SECURE YOUR FUTURE
Savings & Insurance
Save with purpose and protect the people who matter. From your first share account to family cover, Savings & Insurance brings your money and your peace of mind together in one place.
FOUNDATION OF MEMBERSHIP
Share Account
Your first step to membership
A Share Account establishes your membership. As a member you become a shareholder and part-owner, with access to our full range of products. Shares are valued at $5.00 and can be purchased at any time to build your ownership block.
Become a member and part-owner of Whim Credit Union
Build savings toward your future financial goals
Use your shares as security/collateral for low-interest loans
Share in the overall growth and success of your co-operative
Receive competitive annual dividends declared at our AGM
FLEXIBLE & CONVENIENT
Deposit Account
Simple Saving, More Value
A safe, convenient way to save with no service charges. Your savings earn interest annually while you work toward your short-term and mid-term personal targets.
No hidden monthly fees or service charges
Earn competitive interest paid directly to your balance
Access your funds quickly via ACH or secure in-branch withdrawal
Peace of Mind for your loved Ones.
Family Indemnity Plan (FIP)
The FIP helps protect you and your loved ones from the financial burden of funeral costs and other final expenses. Coverage is available for individuals and families, with an optional Critical Illness Rider for eligible primary plan holders.
| Plan Type | Monthly Premium | Individual Benefit |
|---|---|---|
| Plan A | $63.40 | $10,000 |
| Plan B | $95.10 | $15,000 |
| Plan C | $126.80 | $20,000 |
| Plan D | $190.20 | $30,000 |
| Plan E | $253.60 | $40,000 |
| Plan F | $412.10 | $65,000 |
| Plan G | $634.00 | $100,000 |
Enrollment Checklist
Complete the official FIP Enrollment Form
Provide valid national identification for applicants
Pay the first month's premium matching your plan choice
Submit ID or birth certificates for covered family members
To apply: as the primary applicant, complete the Enrollment Form, provide identification, pay the first month’s premium, and provide details for each family member to be covered (ID or birth certificate). Insurance products are provided through our approved insurer and are subject to eligibility and plan terms. Terms and Conditions apply. CUNA Caribbean Insurance reserves the right to request additional information to verify the age and/or relationship of all covered family members. Failure to submit any information may result in an application not being approved.
CHOOSE YOUR GOAL
Golden Harvest Plan
Golden Harvest helps you save toward a concrete milestone. If you pass away or become permanently disabled, the plan pays an insurance benefit to help complete your approved goal.
Built-in insurance protection at no direct cost to you
Regular, goal-based savings customized entirely to your budget
An attractive, prioritized interest rate to accelerate your balance
Flexible goals (education, travel, wedding, retirement)
Adjustable savings period ranging anywhere from 1 to 10 years
INTERACTIVE GROWTH FORECAST
Golden Harvest Investment Calculator
Members enter a contribution amount, frequency, and term to see both simple and compounded growth. For illustration only: annual rate 4% compounded monthly, from a 1-year to a 10-year term.
Deposit Frequency
Estimated Growth Outlook
Based on 4% interest rate
Simple Deposits
$30,000
Compounded Value
$33,150
For illustration purposes only. Actual returns may vary based on exact declared interest rates and calculation variables.
