member owners

GSAC is the largest cooperative in Bicol region with over 61k members. Serving for 59 years now, we operate a total of 13 branches and 3 satellite offices.

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Helping you, and your business flourish.

GSAC is the largest cooperative in Bicol region with over 50,000 members. Serving for 58 years now, we operate a total of 16 branches.

Secure and enjoy your retirement.​

GSAC is the largest cooperative in Bicol region with over 50,000 members. Serving for 58 years now, we operate a total of 16 branches.

Go follow your dreams with GSAC.

GSAC is the largest cooperative in Bicol region with over 50,000 members. Serving for 58 years now, we operate a total of 16 branches.

Secure the door to their future.

GSAC is the largest cooperative in Bicol region with over 50,000 members. Serving for 58 years now, we operate a total of 16 branches.



Ang GSAC, nasa GCash na!

Don't you love it when things get easier? We do too! Whether you're on the go or prefer the convenience of online transactions, this new feature ensures a hassle-free experience, allowing you to make payments anytime and anywhere. You can now also effortlessly transfer cash from your GCash to your GSAC Savings Account! To know more, please watch the video below.

For guidance, please don't hesitate to message us on our Facebook page for speedy replies.

Are you still a GSAC Associate member?

Be a regular member now and receive these perks:

Receive dividends, patronage refund, premium rates on
deposits, and low interest on loans.

Production and marketing assistance

Loyalty awards and pension programs, Damayan II
death aid benefit

Discounts and points on allied services and products.



Live the
GSAC life.

GSAC Loan Products

Empowering and supporting people, and letting small and medium sized businesses launch their way to success.

Grow your money at a reliable rate

GSAC Time Deposit

Don't you think it's time you secure your future while you grow your money? GSAC Time Deposit gives you the interest you deserve.

Secure the door to their future

Education Savings

When we love, we hope their future bright. Education savings is a savings account purposely for education.

GSAC Advisory

NEW INTEREST RATE for the GSAC Special Savings Programs (Education Savings & Retirement Savings) effective AUGUST 1, 2023. Interest earned shall now be credited to the regular savings account of the depositor. 

Open your Special Savings Account and start earning more today!

Good news member-owners! 

The maximum loanable amount for the GSAC Agri-Production Loan (Palay) has now been increased from Php25,000.00 per hectare to PHP40,000.00 PER HECTARE effective July 20, 2023.

Hi there!

Access quick links here

Common Questions

Question not here? You may contact us or leave a message at our facebook page.

To apply for regular/associate membership or loan online, go to the top section of the website and choose "Online Application".

A regular member is one who has complied with all membership requirements and entitled to all the rights and privileges of membership.

An associate member is one who has no right to vote nor to be voted upon and shall be entitled only to such rights and privileges as the bylaws may provide.

Cooperatives are unique to other corporations because we have three distinguishing principles: user-owner, user-controlled, and user-benefited.

✓ User-owned principle signifies that the users are the ones who are financing the cooperative by transacting business.

✓ User-controlled means that the Board of Directors is elected by the members of  the cooperative and serves as the link between the membership and the manager.

✓ User-benefited indicates that the members the ones profiting from the cooperative because patronage refunds are returned to the members based on the amount of business they conducted with the cooperative.

A cooperative exists and operates  for the benefit of its patron members. At the same time, since the members are also the owners, they have a financial interest in the success of the cooperative—which sways them toward giving the coop their full support and patronage. Joining the coop would also expand one’s social asset or linkages.

• Premium rates on deposits (Savings, Time Deposit, Special Savings: Education, Retirement)
• Low interest on loans
• Production and marketing assistance
• Dividend (Interest on Capital and Patronage Refund)
• Pension Program
• Medical/Damayan Program
• Capacity Building

Submit application form to Information Section or apply within the website & attend the Pre-membership Seminar on the respective branch/satellite office schedule.

A co-op boosts the local economy by keeping profits in the community (more local spending, local resilience), creating more jobs, and supporting local farmers.

A co-op promotes a healthier community by fostering a sense of community by participation, creating a business governed by its members, and offering healthier, more natural food for everyone.

Cooperatives have savings and capital build-up programs to allow the continuing growth of the members’ investment as their own economic conditions continue to improve. Continuous or regular deposit is encouraged as part of the coop’s financial literacy program to grow your money, the cooperative way.

A coop operates on a non-for-profit basis. We operate to make a profit just like any other for-profit business except that the excess profit in a cooperative are returned to the members in the form of dividend.

Members play the roles of member, owner, investor, saver, borrower, and consumer/market as everybody endeavors to be an agent of change from within the family and transcends towards the community.

Once membership application is approved and upon depositing the required capital contribution/savings and payment of other fees—the person enters the rooster of regular members. Thereafter, the member needs to attend the Ownership Seminar-1: GSAC Loan Policies as prerequisite to loan availment.