PHCCU loans are tailored to meet a variety of member needs, encompassing purposes such as funding for buildings, businesses, funerals, medical expenses, and more. Offering flexibility, members can borrow 2x or 3x their savings balance, utilizing deposited funds as security. What sets these loans apart is the ability for members to continue saving while simultaneously repaying the loan, ensuring a balanced financial approach. Repayment occurs on a reduced balance basis, providing a more manageable structure for borrowers. Additionally, the option for Top-Up Loans allows members to apply for new loans while still servicing existing ones, with qualification achievable after four months of consistent loan repayment. This multifaceted approach enables members to navigate their financial endeavors with greater ease.