The Most Reliable Cooperative in Negros Oriental

Perpetual Help Community Cooperative (PHCCI), formerly known as Perpetual Help Credit Cooperative, Inc. was organized on April 14, 1971 by thirty three (33) pioneer members with a starting share capital of PHP586.00, and was later registered with Cooperative Administrative Office on February 18, 1972 under Republic Act No. 2023.

Go PHCCI mobile is NOW AVAILABLE at Apple App Store.    PHCCI is giving out QR Codes to members for contactless entry and collection of contact tracing details.   For your safety, please wear face mask when you visit our branch and satellite offices. Social distancing will be observed.   Toledo Satellite office is open Monday to Saturday from 8:30 AM to 4:00 PM.   Lapu-lapu Poblacion Branch is open Monday to Saturday from 8:30 AM to 4:00 PM.   Carcar Branch is open Monday to Saturday from 8:30 AM to 5:00 PM.   Notice: Telephone system update on Oct.16. No incoming & outgoing calls from 1:00pm to 5:00pm. Sorry for the inconvenience.
Perpetual Help Community Cooperative

Our Products & Services


Deposit your savings in PHCCI. We offer you various savings account that meets your needs. Start your saving goals now.


Short in funds for immediate needs? Apply for a loan according to your purpose and get the essential amount with PHCCI.


Regular Loan (2.00%)

Motorcycle Loan (1.00%)

Instant Loan (1.50%)

Housing Loan (1.30%)

Emergency Loan (1.50%)

Grocery Loan (0.00%)

Finance Loan (1.50%)

Salary Loan (1.50%)

Numbers Speak For Themselves!

Loans Requested
Loans Approved

Need Assistance?

Don’t hesitate to make a phone call. Your inquiries are our utmost priority.

Perpetual Help Community Cooperative

Mode of Payment

Latest News

Get updated with the latest events and announcements.

PHCCI offers affordable loan interest rates.

Acquire this budget friendly loan interest. Not yet a member? Attend our Pre-membership Education Seminar personally or online.