• 876-929-5142 | 876-618-0094 | 876-618-0100 | 888-225-5472 (local calls only)
  • info@fhccu.com

Whatever Your Goals, Start Here, Start Now.


Mortgage Loans/ Home Equity Loan

Looking to build or buy your own home? FHC Credit Union gives you a number of flexible options through our Mortgage Home Solutions, JCCUL and Shelter loans. These loans offer terms between 20 and 30 years to repay at affordable interest rates.
Mortgage Home Solution
  • Maximum Loan Limit based on affordability
  • Permanent Share requirement of $10,000.00
  • Term up to 30 years to repay
  • 90% Financing
  • Compulsory Share Saving of 10% of monthly payment.
  • Affordability driven by DSR
Jamaica Co-operative Credit Union League (JCCUL)
  • Maximum of
    • $10,000,000.00 – Home Acquisition/ construction
    • $5,000,000.00 – Home Improvement
  • Ordinary Share requirement of 5% of loan amount
  • Permanent Share requirement of
    • $5,000.00 for loans under $500,000.00
    • $10,000.00 for loans over $500,000.00
  • Term  of repayment
    • 25 years– Home Acquisition/ construction
    • 15 years – Home Improvement
  • Affordability driven by DSR
*Conditions apply

NHT’s Housing Micro Finance Loan Programme

The National Housing Trust (NHT) expanded its reach to contributors with gross earnings of $42,000 weekly through this programme. The programme’s thrust is to improve low-income earners’ access to financial inclusive products. This will address the challenge of providing greater funding to facilitate incremental building to low income earners and will empower applicants with the provision of cost effective housing finance.


  • Maximum Loan granted is $850,000 ( at any one instance) subject to affordability
  • Total loan that can be accessed by each borrower over the life of the programme is $1.5m
  • Loan Term is 5 years

Loan Purposes

  • Land Purchase
  • Titling
  • Infrastructure (upgrade or new)
  • Utilities Installation
  • Construction Preliminaries
  • Completion of different stages
  • New Construction
  • Down Payments
  • Solar Products

About Us


On August 1, 2012, Churches Co-operative Credit Union and GSB Co-operative Credit Union merged to form the new entity First Heritage Co-operative Credit Union Limited (FHC). This decision culminated the process of discussions that began in October 2010 when the idea of the amalgamation of the two Credit Unions was born.


Get in touch

8-10 Eureka Road, Kingston 5

888-225-5472 (Local Callers only)




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