Empowering Your Financial Future
Join the Extra-Value Multipurpose Cooperative Society (EMCS) at FULAFIA. We provide transparent savings, affordable loans, and a supportive community to help you achieve your financial goals.
500+
Active Members
₦50M+
Total Savings
15%
Annual Returns
10+
Years Experience
Message from the Chairman
The Extra-Value Multipurpose Cooperative Society (EMCS) is a member-driven organization established for the staff of Federal University of Lafia. Our core mission is to promote financial prudence and provide a reliable platform for savings and credit facilities.
We are committed to transparency, accountability, and the economic empowerment of our members through a range of carefully designed products and services.
Why Join EMCS FULAFIA?
Discover the benefits of being part of our thriving cooperative community
Financial Growth
Grow your savings with consistent monthly contributions and earn competitive dividends on society profits. Watch your money work for you.
Affordable Loans
Access regular, emergency, and commodity loans at competitive, member-friendly interest rates. Quick approval process guaranteed.
Community Support
Be part of a network of colleagues dedicated to mutual support and collective success. Together we achieve more.
Our Loan Products
Choose from our flexible loan options designed to meet your specific financial needs
Regular Loans
For significant projects and investments, with flexible repayment terms over 24 months. Perfect for major purchases and business investments.
- Up to ₦2M loan amount
- 24 months repayment
- Competitive interest rates
- Flexible terms
Emergency Loans
Quick access to funds for unforeseen circumstances, processed with urgency. Get help when you need it most.
- Same-day processing
- Minimal documentation
- Quick approval
- Emergency support
Commodity Loans
Finance assets like electronics, pay school fees, or purchase food items with ease. Make life more affordable.
- Electronics financing
- School fees payment
- Food items purchase
- Easy repayment
Palliative Loan
Special loan designed to provide financial relief for members facing hardship or special circumstances. Quick and compassionate support.
- Relief for hardship
- Fast processing
- Flexible repayment
- Compassionate terms
What Our Members Say
Hear from satisfied members about their experience with EMCS FULAFIA
"EMCS has been instrumental in helping me achieve my financial goals. The loan process is transparent and the returns on savings are excellent."
Dr. Sarah Johnson
Senior Lecturer"The emergency loan facility saved me during a difficult time. Quick processing and fair interest rates make EMCS the best choice."
Prof. Michael Adamu
Department Head"Being part of EMCS has taught me financial discipline. The community support and regular dividends have improved my financial stability."
Mrs. Grace Okafor
Administrative StaffReady to Take Control of Your Finances?
Join hundreds of members who are building a better financial future with EMCS FULAFIA. Registration is simple and the benefits are immediate.