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As part of TWCU’s milestone 75th Anniversary Celebrations, we are pleased to propose a commemorative loan product – the “75 & Thriving Loan Special”. This unique financial offering honours our longstanding commitment to member empowerment, financial wellness, and community support.
Whether you’re planning home improvements, educational expenses, debt consolidation or a life event, this anniversary loan helps you borrow responsibly while building your financial future with TWCU.
75 & Thriving Loan Special
• Loan Amount: $7,500.00 up to $75,000.00 (in tranches)
• Repayment Period: 18 months up to 75 months
• Eligibility: Open to all qualifying TWCU members in good standing
• Availability: Limited time offer during the 75th Anniversary year
• Two (2) forms of valid government-issued picture I.D.
• Evidence of Income (Payslip- not older than 1 month and Job Letter- not older than 3 months or Bank transaction statement may be required)
• Proof of Address (utility bill or bank statement - not older than 3 months) N.B. If the utility bill is not in the applicant’s name, written consent and valid identification are required from the bill owner to use the bill.
• Proof of loan purpose (based on the purpose of the loan)
$75.00 for a Transunion Report (where applicable)
Yes. The 75 & Thriving Loan Special is available for TWCU members only. If you are
not yet a member you can download a membership form complete and drop off the form
at one of our branches with all the required documents.
Apply To Become A Member
Once your membership is approved you may apply for the 75 & Thriving Loan Special right away. Approval and disbursement will depend on credit assessment, verification process and normal lending criteria.
Yes. The value of collateral to be held will be determined at the time of assessment (average 40%). In cases where our member does not have sufficient shares to satisfy the minimum requirement, funds will be allocated from the loan proceeds.
Yes. The value of collateral to be held will be determined at the time of assessment (average 40%). In cases where our member does not have sufficient shares to satisfy the minimum requirement, funds will be allocated from the loan proceeds.
Yes. All funds deposited to your Shares are eligible to earn dividends once declared and approved at the Annual General Meeting.
You can apply through any the following channels
✓ Online/Downloadable forms – Complete the loan application form and submit
to our nearest branch with all supporting documents as instructed.
https://www.twcu.co.tt/75-thriving-loan.php
✓ Visit our Branches: Speak to one of our knowledgeable staff members,
complete your loan application form and submit all required documents..
As part of TWCU’s memorable milestone 75th Anniversary Celebrations, this loan carries a celebratory interest rate of 0.75% on the reducing balance. This makes your borrowing more affordable over the life of the loan.
Yes. There is a one-time fee calculated at 1.75% of the approved loan amount, deducted from the loan proceeds at disbursement, which can be as low as $131.25.
You can repay your 75 & Thriving Loan Special over a minimum of 18 months and up to a maximum of 75 months, depending on amount applied for.
Repayment is made through the following methods
✓ Salary Deduction
✓ Standing Order
• WHAT CAN THE LOAN PROCEEDS BE USED FOR?
The 75 & Thriving Loan Special is designed to support a wide range of personal, family,
and investment needs, such as:
✓ Home Repairs or Construction
✓ Education and training expenses
✓ Debt Consolidation
✓ Major Life Events (weddings, significant celebrations, etc.)
After you submit all required documents, our team will review and contact you with an update (approval, denial or counteroffer). Processing time depends on application volumes and how complete your documents provided are, but we aim to provide a status within a reasonable timeframe.
All loans are subject to normal lending criteria. Our team will assess your eligibility based on factors such as credit worthiness, income, credit history (internal & external), and ability to repay the loan.