The history of the J.D.F Co-operative Credit Union is a story of aspiration, ambition and achievement. The Credit Union was formed in response to the increasing financial needs of service men, many of whom were finding it challenging to meet economic goals due to financial strains. The servicemen were bravely trying to overcome the challenges of low wages, high levels of indebtedness, the lack of access to bank loans and avaricious loan sharks who were making a thriving business from their need for financial aid.Within this period, a group of visionary thinkers proactively decided to change the course of action. The year was 1962, one year after the inception of the Jamaica Defence Force, when a group of civilians who were working in Up Park Camp, formed a study group led by Father McLaughlin and Mr. Tony Woods, to learn about the Credit Union Movement in Jamaica. This study group was comprised of volunteers who met weekly to discuss the operations and benefits of Credit Unions and the requirements for membership.

The Grace Co-op Credit Union was conceived in 1970 when Alvin Lee, Willie Diedrick, and Leroy Lukong of the Merchandise Department got together with the late Father John and discussed starting a Credit Union for the Grace Kennedy staff. After obtaining the approval, Mr. Fred Kennedy and Mr. Carlton Alexander moved rapidly and the Credit Union started in February 1970 with seventy two (72) members, and an asset base of $244 Thousand. The Credit Union has come a long way, our membership stood at Two Thousand and Seventy (2070) with total assets of $457M as at 31st December 2011. The Credit Union is a financial institution that offers a wide range of products and services to satisfy the needs of the members. Some of these products include Golden Harvest, Partner Plan, Fixed Deposit, Standing orders, and various loan types to suit individual needs with competitive interest rates.

The history of First Regional Co-operative Credit Union Ltd. is rooted in some 55 years of dedicated service to its members through a range of strategic mergers and propitious partnerships that have resulted in a more vibrant, stronger Credit Union, equipped to better serve its members. It is this rich history, anchored by a commitment to continuous improvement that has enabled First Regional to deliver world-class financial products to its members, providing them with opportunities to realize their life ambitions and goals. First Regional emerged as a larger, safer Credit Union in 2006, with the amalgamation of the St. Ann Co-operative Credit Union and the St. Mary Co-operative Credit Union. The newly-minted First Regio0nal Co-operative Credit Union Ltd. was ready to facilitate change, improve the welfare of the less fortunate, and shape the future of the communities in which it operates. Since 2006, First Regional has garnered a number of awards and achievements, and has marked various milestones. The latest milestone was its strategic merger in July 1, 2013 with the Round Hill Hotel Staff Co-operative Credit Union and the Hospitality Industries Co-operative Credit Union, which saw First Regional expanding its scope of operations island-wide to serve workers in Jamaica's hospitality industry.

Your Credit Union Working For You The mission of Broadcast & Allied Services Co-operation Credit Union is to deliver the highest quality financial services, as and when demanded by our members through trained, professional and motivated staff.

A LEGACY OF TRANSFORMATION On August 1, 2012, Churches Co-operative Credit Union and GSB Co-operative Credit Union merged to form the new entity First Heritage Co-operative Credit Union Limited (FHC). This decision culminated the process of discussions that began in October 2010 when the idea of the amalgamation of the two Credit Unions was born. With a combined heritage of over 100 years, First Heritage Co-operative Credit Union Limited now stands as the largest open bond Credit Union in Jamaica. A merger of this magnitude was the first of its kind in the history of the Credit Union movement. On March 1, 2015, the business and operations of St. Thomas Co-operative Credit Union Limited was transferred to FHC. This merger was borne out of a mutual strategic vision of expanding Agriculture/Micro and Small Business lending to assist farmers and cultivate entrepreneurship across rural Jamaica. Our Members, from the former St. Thomas branch will now have access to a suite of over forty two products and services to meet every stage of life. This merger makes St. Thomas branch the eleventh location which will facilitate the growth and expansion of Agricultural lending not only in St. Thomas, but across the country, ultimately positively impacting the industry as well as the economy. FHC has as its bond, all civil servants, staff within Statutory Bodies and Public Corporations, their spouses and relatives, all members of any religious bodies and affiliations in Jamaica and their relatives and persons who live, work and do business in St. Thomas as well as their families. We currently serve over 200,000 members through a network of eleven locations island wide, offering a wide array of products and services. These products are specifically designed to meet the needs of our members at every stage of their lives, whether they are just starting out, or are financially savvy and investment-oriented. Our commitment remains, to generate continual benefits to our members and other stakeholders.

Jamaica Police Co-operative Credit Union Limited (JPCCU) was founded July 4th, 1955 by 11 rank and file members of the Jamaica Constabulary Force with each contributing one (1) shilling (equivalent of ten cents today). It was established with the specific mandate to encourage collective savings and to provide loans to the members of the Jamaica Constabulary Force. To date, the Credit Union's raison d'être remains to help our Members elevate their financial status and achieve their goals; through specialized products formulated with their financial needs in mind. The Credit Union started its operation in a small room at the East Street Police canteen. As the Movement grew and the membership rapidly increased, JPCCU moved it's only operating office at the time to Elleston Road. The office was moved to Hope Road and later returned to Elleston Road. After many years of operation at the Elleston Road location, the need for greater comfort to our growing membership base became a priority resulting in the purchasing of its office space at Church Street, a building purchased solely from surplus made by the Credit Union.

In 2016, as EduCom sought to expand and grow, we engaged with St. Catherine Co-operative Credit Union Limited, SCCUL, to acquire their operations on January 1, 2017. This merger resulted in the transfer of the assets and liabilities of the SCCUL to EduCom Co-operative Credit Union Limited, resulting in a combined asset base for EduCom of $8.1 billion and increasing its membership to 67,000. This has resulted in a network of nine (9) branches spread island wide which ranks EduCom in the number 5 position among large Credit Unions. Based on the similarities of both credit unions, combining their strengths gives the opportunity to deliver stronger financial performance and offer a wider range of financial products to an expanded membership base. This strategic merger will have significant benefits to the members and the sustained viability of the merged entity, resulting in an increased Capital Base to mitigate against risk along with expanding the reach and scope of the credit union so as to attract more members and increase our market share. EduCom's objective will be to continue adding Value through Service, Integrity Innovation and Commitment to its members while improving our viability and sustainability so that we are able to enhance our overall member value proposition in the long term.

The National People’s Co-operative Bank (NPCB) vision is to be the leading jamaican co-operative financial institution offerings quality products, world class service and adding value to our members. What is now the National Peoples Co-operative Bank of Jamaica Limited first began when on the 19th of April 1905 the first loan society (as it was then called) was launched in Christiana, Manchester by Mr. Jock Palache, a French Canadian who worked in the Island as an Agricultural Extension Officer. Following a successful start another P.C Bank was set up in Mile Gully on June 21, 1905. Both were registered under the Industrial and Provident Society Law #33 of 1902. The initial objective of the PC Bank was to carry on the business of the Banker, Bill Discounter and a Dealer in Stocks, Shares, Bonds Debentures, Mortgages, and other Securities and to make advances for Cooperative and agricultural purposes. Since the start of operations, the PC Banks were mainly engaged in the provision of financing for agricultural purposes.