Financial Services
Designed for You

From everyday savings to strategic business financing — every service we offer is built around your goals, your timeline, and your terms.

Savings Products

Savings Accounts

Build your financial foundation with accounts designed to grow your money safely, consistently, and accessibly. We offer tiered savings rates that reward commitment.

  • Regular Savings — flexible deposits with competitive interest, no minimum balance penalty
  • Premium Savings — higher interest tiers for balances above set thresholds
  • Youth Savings — accounts for members under 25 with financial literacy support
  • Goal-Based Savings — dedicated accounts for specific objectives (home, education, travel)
  • Joint Accounts — available for couples and business partners
Open a Savings Account Talk to an Advisor
6.75%
Premium Tier — p.a.
4.2%
Regular Savings
$0
Min. Balance Fee
Lending Products

Personal Loans

Life doesn't wait — neither should your financing. Access flexible personal loans with rates typically 1.8% lower than commercial bank averages, and a decision within 48 hours.

  • Emergency Loans — fast-tracked approval within 24 hours for urgent needs
  • Consumer Loans — home appliances, electronics, furniture, and vehicle financing
  • Education Loans — school fees and training programs for members and dependents
  • Home Improvement Loans — renovations, repairs, and property enhancements
  • Repayment terms from 6 months up to 60 months — your choice
  • No early repayment penalty — pay off when you're ready
Apply for a Personal Loan
11.5%
Starting rate p.a.
48h
Approval Time
$50K
Max. Loan Amount
Business Finance

Business Loans

We believe in local enterprise. Our business lending program goes beyond financing — we pair capital with mentorship, business planning support, and ongoing financial advisory.

  • SME Starter Loans — $5,000–$25,000 for new or early-stage businesses
  • Growth Financing — $25,000–$200,000 for established businesses scaling operations
  • Working Capital Lines — revolving credit for inventory, payroll, and operational costs
  • Asset Finance — equipment, machinery, and vehicle financing for businesses
  • Agriculture Loans — specialized financing for farmers and agribusiness operators
  • Dedicated business advisor assigned to every loan above $30,000
Apply for Business Financing
$200K
Maximum Facility
13%
Rate from p.a.
140+
Businesses Funded
Guaranteed Returns

Fixed Deposits

The intelligent choice for risk-averse savers. Lock your funds for a defined period and earn guaranteed, above-market returns with zero investment risk.

  • Terms from 30 days to 36 months — you choose the duration
  • Rates up to 9.5% p.a. for 24-month terms
  • Interest paid monthly, quarterly, or at maturity — your preference
  • Auto-renewal option with current prevailing rate
  • Certificate issued and held securely in your member portal
  • Option to use FD as collateral for a loan up to 90% of face value
Open a Fixed Deposit
Fixed Deposit Rate Schedule
Duration Rate p.a. Min. Deposit
30 Days 6.00% $500
90 Days 6.75% $500
180 Days 7.50% $1,000
12 Months 8.25% $2,000
24 Months 9.50% $5,000
*Rates effective as of June 2026. Subject to periodic review.
Wealth Building

Investment Products

Move beyond saving and start building genuine wealth. Our investment products are designed with member risk profiles in mind — accessible to both first-time investors and the experienced wealth-builder.

  • Treasury Bill investment through Sesdac — competitive yields, government-backed
  • Mutual Fund participation — diversified portfolios managed by certified fund managers
  • Equity Investment Accounts — access to local stock exchange with advisory support
  • Retirement Savings Plans — long-term, tax-advantaged wealth accumulation
  • Dollar-cost averaging — automated monthly investment contributions
  • Quarterly portfolio review with your assigned financial advisor
Start Investing Today
14.3%
Balanced Portfolio — 5yr avg.
Conservative
8–11%
Balanced
12–16%
Growth
18–24%
Financial Education

Financial Advisory & Education

Knowledge is the most powerful financial tool there is. Our advisory services and education programs are available free to all members — because we want you to make informed decisions, always.

  • Personal financial planning sessions — 60-minute one-on-one consultations
  • Debt management coaching — structured plans to become debt-free faster
  • Retirement planning — long-term projections and goal-setting sessions
  • Monthly group workshops — budgeting, investing, taxes, and more
  • Online financial literacy modules — self-paced learning at your convenience
  • Quarterly community seminars — open to all, not just members
Book a Free Session
Free
All advisory sessions for members at no charge
12
Monthly workshops held across 4 locations
2026 Workshop Calendar
Budgeting for FamiliesJune 14
Introduction to InvestingJuly 5
Debt-Free StrategiesJuly 26
Side by Side

Service Comparison

How Sesdac's offerings compare across key member benefits.

Feature Savings Account Personal Loan Business Loan Fixed Deposit
Minimum Amount $50 $500 $5,000 $500
Interest Rate 4.2–6.75% p.a. From 11.5% p.a. From 13% p.a. 6–9.5% p.a.
Term / Duration Open-ended 6–60 months 6–84 months 30 days–36 months
Online Management ✓ ✓ ✓ ✓
Free Advisory Access ✓ ✓ ✓ ✓
Early Exit Penalty ✕ ✕ ✕ Minor break fee
Collateral Required — Member guarantee Asset-dependent —
Approval Timeframe Instant 24–48 hours 3–7 business days Same day
Apply Now

Ready to Move Forward?
Apply for a Loan in Minutes.

Our streamlined application process takes under 10 minutes. A dedicated advisor will review your application within 24 hours and walk you through the next steps.

Apply for a Loan Speak to an Advisor