Joy Co-operative Credit Union Limited exists to mobilise savings, offering competitive loans and providing other financial services to its members.

The Core Values are the beliefs that guide the conduct, activities and goals of the organization. Joy Co-operative Credit Union Limited has developed its Core Values in abbreviation form – MTTIP and strongly believed that the success of the institution is hinged on the underlisted values:

M - Member Sensitivity

T - Trust

T - Teamwork

I - Innovation

P - Professionalism

M - Member Sensitivity

JOCCU Limited remains committed to satisfy the very needs of its members. We measure, monitor, analyse and improve productivity, processes, tasks and ourselves to satisfy members and stakeholders.

T - Trust

JOCCU Limited is committed to having reliable and competent Management and Staff who renders quality services to its unique members.

T - Teamwork

JoCCU Ltd has the highest sense of working together towards a common goal. The strength of our team is not only limited to our combined experience and expertise but our ability to relate well with each other.

I - Innovation

JoCCU Limited has the expertise to practise new things that creates value for shareholders without being constrained by events of the past.

P - Professionalism

JoCCU Ltd conducts its business with the highest standards of professional behaviour and ethics. We are transparent, honest and ethical in all our interactions with our members and the general public.

JoCCU Ltd ties the activities being offered directly to its mission, and we maintain high security and yield to the investment being made by our valued members in a transparent manner.