Transparency and Accountability

In a world where clarity can be scarce, we shine a light on transparency. Every step, every decision, is made with your best interests at heart. We hold ourselves accountable, ensuring that your trust is always well-placed.

Customer-Centric Services

At the heart of our mission is you. Your needs, your aspirations, your journey. We strive to exceed your expectations, offering tailored solutions and personalized experiences that empower you to achieve your financial goals.

Financial Inclusion and Social Responsibility

Beyond banking, we embrace a vision of inclusivity and impact. We reach out to the underserved, bridging gaps and creating opportunities. Together, we build a more inclusive and prosperous future for all.

Security and Risk Management

In an ever-changing landscape, security is our unwavering commitment. We safeguard your assets and information with the highest standards of protection. Your peace of mind is our greatest reward.

About Us

At JOSRALD, we are more than just a microcredit union; we are a community-driven financial institution committed to empowering individuals and businesses to thrive. With a strong focus on financial inclusion and social impact, we provide accessible and affordable financial services to underserved communities, helping them build a brighter future.

At JOSRALD, we prioritize transparency, integrity, and exceptional service. Join us on a journey towards financial empowerment and experience the difference in your life and community.

  • Community-Driven Financial Institution
  • Commitment to Financial Resilience
  • Core Values of Transparency and Integrity

Our mission is to foster financial resilience and prosperity by offering flexible credit solutions, savings options, and financial education programs tailored to the unique needs of our members. We believe in the power of community and are dedicated to creating positive social change through responsible lending practices and sustainable growth.

View Services

Join JOSRALD today and experience the convenience and security of mobile banking.

With our easy-to-use app, you can access your accounts, make payments, and manage your finances anytime, anywhere. Stay in control of your finances and enjoy banking on the go with JOSRALD.

  • 01 Convenience

    Mobile banking allows users to access their accounts and perform transactions anytime, anywhere, using their smartphones or tablets. This eliminates the need to visit a physical bank branch, saving time and effort.

  • Mobile banking provides easy access to account information, transaction history, and account statements. Users can also make payments, transfer funds, and manage their finances on the go, making banking more convenient and accessible.

  • Mobile banking apps are equipped with advanced security features, such as encryption and biometric authentication, to ensure the safety of users' financial information. Additionally, users can monitor their accounts in real-time and receive alerts for suspicious activities, enhancing security and peace of mind.


Join our savings and credit union for a timeless banking experience. Enjoy trusted savings accounts, competitive loans, convenient checking services, expert financial education, and community-focused initiatives. Experience banking that puts you first.

Savings Accounts

Savings and credit unions offer traditional savings accounts that allow members to deposit money and earn interest on their savings.


These institutions provide various types of loans, including personal loans, home loans, and business loans, often at competitive rates compared to traditional banks.

Checking Accounts

Many savings and credit unions offer checking accounts with features such as debit cards, online banking, and mobile banking for easy access to funds.

Financial Education

Savings and credit unions often provide financial literacy programs and resources to help members make informed financial decisions and improve their financial well-being.

Investment Services

Some savings and credit unions offer investment services, such as mutual funds and retirement accounts, to help members grow their wealth and plan for the future.

Community Development

Savings and credit unions are often deeply rooted in their communities and provide support through initiatives such as affordable housing programs, small business development, and community outreach efforts.

Call To Action

Take control of your financial future today. Join our savings and credit union to access a range of services designed to help you save, borrow, and grow your wealth. Start your journey to financial freedom now.

Request Call Back

Let a JOSRALD experienced staff call you back to answer your banking questions.


Step into a world where evidence speaks louder than words. Explore our gallery and let our works ignite your imagination.

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Meet Our Exceptional Team: Each member is dedicated to providing you with the best service possible. Get to know the faces behind our success!

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Mobile Banker

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Create Free Account

Unlock a world of financial possibilities with JOSRALD! Join our community of empowered members and experience personalized service, competitive rates, and a commitment to your financial well-being. Start your journey towards a brighter financial future today!

Free Account

GH¢0 / month

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  • Deposit Charge

Frequently Asked Questions

  • What is a credit union, and how is it different from a bank?

    A credit union is a member-owned financial cooperative that provides similar services to a bank, such as savings accounts, loans, and other financial products. However, unlike banks, credit unions are nonprofit organizations owned and operated by their members, who share a common bond, such as belonging to the same community or industry. This structure allows credit unions to focus on serving their members' needs rather than maximizing profits.

  • Credit unions typically have membership eligibility requirements based on a common bond, such as living in a specific geographic area, working for a particular employer, or belonging to a certain organization or association. However, many credit unions have broadened their membership criteria to include family members of existing members or individuals who support the credit union's mission.

  • Banking with a credit union offers several advantages, including typically lower fees and loan rates, higher interest rates on savings accounts, a focus on personalized service, and a strong sense of community involvement. Additionally, as member-owned institutions, credit unions prioritize the financial well-being of their members and often offer financial education programs and resources to help members achieve their goals.

  • Yes, deposits in credit unions are insured up to a certain limit by the National Credit Union Administration (NCUA) in similar agencies in other countries.

  • Credit unions are democratically governed organizations, with members having a say in the credit union's operations and decision-making processes. Members typically elect a volunteer board of directors from among the credit union's membership to oversee its affairs and establish policies. Additionally, credit unions often hold annual meetings where members can voice their opinions, vote on important matters, and elect or re-elect board members.

Contact Us


First floor
Kwame Nkrumah Building Okess Junction


+233 53 369 3819