Oro Integrated Cooperative (OIC) is a member-owned, open-type primary cooperative in the Philippines. Founded in 1966 in Cagayan de Oro City, it started as Oro Credit Union through the leadership of Atty. Mordino “Mordz” Cua and 27 like-minded individuals. From a modest capital of ₱88, OIC has grown to serve over 220,000 members with 22 branches across Mindanao and Visayas. Guided by its mission to improve the socio-economic well-being of its members, OIC has received multiple national awards and recognitions, including the Gawad Parangal and Villar SIPAG Awards.
To date, OIC continues to grow and evolve, offering its members competitive financial services, social benefits, and a sense of community across the Philippines. Whether you’re an entrepreneur, student, worker, or OFW, joining OIC means gaining access to reliable, member-focused support built on decades of experience.
OIC Products and Services
Oro Integrated Cooperative offers numerous products and services, all geared towards achieving its vision of becoming a leading cooperative that supports its members’ needs.
Some of its offerings include:
Loan Products
OIC offers a variety of loan services to suit both personal and business needs:
- ProPER
- Productive Loans
- Motorcycle Loan – Business Use
- Vehicle Loan – Business Use
- Check Rediscounting Loan
- Micro Enterprise Loan
- Additional Loan
- Business Loan
- Business Loan Plus
- Outside Territory Loan
- Floor Stock Financing Loan
- Agricultural Loan
- Providential Loans
- Allotment Loan
- Motorcycle Loan – Personal use
- Pension Loan
- Salary Loan Regular
- Vehicle Loan – Personal Use
- Providential Loan
- Express Loans
- Instant Loan
- Loan against Preferred Deposit
- Loan against Time Deposit
- Rice Loan
- FASS Loan
- Petty Cash Loan
- Show Money Loan
- Real Estate Loans: For members who want to acquire or develop real property.
Savings and Deposit Products
Whether you’re saving for emergencies, retirement, or your child’s education, OIC provides deposit options with competitive interest rates:
- Youth and Aflatoun Savings: For children aged 7–17 with interest-earning accounts.
- Compulsory and Dream Savings: Ideal for building up loan deposit requirements or achieving personal goals.
- Pearls, Pocket, and Health & Disaster Savings: Tailored for long-term goals, emergency savings, and special events.
- Member Contingency and Build Savings: Designed for farmers or those looking to support cooperative development while earning interest.
- Preferred Deposit and Time Deposit: High-yield savings with fixed contract terms.
- SAFE Plus (Savings Annuity for Future Education): Includes life insurance and education savings for a nominee.
- ATM Savings: Offers ATM access with a 1.5% annual interest.
Insurance Plans
OIC offers:
- Life Plans
- CLPP & MRI: Protects loan repayments if the borrower dies (natural or accidental death).
- Family Mortuary Program (FMP)
- MYRACL: Member Yearly Renewable Accident and Life Insurance
- GLAFI: Group Life, Accident & Fire Insurance
- Group Accident Death, Disablement & Dismemberment
- Youth Savers Club (YSC) Insurance
- Safe Plus Educational Protection Plan: Insurance benefit for child’s education upon member’s death
- Non-Life Plans
- Standard Fire & Allied Perils Insurance: Financial protection for members against property loss/damage due to fire and/or lightning.
- Health Care Assistance Program (HCAP)
- Health And Wellness Plan: Assists with hospitalization expenses (room, board, surgery, labs, etc.).
- Motor Car Insurance: Financial protection in case of loss/damage to a member’s motor vehicle.
- Health & Disaster Savings Plan: Covers Earthquake, Typhoon, Flood, and Volcanic Eruption-related property damage.
- Angelica Life Plan: Life plan with fixed value and increasing memorial benefits.
- Pre-Need Life Plan
- 1COOP Health
Member Benefits
OIC provides more than just financial services. Here are some of the added benefits members enjoy:
- GAD Health Screening for Women: In partnership with JR Borja General Hospital and the Physicians-Nurses Foundation, OIC offers free breast and cervical cancer screenings to its women members. This service is part of OIC’s Gender and Development Program to promote preventive care and health education.
- Calamity Assistance Benefit: Members affected by calamities such as floods, earthquakes, and fires may receive financial aid depending on the extent of property damage.
- Cancer Patient Assistance: Members or their immediate family diagnosed with cancer are eligible for a one-time cash assistance. Immediate family includes spouse, children, and parents.
Special Programs – Online Services
In response to the pandemic, OIC launched its Online Services in July 2020, allowing members to:
- Apply for membership
- Apply for express loans
- Transfer funds
- Shop and pay for savings, investments, and insurance online at https://orointegrated.coop/shop/.
Financial Literacy Programs
- Integrated Wealth Building Program (IWBP): Financial education and guidance for members and employees
- Kabayani Wealth Building Program (KWBP): A long-term savings plan for Overseas Filipinos (OFs), in partnership with Sta. Catalina Credit Cooperative
How to Become a Member (Online Application)
You can join the Oro Integrated Cooperative from anywhere in the Philippines or abroad. Here’s how:
Step 1: Fill out the Online Membership Application Form.
Step 2: Watch the Pre-Membership Education Seminar (PMES) videos and complete all modules.
Step 3: Check your email for payment instructions. Deposit the following to OIC’s bank account:
- Minimum Share Capital
- Regular Savings
- Fixed Miscellaneous
- Membership Fee
- Notarial Fee for Oath of Membership
- Data Agreement Consent (OMDAC)
- Family Mortuary Program (FMP)
Step 4: Send your validated deposit slip and completed Oath of Membership and Data Agreement Consent to: onlineservices@orointegrated.coop with the Subject: [Your Complete Name]
Step 5: Wait for confirmation via email.
Membership Through Common Share
To become a full-fledged OIC member-owner, you simply need to invest ₱3,000 in Common Share Capital. This gives you full membership benefits, including a voice in the cooperative, a share in profits, and access to all member privileges.
- Minimum Opening Amount: ₱200 or at least ₱3,000 in subscribed shares
- Ownership Cap: No member may own more than 10% of the total subscribed Share Capital
- Interest Earnings: Interest on shares is tax-free, based on the co-op’s audited net surplus, and approved annually by the Board of Directors
- Redemption: Share Capital is considered equity and can only be withdrawn if you resign from the cooperative
Video: Pre-Membership Educational Seminar 2021
Joining OIC as a member certainly offers a lot of perks. They certainly did not grow and earn their reputation as one of the largest, most established cooperatives in the country with nothing to show for it. So, if you feel that joining this cooperative is a step towards your own journey to financial freedom, then feel free to check out this video of their pre-membership education seminar from 2021 to learn more.
Contact Information
For inquiries and other concerns, feel free to reach out to OIC via the following:
- Tel. No.: (088) 856 2371
- Email: oic_customerservice@orointegrated.coop
- Website: https://orointegrated.coop/
- Facebook: https://www.facebook.com/taranasaOIC