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OUR SERVICES

At Luzviminco, we provide a variety of services tailored to the needs of Overseas Filipino Workers and their families. Our goal is to promote financial literacy, business development, and community support to ensure long-term success.

SAVINGS
TYPE AMOUNT INTEREST / ANNUM
1. Fixed Deposit (Share Capital) Minimum: ₱20,000.00
Associate: ₱12,000.00		 —
2. Regular Savings ₱1,000.00 Maintaining balance 2%
3. Associate Savings ₱1,000.00 Maintaining balance 2%
4. Special Savings ₱1,000.00 Maintaining balance 3%
5. Joint Account ₱2,000.00 Maintaining balance 2%
6. Group Account ₱3,000.00 Maintaining balance 2%
7. Institutional Account ₱5,000.00 Maintaining balance 2%
SHORT TERM DEPOSIT
AMOUNT 6 MONTHS 12 MONTHS
₱10,000 – ₱50,000 1.20% 3.00%
₱50,001 – ₱100,000 1.50% 4.00%
₱100,001 – ₱500,000 2.00% 5.00%
₱500,001 – ₱1 Million N/A 6.00%
₱1 Million and Above N/A 6.50%
LONG TERM DEPOSIT
AMOUNT 2 YEARS 3 YEARS 5 YEARS
₱10,000 – ₱50,000 4.00% 4.50% 5.00%
₱50,001 – ₱100,000 4.50% 5.25% 5.75%
₱100,001 – ₱500,000 5.50% 5.75% 6.25%
₱500,001 – ₱1 Million 6.20% 6.25% 7.00%
₱1 Million and Above 7.00% 7.25% 8.00%
ONE TIME HOSPITALIZATION BENEFIT PER YEAR
SHARE CAPITAL AMOUNT OF BENEFIT
₱20,000.00 – ₱30,000.00 ₱350.00/Day
₱30,001.00 – Above ₱500.00/Day
Maximum of 3;days in hospitalization.
ACCIDENT DEATH BENEFIT (ADB)
SHARE CAPITAL AMOUNT OF BENEFIT
₱20,000.00 – ₱40,000.00 ₱10,000.00
₱40,001.00 – ₱60,000.00 ₱12,000.00
₱60,001.00 – ₱80,000.00 ₱15,000.00
₱80,001.00 – ₱100,000.00 ₱20,000.00
₱100,001.00 AND ABOVE ₱22,000.00
LOAN PROGRAM
TYPE OF LOAN DESCRIPTION
1. Emergency Loan Quick financial assistance for urgent and unforeseen needs.
2. Educational Loan Supports tuition fees and other school-related expenses.
3. Salary Loan Short-term loan based on borrower’s salary capacity.
3.1 Honorarium Loan For individuals receiving honorariums or allowances.
4. Business Loan Capital funding for starting, expanding, or sustaining a business.
4.1 Project Finance Loan Funds for specific projects or large-scale undertakings.
4.2 Housing Loan Financing for home purchase, construction, or renovation.

Frequently asked questions

Here are some common questions about our company.

LuzviminCo offers savings programs, loan services, and investment opportunities designed for OFWs and their families.

You can reach us through phone, Viber, WhatsApp, Facebook, or by visiting our office during business hours. (See Contact Page)

Since LuzviminCo is a cooperative, contributions are capitalized and follow cooperative bylaws. No "returns" like a store — funds follow savings, investment, and membership rules.

Join the movement. Invest in your future. Empower your family.

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