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FEMOSCCUL stands for Friendly Entrepreneurs Movement for Sustainability Credit Union. But more than a name, we are a promise.
We were created by the ex-students of FEMS to help everyday people take control of their financial lives — without the high fees, confusing fine print, or distant customer service of traditional institutions.
| Feature | What It Means for You |
|---|---|
| Member Ownership | You're not just a customer. You're an owner with voting rights. |
| Low-Interest Loans | Borrow affordably for business, school, or emergencies. |
| Semester-Based Interest | Your savings grow every 6 months. |
| Group & Njangi Accounts | Save together, grow together. |
| Minor Accounts | Start building your child's future today. |
| Referral Rewards | Earn 400 FCFA for every friend who joins. |
"I saved with FEMOSCCUL for years. Now in retirement, they still support me like I'm active staff."
— Njie Peter, Retired Police Officer
"Their student-friendly services helped me save and manage my little allowance. FEMOSCCUL taught me discipline."
— Neba Collins, University Student
"I love how they offer njangi-like group savings. It keeps us accountable and united as a community."
— Nkeng Juliet, Trader
Manage your account from your phone via "My Credit Union" app
Pay bills in one place with automatic payments
Buy airtime, internet bundles, and send money via MTN & Orange
Withdraw at Express Union locations
Becoming a member is simple:
Complete a membership form
Buy 1 share (10,000 FCFA)
Pay registration fee (1,000 FCFA) + building fee (1,500 FCFA)
Submit 2 passport photos and ID
Register your next of kin
Download the CASHBOOK app
At FEMOSCCUL, we don't just hold your money — we help you grow it. Whether you're a student, trader, parent, or retiree, there's a place for you here.
Because saving makes your tomorrow great.
📧 Support@femosccul.com