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Membership
Join Our Community
Who Can Join
Open Membership
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 multipurpose body.
Eligibility Requirements
To become a member, you must meet the following criteria:
- You must be at least 18 years of age
- You must be of sound mind and good character
- You must subscribe to and pay for the minimum share capital
- You must accept and abide by the Bye-Laws of the Society
Member Benefits
Why Join COR CMS?
As a member, you can:
Open and manage your cooperative account digitally
Save at your own pace and frequency
Create targeted savings for specific goals
Apply for eligible loan facilities
Monitor your savings, loans, and investments in real time
Receive account notifications and statements
Participate in the ownership and growth of the Cooperative
Benefit from cooperative initiatives and empowerment programmes
Access your account anytime through the mobile app and online portal
Your Member Journey
How COR CMS Works
1
Become a Member
Complete your membership and account registration.
2
Start Saving
Choose the savings products and contribution patterns appropriate for your needs and goals.
3
Build Financial Capacity
Develop consistent savings habits and strengthen your financial capacity.
4
Access Eligible Financing
When you meet the applicable requirements, apply for the appropriate COR CMS financing product.
5
Support Other Members
Where eligible, support another member by providing a loan guarantee using qualifying savings.
6
Grow Together
Save responsibly, fulfil your commitments and participate in the opportunities created through the Cooperative.
Join Us Today
How to Become a Member
Step 1 Complete the Application
Register online through the member portal or collect a physical form at the Cooperative Secretariat.
Step 2 Submit Your Documents
- Valid means of identification (National ID, International Passport, Driver's Licence or Voter's Card)
- Recent passport photograph
- Proof of address (utility bill - optional)
- Bank Verification Number (BVN)
- Completed Next-of-Kin and Nominee declaration
Step 3 Pay Your Onboarding Fees
| Item | Frequency |
|---|---|
| Entrance / Registration Fee | One-time, non-refundable |
| Minimum Share Capital | Ownership subscription (non-refundable) |
| Minimum Monthly Savings | Monthly |
Step 4 Receive Your Membership Number
Once approved by the Management Committee, you will receive your unique membership number and login credentials for the digital platform.
Know Your Position
Rights and Obligations
Rights of a Member
- To attend, speak and vote at General Meetings
- To be elected into any office of the Society
- To inspect the Bye-Laws, minutes and audited accounts
- To access all savings, credit, investment and welfare products
- To receive dividends and patronage bonus as declared
- To withdraw from membership in accordance with the Bye-Laws
Obligations of a Member
- To maintain consistent monthly savings contributions
- To repay all loans promptly and in full
- To honour guarantor commitments freely entered into
- To attend General Meetings
- To abide by the Bye-Laws and all resolutions duly passed
- To keep personal and account information current
COR CMS is a Cooperative
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 the growth and sustainability of the Cooperative create opportunities for members collectively.
We save together.
We grow together.
We empower one another.
Exit Process
Withdrawal from Membership
A member may withdraw from the Society by giving three (3) months' written notice to the Secretary.
On exit, the member is entitled to the refund of savings and share capital, less any outstanding loan balance, guarantor liability, or sum owed to the Society. Entrance fees and levies are non-refundable. Settlement is made within the stipulated period of the effective date of withdrawal, subject to the Society's liquidity position and the provisions of the Bye-Laws.