Credit
Access fair, member-rate loans to fund your education, livelihood, emergencies, or family needs. Patronage refunds give back a share of net surplus at year-end.
Who can use this
Regular and associate members in good standing, after the minimum patronage period.
How to access
- Be a member in good standing (paid-up minimum share capital, no delinquent accounts).
- Apply at the cooperative office or via the MemberFolio portal.
- Submit required documents; BOD/Credit Committee reviews.
- Loan released according to approved terms.
SM Credit
A member purchase-credit facility for buying goods, appliances, and other big-ticket needs — payable in convenient installments at member-friendly terms.
Who can use this
Members in good standing.
How to access
- Be a member in good standing.
- Apply at the cooperative office.
- Purchase approved on credit and settled per agreed installment terms.
In-store Credit
Buy now, pay later at the cooperative store — members in good standing can charge everyday essentials to their account, conveniently settled through payroll or over-the-counter payment.
Who can use this
Members in good standing.
How to access
- Be a member in good standing.
- Present membership at the cooperative store.
- Charge eligible purchases to your account, settled per agreed terms.
Savings & Time Deposits
Save with confidence. Regular savings earn interest; time deposits offer higher rates with locked terms. Capital build-up of at least 0.5% of monthly income is part of every member's commitment.
Who can use this
All members.
How to access
- Open a savings account at the office or through the MemberFolio portal.
- Choose between regular savings and time deposit options.
- Deposit on-site or via authorized channels.
Convenience Store
Member-priced essentials at the cooperative store — household goods, school supplies, and daily needs. Patronage at the store contributes to the net surplus members share in annually.
Who can use this
Open to members; non-members may purchase at standard rates.
How to access
- Visit the cooperative store at the Burgos St. office.
Laundry
A cooperative-run laundromat offering members and the community affordable, reliable laundry care.
Who can use this
Members and walk-in customers.
How to access
- Visit the laundromat during office hours.
Boarding House
Cooperative-managed boarding accommodations near ISAT U, with on-site dorm matrons.
Who can use this
Students, workers, and members seeking affordable accommodation.
How to access
- Inquire at the office for availability and rates.
Copy Center / Prints & Ads
Photocopying, printing, and document services for members, students, and the campus community at fair rates.
Who can use this
Members, students, and the public.
How to access
- Walk in during office hours.
Food Park
A cooperative-operated food park serving members, students, and the campus community with affordable meals.
Who can use this
Members, students, and the public.
How to access
- Visit on campus during operating hours.
UCafe
The cooperative campus cafe — coffee, snacks, and a study-friendly space for the ISAT U community.
Who can use this
Members, students, and the public.
How to access
- Visit on campus during operating hours.
