Established in 1958 by 15 visionary employees of the Philippine Long Distance Telephone Company (PLDT), PECCI Multipurpose Cooperative—originally known as the PLDT Employees Credit Cooperative Association (PECCA)—was born out of the need to support employees’ growing financial responsibilities. What began with just 30 members and modest capital eventually evolved into one of the most recognized cooperatives in the Philippines.
Today, PECCI (short for PLDT Employees Credit and Consumers Cooperative, Inc.) is known not only for its stability and sound management but also for its diverse services that continue to benefit its growing membership base. With over six decades of service, PECCI is guided by a mission to improve the quality of life of its members and contribute to community development through responsive programs and reliable financial services.
Why Join PECCI?
Becoming a member of PECCI comes with access to a wide variety of financial services that promote savings, responsible borrowing, and financial security. Over the years, the cooperative has also received multiple awards for its service to members and contribution to communities nationwide.
Recognitions include:
- Best Performing Cooperative with Nationwide Concern for the Community
- Awards for asset and membership growth
- Hall of Fame status in KoopBida Awards
- “Asia’s Most Innovative and Outstanding Cooperative of the Year” (2022, Asia’s Pinnacle Awards)
Other benefits include:
- Access to a wide variety of affordable short-term, long-term, and special loan products
- Consumer product offers including gadgets, appliances, motor vehicles, and household items through installment or loan options
- Dividend and patronage refunds from your share capital based on your transactions with PECCI
- Savings and deposit facilities for payroll and non-payroll members (up to ₱2 million starting June 2025)
- Emergency and calamity loans available during natural disasters or urgent personal needs
- Exclusive member promotions and raffle programs
- Free or discounted Life Insurance Coverage funded by the cooperative for eligible members
- Birthday bonuses and other performance-based rewards
- Participation in cooperative governance
- Financial education and training
- Participation in community and CSR programs that support the environment, education, and social development
- Strong and personalized member support system through PECCI’s customer care and branch services
Products and Services Offered by PECCI
PECCI offers a wide range of loan products tailored to various member needs—whether short-term assistance, long-term planning, or special circumstances.
Short-Term Loans
Ideal for immediate financial needs such as emergencies, education, or small purchases.
- Calamity Loan 2 (CL2): Up to ₱200,000, payable in 36 months
- Credit Card Balance Transfer 2 (CCBT2): Up to ₱250,000, payable in 36 months
- Educational Loan 2 (EDL2): Up to ₱250,000, payable in 36 months
- Emergency Loan 2 (EML2): Up to ₱150,000, payable in 36 months
- Modified Advance Longevity Bonus Loan (MALBL): Up to ₱1,000,000, payable in 12 months
- Modified Bonus Advance Loan (MBAL, MBAL2, MBLMY): Up to ₱250,000, payable in 12 months
- Modified Sick Leave Premium Loan (MSLPL): Up to ₱250,000, payable in 12 months
- Inflationary Loan 2 (INFL2): Up to ₱100,000, payable in 36 months
- Maternity and Paternity Loan (MAPA): Up to ₱100,000, payable in 36 months
- Mini Loan 2 (MNL2): Up to ₱90,000, payable in 36 months
- Newbie Loan: Up to ₱60,000, payable in 24 months
- Regular Loan 2 (RL2): Up to ₱290,000, payable in 36 months
- Special Assistance Loan (SALN): Up to ₱210,000, payable in 36 months
- Variable Loan 2 (VL2): Up to ₱120,000, payable in 36 months
Long-Term Loans
They also offer long-term loans designed for major life milestones such as retirement, buying property, or starting a business.
- Advance Retirement Loan (ARL): Up to ₱6,000,000, payable in 120 months
- Buy Out Loan (BOL): Up to ₱6,000,000, payable in 180 months
- Car Loan 2 (CARL2): Up to ₱1,500,000, payable in 120 months
- Enhance PLAR (EPLAR): Up to ₱6,000,000, payable in 180 months
- Express Loan (EXPL): Up to ₱3,000,000, payable in 60 months
- Loyal Member Loan (LML): Up to ₱5,000,000, payable in 180 months
- Pangkabuhayan Loan 1A (PL1A): Up to ₱750,000, payable in 60 months
- Pinag-isang Loan Balance (PLB): Up to ₱5,000,000, payable in 180 months
- Provident Loans (PRL01, RPL1–RPL4): Up to ₱3,000,000 each, payable in 120 months
Special Loans
Special loans are also available in response to specific or seasonal situations.
- MRP Loan (MRPL): Up to ₱250,000, payable in 12 months
- One Time Big Time 2 (OTBT2): Up to ₱290,000, payable in 36 months
- Special Calamity Loan 2 (SCL2): Up to ₱60,000, payable in 36 months
- Special Calamity Loan (SCLEF) – Typhoon Egay & Falcon: Up to ₱80,000, payable in 36 months
New & Special Loan Programs
Recently, PECCI also started offering new time-bound programs such as:
- Gender Sensitivity Loan (GST Loan): A gender-inclusive loan developed with the GAD Committee.
- Available starting May 1, 2025
- Loan Term: Up to 24 months
- Amount: Up to ₱100,000
- Interest: 9% per annum (diminishing)
- No service fee or share capital required
- Open to members who completed Gender Sensitivity Training
- No co-makers required unless with deferment
- Back-to-School (BTS) Loan: Support for school-related expenses.
- Available June 1 – August 31, 2025
- Loan Term: Up to 36 months
- Amount: Up to ₱150,000
- No co-maker needed unless with deferment
- Not available for members with zero collection in the past 6 months
- CARE-T3 Calamity Recovery Loan: For members affected by Typhoons Crising, Dante, and Emong.
- Available July 28 – August 15, 2025
- Loan Term: Up to 2 years
- Amount: Up to ₱100,000
- No payslip required
- No service fee or share capital requirement
- 1-month payment moratorium
- Must have a registered address in affected areas
- New Savings Deposit Limit for Non-Payroll Members: Starting June 1, 2025, the savings deposit cap for Non-payroll members will increase to ₱2 million. If you or someone you know qualifies, spread the word and support PECCI’s mission to grow responsibly and inclusively.
- Join PECCI and Win a Free Trip to Vietnam!: In line with the Climate Change Global Summit 2025, PECCI will send 10 members to Vietnam with:
- All-expenses-paid trip
- Travel and accident insurance
- To join, just make sure to observe the following guidelines:
- New Members: Sign up anytime from January to October 2025
- Recruiters: Refer at least 5 new members between February and October 2025
Who Can Join
While PECCI welcomes all interested applicants, membership is limited to only a specific group including those who are:
- Active or retired employees of PLDT, its subsidiaries, and affiliates
- Dependents of members
- Former members of PECCI
- Employees of accredited institutional partners
Membership Requirements
If you are qualified for membership, you will also need to provide the following documents to prove your identity:
- Filled out Membership Application Form
- Photocopy of latest PLDT Company ID (front and back) or government-issued ID
- Two (2) 1×1 ID photos
- Two (2) valid government-issued IDs (if you are a dependent or not an active PLDT employee)
- Certificate of Employment or any document showing affiliation with PLDT or its subsidiaries (if applicable)
How to Apply
Once you have the requirements, simply follow these steps to join:
Step 1. Visit PECCI’s office at the 4th Floor, Universal RE Building, Paseo de Roxas corner Perea Street, Makati City.
Step 2. Inquire about the membership application process and get the Membership Application Form.
Step 3. Submit your filled-out form along with all required documents.
Step 4. Wait for confirmation and further instructions from the membership officer.
Video: PECCI Multipurpose Cooperative Highlights
For those seeking a trustworthy cooperative in the Philippines that offers a variety of loan products and community-oriented programs, PECCI Multipurpose Cooperative stands out as a strong option. Its long history, track record of growth, and dedication to service make it a smart financial partner for employees, retirees, and their families. Watch this video and see for yourself what PECCI has achieved in the past year.
To learn more, visit PECCI in person at the 4th Floor of Universal RE Building, Paseo de Roxas corner Perea Street, Makati City or connect with their office directly to get started on your membership journey.