Serving Widikum since 1993
For over three decades, Widikum Cooperative Credit Union has been the trusted financial partner for families and businesses in our community.
From humble beginnings to community pillar
Widikum Cooperative Credit Union (WIDCCUL) was founded in 1993 by a small group of community members who believed in the power of cooperative finance. What started as a simple savings group has grown into one of the most trusted financial institutions in Widikum Sub-Division.
Over the past 30+ years, we have remained true to our founding mission: to provide accessible, affordable, and trustworthy financial services to the people of Widikum. We are not just a bank — we are your neighbors, your friends, and your partners in building a better future.
Today, WIDCCUL serves thousands of members with a comprehensive range of savings products, loans, and money transfer services. Our success is measured not in profits, but in the prosperity of our community.
Head Office
Ditché I, Widikum Sub-Division
100m from the town market
Our mission and values
Mission
To provide accessible, affordable, and trustworthy financial services that empower Widikum families and businesses to achieve their goals and build lasting prosperity.
Vision
To be the most trusted and impactful cooperative credit union in the North West Region, recognized for excellence in service and commitment to community development.
Values
Integrity, transparency, community focus, and member-first service. We believe that financial success should be built on trust and mutual respect.
Key milestones in our history
Foundation
WIDCCUL is established by community members in Widikum with a vision of cooperative financial services for all.
First Expansion
Membership grows to 500+ members. Introduction of daily savings collection service for market traders.
Agricultural Focus
Launch of specialized agricultural loan products to support Widikum's farming community.
PADMIR Partnership
Partnership with government agricultural programs to provide subsidized loans to farmers.
Digital Services
Introduction of mobile money integration (MTN/Orange) and Western Union services.
Growing Strong
Over 1,000 active members with 50M+ FCFA in annual loans, serving the entire Widikum Sub-Division.
What makes us different
Member-Owned
As a cooperative, every member has a voice. You're not just a customer — you're an owner.
Local Knowledge
We understand Widikum's unique needs because we live and work here alongside you.
Fair Rates
Competitive interest rates on loans and savings because our goal is your prosperity, not profit.
Secure & Trusted
30+ years of reliable service with transparent practices and secure fund management.
Frequently asked questions
Find answers to common questions about WIDCCUL membership and services.
To become a member, visit our Head Office in Ditché I with:
- Copy of your National ID Card (NIC)
- 2 passport-size photographs
- Initial deposit of 50,000 FCFA
The process takes about 30 minutes and your account will be active immediately.
Our daily savings collectors operate throughout the day in market areas.
Loan amounts depend on several factors:
- Your savings balance and history
- Length of membership
- Type of loan product
- Available collateral (for larger loans)
PADMIR loans: Up to 100,000,000 FCFA
Equivalent to 10 FCFA per 1,000 FCFA borrowed
Interest is calculated on the declining balance, making it more affordable as you repay.
Yes! We offer multiple money transfer services:
Visit our office with your ID to access these services.
Join our growing community
Become part of WIDCCUL today and experience the benefits of cooperative banking. Your financial future starts here.