Now Affiliated with MASS-SPECC & Mindanao Coop Bank

Empowering Professionals and Communities Through Cooperative Wealth

Grow your share capital, access low-interest credit products, and enjoy patronage refunds backed by state-of-the-art AI accounting and management systems.

Apply for Membership Apply for Loan Access Portal

KYC

SEC

Trusted by over 1,200+ members across Cagayan de Oro City.

Smart Coop ERP Management System

System Active

Reserve Fund Pool ₱2.3M

Dividend Yield 5.0% - 8.0%

Automated Dividend Engine Interest and Patronage payouts processed instantly.

₱12.4M+

Total Managed Assets

Regulatory Compliance

Registered with the Cooperative Development Authority (CDA) & fully compliant with public standards.

Who We Are

Empowering Financial Resilience for Real Estate Professionals and Local Communities

Founded in 2023 by a group of passionate Real Estate Brokers, REB Credit Cooperative has expanded its reach to serve the wider community. We provide transparent, democratic, and tech-driven financial tools designed to build wealth, security, and enterprise.

Through our integration with premier open-finance solutions and automated dividend allocation platforms, we make membership simple, transparent, and highly rewarding.

Democratic Ownership

Every member has a voice and equal voting rights in guiding the cooperative's growth.

Community Driven

Your capital remains local, funding personal development and local businesses.

Coop Services

Designed for Capital Growth and Access

We offer products tailored to the needs of modern real estate brokers, self-employed professionals, and community entrepreneurs.

Savings & Share Capital

Become a shareholder. Contribute regularly to build share capital that earns high-yield annual dividends and powers the cooperative credit lines.

5% - 8% Historical Yield

Direct ownership points

Tax-free dividend payouts

Competitive Loan Products

Access fast, low-interest funding options with transparent payment terms. Perfect for emergency reserves, business expansions, or personal needs.

Emergency & Salary Loans

Broker Commission Advances

Real estate development lines

Smart Digital Portal

Manage contributions, simulate loan limits with AI-assisted scoring, and access tax and dividend ledgers securely online.

Real-time ledger records

Senior-friendly UI options

Mobile payment integrations

Start Today

Joining the Cooperative is Simple

Follow our standardized, digital-first onboarding flow to register your profile and activate your membership.

Submit e-KYC Verification

Register online, upload a government-issued ID (e.g., PRC Broker License, Passport, UMID) and verify your contact details.

Attend the Pre-Membership Seminar (PMES)

Participate in our quick digital briefing to understand your rights, responsibilities, and the principles of the cooperative.

Deposit Share Capital

Make your initial share contribution of at least ₱2,000 to activate your shareholder profile and start earning dividends.

Cooperative Dividend Estimator

Estimate your annual earnings based on share capital contributions.

Share Capital Deposit ₱25,000

Annual Dividend Rate 6.0%

Patronage Refund Option (Optional) ₱1,200

Estimated Annual Yield

₱2,700.00

Includes ₱1,500.00 dividends + ₱1,200.00 patronage refund.

Governance & Leadership

Board of Directors & Officers

Guided by dedicated cooperative leaders committed to transparency, financial stability, and member welfare.

Erwin J. Francisco

Board Chairman & Accountant

Jonathan D. Maluya

Vice Chairman

Robie Beatriz Suyam

Cooperative Treasurer

Broker Ellaine Hingking

Credit & Compliance Officer

Coop News

Latest Updates & Governance

Stay informed about cooperative operations, general assembly schedules, and partnership initiatives.

March 2026

Cooperative Strategic Meeting with MASS-SPECC

REB Cooperative officers held a strategic alignment session with MASS-SPECC federation to integrate digital transaction routing and compliance systems.

July 2025

Mindanao Consolidated Cooperative Bank Meeting

Officers met with Mindanao Consolidated Cooperative Bank delegates to optimize savings deposit yields and establish secure credit-line APIs for our portals.

August 2025

First Dividend Release & Fellowship Ceremony

Successfully processed and distributed the cooperative's first official dividend batch to active members, celebrating a highly profitable fiscal year.

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