OUR Investment Certificates

OUR Investment Certificates (IC)*

We filed a Regulation A* that has beenqualified by SEC, that allows us to sell Investment Certificate (IC) to fund our loans.

An IC is a financial product that usually pays a fixed interest rate for a set period of time, known as term. The term can range from 6 to 24 months. By depositing your money into an IC for a set term, you lock in your initial deposit principal and interest rate until your money matures

An OUR MicroLending IC from $1,000 provides your savings with a fixed return, even during uncertain times. Investing in an OUR IC can give you peace of mind whether you are saving for tomorrow, next year project, tuition or retirement.

There are a number of reasons you may want to buy an IC:

Interest Rates. ICs typically pay higher interest rates than other deposit products. Higher IC rates are available for longer terms.

Fixed Return.. Since the interest rate of a IC is set at account opening and does not change until the IC matures, you know exactly how much money you will earn during the term of your IC.

What happens when your IC matures?

  1. You will receive a notice reminding you of the maturity of your IC 15 days in advance.
  2. At maturity you can:
    • Change the term.
    • Roll Over at the same term and rate.
    • Withdraw and close your IC.

Choose your Term and define your Rate

Term Annual Interest Rates***
6 months
6.14%
12 months
7.48%
18 months
8.98%
24 months
10.38%
*For details read Offering Circular
 Comp Eng July 2017
** Banks usually asks for minimum Investment  (Ave:$2,500)
***Interest rates change the first Monday of every month

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