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

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Pay 1 Loans

Looking to consolidate all your debt into one flexible payment? Then Pay 1 is for you. These loans can be secured both internally and externally by cash and member funds and also using the equity in your home.

  • Ordinary Share requirement of 10% (5% if loan amount is $2M and over) of the loan amount
  • Permanent Share requirement
    • $5,000.00 for loans under $500,000.00
    • $10,000.00 for loans over $500,000.00
  • Maximum of 240 months (20 years) repayment term depending on the security used
  • Compulsory Share Savings of 10% of monthly payment.
  • Employment tenure: permanently employed for at least 6 months or 1 year renewable contract
  • Loan amount based on affordability
  • Securities
    • Real Estate / Motor Vehicle / Cash- Internal or External
    • Insurance Policy / Stocks & Shares

*Conditions apply

For information on how to access this product, please click here

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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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