A credit union is a member-owned, non-profit financial institution that operates on the principle of people helping people. Unlike traditional banks, credit unions are cooperatives where members pool their resources to provide financial services to one another, often at more competitive rates.

Ribaa refers to any guaranteed interest on loaned money, which is strictly prohibited in Islam due to its exploitative nature. Engaging in ribaa is considered unjust, as it leads to unequal wealth distribution and social inequity.

We provide a range of Sharia-compliant financial products, including:

•Murabaha (Cost-Plus Financing): Facilitates the purchase of assets without engaging in interest-bearing loans.

•Qard Hasan (Benevolent Loan): Offers interest-free loans for special purposes, promoting mutual assistance.

•Mudarabah (Investment Partnership): Engages in profit-sharing partnerships, aligning with ethical investment principles.

Membership is open to individuals who align with our mission and values. Specific eligibility criteria can be obtained by contacting our office.

To apply for a loan, please visit our branch or contact us through our website to schedule a consultation. Our representatives will guide you through the application process and discuss the best financing options for your needs.

We adhere strictly to Islamic financial principles by offering ribaa-free services and ensuring all transactions are conducted ethically. Our products are designed to promote fairness and social justice, in line with Sharia law.