One form, one deposit, and you are an owner.
Membership is open to staff of the Ghana Revenue Authority. Pay the entrance fee, buy at least GH¢700 in shares, and you are a co-owner of the union with an equal vote.
How to join
- 01
Confirm you are eligible
GRACCU serves staff of the Ghana Revenue Authority. Members who retire from the Authority may keep their membership.
- 02
Complete the membership form
Download it below, or collect one from the front office.
- 03
Pay the entrance fee and buy shares
Co-operative law requires the entrance fee and at least the minimum shares before you become a member. At GRACCU the minimum is GH¢500, and you receive a share certificate.
- 04
Save every month
At least GH¢100 a month, keeping a minimum balance of GH¢300. After six months of regular saving you can borrow and claim welfare benefits.
What membership gives you
- An equal vote at the Annual General Meeting
- Dividends on shares, approved by members at the AGM
- Interest on savings, worked out twice a year
- Normal loans of up to GH¢100,000 after six months
- Loan Protection Plan cover on every loan
- Welfare benefits for bereavement, marriage, birth, hospitalisation and accidents
- Savings accounts for your children
[ WELFARE BENEFITS ]
There for you at life's big moments
The union supports members through bereavement, celebration and hardship. Matters relating to welfare benefits are decided by the Welfare Chairman.
| EVENT | BENEFIT |
|---|---|
| Death of a member | GH¢500 |
| Death of a child, spouse or parent | GH¢500 |
| Marriage | GH¢150 |
| Birth | GH¢100 |
| Hospitalisation | GH¢100 |
| Accident | GH¢200 |
| Natural disaster | Subject to the magnitude of the event |
Who qualifies
- Members of not less than six months' standing
- For the end-of-year package, membership as at September of that year
[ SECURE COMMUNICATOR ]
Membership Enquiry & Registration Setup
Send your details and a membership officer will confirm your eligibility and the next step.
Membership Form
Tell us a little about yourself and we'll route your request to the right desk.
Membership questions, answered
Any staff member of the Ghana Revenue Authority, employees of GRA-affiliated institutions, and defined dependants (spouse, children) of existing members in good standing are eligible to join.
“GRACCU is a financial co-operative. Our main business is accepting savings and putting them at the disposal of members who may want to borrow.”
Ready to join GRACCU?
Buy GH¢700 in shares and save from GH¢100 a month. After six months you can borrow, and you share in dividends and welfare benefits as a co-owner.
