Member statementMario A. ReyesSite Foreman · Cebu · Member since 2023
ActiveShare capital
₱36,420.00
+18.6% YoY· ₱5,720 in dividends2023202420252026
- This month2 payday cuts₱1,500
- This year12 payday cuts posted₱18,000
- Dividend rate · FY 20254.1%
00The Cooperative
Open to all Comfac employees·Now enrollingBuild your future,
one payday at a time.
Join the Comfac Multi-Purpose Cooperative and turn small, automatic salary contributions into real savings, dividends, and access to affordable loans — together with your colleagues.
- 248+
- Members and growing
- ₱4.2M
- In member share capital
- 2×/mo
- Automatic payday saving
Owned by its members
Governed by an elected board
Regulated under the Philippine Cooperative Code
Benefits
A cooperative that works for you, not against you.
No hidden fees. No predatory interest. Just a member-owned engine quietly compounding in the background of your career.
Six benefits· 06
01 Automatic payroll savings
Contributions deducted on both paydays — you build a habit without lifting a finger.
02 Yearly dividends
Net surplus is distributed to members. Share capital quietly compounds.
03 Emergency assistance
Quick, low-friction help when medical or family emergencies hit.
04 Low-interest loans
Borrow against your savings at rates a commercial bank can't match.
05 Member-owned governance
One member, one vote — policies are ratified at the annual general assembly.
06 Transparent statements
Every peso saved, every dividend earned, every payment made.
02The journey
How it works
Three steps. No paper. No queues.
The whole process is built around busy people. You can apply on a coffee break and start saving on your next payday.
Three steps· 03
Step 01 Apply in minutes
Fill out the membership form on your phone. Upload your Comfac ID, sign on screen, and submit.
Application draft↳ preview- Form sections5 of 5
- DocumentsComfac ID
- SignatureOn-screen
Step 02 Reviewed within days
A member officer reviews your application within two working days. You'll get an SMS and email when you're in.
Approval notice↳ preview- StatusApproved
- Reviewed byJ. Aquino
- DateSep 02, 2026
Step 03 Save automatically
Your chosen amount is deducted every payday and posted to your share capital. Track it anytime from your dashboard.
Recent activity↳ preview- Sep 15 · 1st cut+ ₱750
- Sep 30 · 2nd cut+ ₱750
- Running balance₱36,420
03The math, made personal
Calculator
See your money, two decades from now.
Type any number. The projection updates live.
Type any number↳ live
Live
Your inputs
₱100,800
5-year projection· assumes 4% / yr- Per payday₱750
- Every month₱1,500
- Paydays over 5y120
- You contribute₱90,000
- Dividends earned₱10,800
Loan ceilingUp to 3× capital
₱302,400What this unlocks
Start saving this muchA motorcycle or major appliance
04In their own words
Members
Why members stay. Three voices, three branches, one cooperative.
Three voices· 03
01 “I started with ₱800 a payday. After three years I borrowed against my share capital for my daughter's tuition — same week, no drama.”
02 “The first dividend cheque was the moment it clicked. The savings were already mine, and then they paid me on top.”
03 “It's a co-op, so the rates aren't a surprise and the board is people I see in the canteen. That's a different kind of trust.”
05Before you sign anything
Questions
Answers, before you ask.
Common questions about eligibility, contributions, loans, and governance — answered without the fine print.
Seven answers· 07
Member care
Still have questions?
Every Comfac branch has a dedicated member officer. We’ll walk you through eligibility, contributions, loans — anything.
Member officers respond within one working day.
Any regular or probationary employee within the Comfac Group of Companies, regardless of position or tenure. Contractors who have been with the group for at least six months may also apply.
Membership is open
Your next payday is a chance to start building something.
It takes seven minutes to apply. Two days to be approved. And one payday to feel like a part-owner.