Shares Accounts
Become an Owner While You Save
At WDPCCU, our Shares Account is more than just a savings product—it’s your ownership stake in the credit union. When you open a Shares Account, you become a member-owner with voting rights, dividend earnings, and exclusive benefits.
Why Choose a Shares Account?
1. Ownership Benefits
✔ One Share = One Vote – Have a say in credit union decisions
✔ Democratic Control – Vote in board elections and policy changes
✔ Member Profit Sharing – Earn dividends when WDPCU prospers
2. Financial Advantages
💰 Higher Dividends – Earn better returns than regular savings
📈 Loan Priority – Strengthens your loan eligibility and terms
🛡️ Safe & Secure – Deposits insured up to ¢10,00
3. Community Impact
🌱 Your shares help fund loans for other members
🏡 Supports local economic growth in your community
Who Should Open a Shares Account?
✅ Long-term savers wanting better growth
✅ Future borrowers needing stronger loan eligibility
✅ Community-minded individuals who believe in cooperative finance
✅ Those wanting ownership in their financial institution
How Shares Accounts Work
Key Features
🔹 Minimum Opening Deposit: ¢100
🔹 Dividend Payments: Quarterly (based on profits)
🔹 Withdrawals: Allowed with 30-day notice (subject to balance requirements)
🔹 Loan Collateral: Can secure lower-interest loans
Dividend Example
If you maintain a ¢1,000 share balance and WDPCU declares a 5% dividend:
You earn ¢50 annually (paid quarterly)
How to Get Started
1️⃣ Visit any branch with:
- Valid ID (Ghana Card/Passport)
- Proof of address
- Minimum ¢100 deposit
2️⃣ Complete simple membership forms
3️⃣ Start enjoying ownership benefits immediately!
📅 Next Dividend Payment