Grow your Retirement Savings tax-free
Open to all Fairchild Cooperative members. Interest is tax-free, computed on your average daily balance, and credited to your account annually — with rates that increase the longer you stay invested.
Interest Rate Ladder
*Rates can go up and down depending on economic and market conditions.
Retirement Savings
Total Deposits Made
₱121,000.00
Initial deposit plus all monthly deposits over 5 years.
Retirement Savings
Applicable Rate Tier
7.0% p.a.
4th – 6th year tier, tax-free and compounded annually.
Retirement Savings
Total Interest Earned
₱22,948.77
Tax-free interest earned across all rate tiers reached in 5 years.
Retirement Savings
Estimated Ending Balance
₱143,948.77
Total deposits plus all compounded tax-free interest earned.
Interest is computed on the average daily balance and added to the account annually. If savings are withdrawn, the nearest lowest interest rate is applied, and the member may open a new account afterward.
Why Choose Retirement Savings
Retirement Savings Benefits
A tax-free way to build your future, with rates that reward long-term members the most.
Rates Grow up to 9%
Interest tiers increase the longer you stay invested.
Tax-Free, Compounded Interest
Your retirement fund grows faster, year after year.
Start with Just ₱1,000
An accessible entry point to begin building your future.
Decades of Trusted Service
A cooperative that has served the community for over 50 years.
Save at Your Own Pace
Deposit up to ₱10,000 a month, on your own schedule.
No Hidden Charges
Transparent terms so your savings truly work for you.