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Message from the Founder / Vision Lead

Welcome to the City of Refuge Cooperative Multipurpose Society Limited.

Our vision is simple but profound: to create a platform through which God's people can experience practical empowerment alongside spiritual growth. While the Church remains committed to transforming lives through the Word of God, we also recognise the importance of providing structured opportunities that promote financial wellbeing, responsible stewardship, and economic empowerment.

COR CMS has been established to help members build a stronger financial future through savings, responsible access to credit, investment opportunities, and cooperative enterprise.

As we journey together, I encourage every member to participate actively, uphold the values of integrity and accountability, and contribute to building a cooperative community that becomes a blessing to generations.

God Bless and prosper your endeavours in Jesus name.

Shalom.

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Pastor Ola Olukoyede

Founder / Vision Lead
Why Choose COR CMS

Five reasons to become a member

Member-Owned

Every member is a co-owner with dividends and patronage bonuses

Fully Digital

Manage account from any device with real-time access

Transparent by Design

All transactions visible with no hidden charges

Affordable Credit

Microcredit at rates below commercial lending

Community First

Welfare support, financial education, and business development

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COR CMS

ABOUT US

A cooperative built on trust, order and shared prosperity.

City of Refuge Cooperative Multipurpose Society Limited (COR CMS) is a technology enabled, members only cooperative established to promote economic empowerment, financial inclusion, and sustainable wealth creation among its members. Founded under the visionary leadership of Pastor Ola Olukoyede, COR CMS operates on a fully automated Enterprise Cooperative Management Platform, giving members secure, convenient, and transparent access to their cooperative accounts anytime and anywhere.

Learn More About Us
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Services

Save With Purpose. Borrow Responsibly. Build Together.

COR CMS provides members with secure savings products, affordable microcredit facilities, and structured investment opportunities. Every naira you save strengthens your financial position, determines your borrowing capacity, and builds the pool from which fellow members are supported. Our credit facilities are funded by members, approved by members, and priced to serve members — not to profit from them.

    Savings Products

  • COR Legacy Savings
  • COR TargetSave
  • COR SureSave
  • COR CMS Shares

    Financing Products

  • COR QuickFund
  • COR GrowthFund
  • COR EmpowerFund
View Our Products

Savings Products

Build your financial capacity with consistent savings habits. Members can establish savings patterns that suit their circumstances and build capacity to access eligible COR CMS financing.

Financing Products

More Than a Customer

You Are Part Owner

As a member, you are not simply a customer. Through your shares, you participate in the ownership structure of the Cooperative. Your participation contributes to the strength of the Cooperative, while its growth creates opportunities for all members.

We save together

We grow together

We empower one another

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Leadership Team

Meet our Executives

Abiodun Toyobo

Pastor Abiodun Toyobo

Esosa Kelvis Edomwonyi

Esosa Kelvin Edomwonyi

Gbenga Adewumi

Gbenga Adewumi

Segla Nayon

Segla Nayon Segla

Meet the Full Team
Membership

600+

Active Members

MEMBERSHIP

Join a Community Committed to Your Progress

Membership of COR CMS is open to the worshipers, members and employees of RCCG City of Refuge, and members of the public who desires to make this Parish their place of worship aged 18 years and above and who subscribe to the objectives of the Registered cooperative mutipurpose body.

Financial Benefits

Competitive returns, affordable credit, annual dividends, and patronage bonuses

24/7 Digital Access

Manage your account anytime, anywhere through our digital platform

Financial Education

Access to financial literacy programs and business development support

Learn More About Membership
FAQ

Got Questions? We've Got Answers

Find quick answers to the most common questions about COR CMS

What is COR CMS?

City of Refuge Cooperative Multipurpose Society Limited (COR CMS) is a members only cooperative established to promote savings, access to responsible credit, investment opportunities and economic empowerment among its members.

Who can become a member?

COR CMS is primarily established for eligible members of RCCG City of Refuge Parish. Membership and onboarding are subject to the Cooperative's eligibility requirements, documentation, policies and applicable bye laws.

Can members obtain loans?

Yes. Eligible members may apply for loans or microcredit facilities subject to the Cooperative's lending policy, savings history, repayment capacity, applicable security or guarantor requirements and other approval criteria. The objective is to make credit available responsibly and sustainably.

Is my personal information protected?

Yes. Members' personal information is treated confidentially and used only for legitimate cooperative, administrative and regulatory purposes. Personal data will be managed in accordance with applicable Nigerian data protection requirements, including the Nigeria Data Protection Act 2023.

Is COR CMS a bank or Fintech company?

No. COR CMS is a registered Cooperative Multipurpose Society. However, we operate a fully automated digital cooperative platform that provides members with a modern financial technology experience, enabling members to access and manage their cooperative activities conveniently through their smartphones.

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