Small but Mighty
Become a member of Whim
At a bank you are a customer. At Whim you are an owner. Join a credit union that has served Tobago for over 75 years, and share in the surplus you help create.
MEMBERSHIP BENEFITS
Why Join Whim
We are built on the simple philosophy of people helping people. Here is how you benefit from our member-owned financial co-operative.
Member ownership
You are more than a customer. As a member you are a part-owner with a real voice in how the credit union is run.
Share in the surplus
Earn annual dividends on your shares when declared at the AGM. Over the past five years that has averaged 5%.
Affordable loan solutions
Access competitive loans for education, vehicles, home improvement, vacations, and other personal needs.
Grow your savings
Build your future with secure savings and share accounts.
Friendly, personal service
One-on-one support from a team that knows your name and your goals.
Invest in your community
Your savings help fellow members and support the growth of the local community.
ONBOARDING JOURNEY
Become a member in 4 easy steps
1
Step One
Complete the online membership form
Fill out and submit the online membership application with your personal details.
2
Step Two
Submit your supporting documents
Provide your valid ID, proof of address, and proof of income.
3
Step Three
Make your initial deposit
Once your documents are received, make the initial deposit by online bank transfer or visit the branch to activate your application.
4
Step Four
Receive membership approval
After review and approval, you will receive confirmation and can begin enjoying all member benefits and services.
APPLICATION
Start your membership online
This begins your application, and our team follows up to complete it.
REQUIREMENTS
What You'll Need To Join
Please prepare the following documentation to facilitate a smooth approval process.
Identification
Identification Provide any two (2) valid government-issued photo IDs: National Identification Card, Driver’s Permit, or Passport. If you have only one photo ID, also submit a copy of your Birth Certificate.
Proof of income
Proof of income Show how you earn your income:
- Employed applicants: job letter and a recent payslip (within the last 3 months).
- Self-employed applicants: business registration certificate, three months of business bank statements, and an affidavit confirming monthly income.
Proof of address
Proof of address One document from within the last 3 months: a utility bill or a bank statement. If it is not in your name, add written authorization from the named person and a copy of their valid ID, using the authorization form below.
Authorization to use a proof of address in another name
Authorization to use a proof of address in another name If your proof of address is not in your own name, the account holder completes this short form and uploads it with your application.
I, [Name of utility bill holder], confirm that [Name of applicant] resides at [Full residential address].
I authorize the use of the attached utility bill or other proof of address in my name to support their application with Whim Credit Union. I confirm that the information provided is true and correct.
Utility bill holder’s details: Full name. Identification number. Contact number. Relationship to applicant.
Upload: a copy of the account holder’s ID, and the proof of address.
Fees and minimum deposit
- Registration fee: TT$20.00 (non-refundable)
- Minimum opening deposit: TT$50.00
