Our savings account is a good option for you if you can only afford to put a small amount of money away each week or you can only save now and then. Unlike some bank and other financial institution savings accounts, you can put as little money as you like into your savings account and you don’t have to save regularly. You just need GH¢ 5 to open an account with us.

Family members are eligible to join ARCCU Credit Union too! Saving is important for the whole family so we encourage you to invite your family members to join the credit union once you have joined. This includes your spouse, parents, siblings and children. They may open their own account, completely separate from your account.

• Competitive return(interest) on your savings
• Easy access to your money once it is not used as security against a loan.
• No hidden charges or fees on any transactions
• Life savings insurance for eligible members
• When you save with ARCCU Credit Union you are also building a history with ARCCU Credit Union which will be taken into account in the future should you wish to apply for a loan.

Mobile Banking is a daily savings (Susu) account that allows the member to deposit any little amount on a daily basics. All you need to do is contact either our Mobile Bankers or call our office if you can not come to our office.

Don't stand in line at the branch to deposit your next payment, Sign up for DAILY Savings also known as Mobile Banking, ARCCU Daily Savings service allows you to directly deposite into your fixed deposite, Savings, FOSA (Front Office Savings Account), or Shares account. It even allows you to pay your loans with ease.

• No more visiting an ARCCU Credit Union branch to deposite money.
• Funds go directly to your pre-designated ARCCU account; payment issuer / Mobilizer provides you with an itemized booklet for your records.
• Your money is electronically transferred to your ARCCU account by the end of that banking month, thus helping you to save the little money that otherwise would have gone waste.
• You can use the money to pay your loan; thus saving you the time to walk to our office to pay your loan.

As a means to encourage individuals where ever they are to cultivate the habit of savings, Savings boxes have been introduced to facilitate savings mobilization. By this ARCCU has about two hundred and fifty members using the boxes in their homes.

This is how the box works, you will be given a duplicate key and the master key will be kept by the office. Anytime you have money you wish to save, you just drop it in the box. Every month our officers come around with the master key for opening and receipt issued to that for onward transfer to your account.

Under fixed deposit account, money is deposited for a fixed period say six months, one year, five years or even ten years. The money deposited in this account can not be withdrawn before the expiry of period.

The rate of interest paid for fixed deposit vary (changes) according to amount, period and from bank to bank, we at ARCC give you a very competitive interest rate.

• Fixed deposit encourages savings habit for a longer period of time.
• Earn interest on money you do not have immediate plan to use.
• Fixed deposit account enables the depositor to earn a high interest rate.
• The depositor can get loan facility from us.
• On maturity the amount can be used to make purchases of assets.
• Fixed deposits indirectly boost economic development of our community.

Front Office Savings Account(FOSA) is a kind of Current account. In FOSA account, any amount can be deposited and withdrawn at any time without giving any notice. It is also suitable for Members who want to operate different accounts for savings and loans, and day to day marketing activities.

Cheques received from customers can be deposited in this account for collection. The Members are allowed to withdraw the amount with cheques.

The main benefits of FOSA account are as follows:
• The main objective of FOSA account is to enable the businessmen to conduct their business transactions smoothly.
• There is no restriction on the deposits andwithdrawals. And also no restriction on the number of deposits and withdrawals.
• This account is of continuing nature and as such there is no fixed period.
• With FOSA account, ARCCU collects money on behalf of its customers and credits the same to their accounts.