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
AI
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

1,280+ Active Members
₱12.4M Total Assets
98.2% Loan Repayment Rate
2023 Year Established
REB Credit Cooperative Headquarters

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.

1

Submit e-KYC Verification

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

2

Attend the Pre-Membership Seminar (PMES)

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

3

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 ₱1,200
Estimated Annual Yield
₱2,700.00

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

Governance & Leadership

Board of Directors & Management

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

Executive Officers & Management Team

Erwin J. Francisco
EF

Erwin J. Francisco

Board Chairman
Jonathan D. Maluya
JM

Jonathan D. Maluya

Vice Chairman
Robie Beatriz I. Suyam
RS

Robie Beatriz I. Suyam

Treasurer
Evangeline V. Martinez
EM

Evangeline V. Martinez

Secretary
Ellaine Mae M. Hingking
EH

Ellaine Mae M. Hingking

Manager / Compliance
Lovelle Z. Vistro
LV

Lovelle Z. Vistro

Bookkeeper

Board of Directors

Erwin J. Francisco
EF

Erwin J. Francisco

Board Member

Jonathan D. Maluya
JM

Jonathan D. Maluya

Board Member

Flora May D. Dioso
FD

Flora May D. Dioso

Board Member

Walfredo L. Alcantara
WA

Walfredo L. Alcantara

Board Member

Josephine B. Solijon
JS

Josephine B. Solijon

Board Member

Margarita R. Esguerra
ME

Margarita R. Esguerra

Board Member

Maricris C. Adlaon
MA

Maricris C. Adlaon

Board Member

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.

Get in Touch

We're Here to Help

Have questions about membership, loan eligibility, or portal access? Reach out directly via phone, email, or our main branch location.

Physical Office

Rm 205 Flr. De Leon Bldg., Yacapin-Velez Sts., Cagayan de Oro City, 9000 Philippines

Email Communications

rebccoop2023@gmail.com

Facebook Portal

facebook.com/REBCreditCoop