Backed by assets. Driven by members.
Since 2004, we've been helping members build a better tomorrow. Pelan Simpanan Khas continues that mission- offering up to 9% annual dividends, backed by real assets and Shariah compliance.
✓ About Us
Our Story
In the early 2000s, many Malaysian workers, especially in the commercial and industrial sectors, faced real challenges accessing fair financial support. Traditional banking systems offered little room for flexibility or inclusion, especially for lower-income earners. It was within this gap that the National Union of Commercial Workers (NUCW) saw an opportunity to build something meaningful for its members.
On 28th December 2004, Koperasi NUCW Berhad was established with 547 founding members under the Co-Operative Societies Act 1993. Its objective was simple yet powerful: to create a member-first, community-rooted financial platform that uplifts workers' lives through inclusive, responsible and sustainable economic services.
NUCW Background
Cyber Security
Mission
ters a sense of community among its members
Advocates of a democratic member-owned co-operative society
Strives for the continuous economic empowerment of its members through diversification of its resources
Customer Support
Our Growth Journey
Since 2004, Koperasi NUCW has grown from 547 to over 6,300 members nationwide. Built on trust and cooperative values, we empower members through accessible financing, protection plans, and strategic investments that uplift livelihoods.
Digital Banking
Vision
To be a thriving, sustainable, and leading credit Co-operative society in Malaysia, championing the socio-economic advancement of its members with integrity, accountability, and innovation.
Customer Support
Objective
Socio economic advancement of our members through diversification of resources and crucial know-hows that could aid individuals towards leading better lives
Our Values
6,300
Member strong
RM35.3mill
Disbursts financing
537 acres
Oil palm plantation
Strategic Pillars of Growth
Koperasi NUCW’s offerings are built upon four strategic pillars designed to strengthen members’ financial well-being, provide meaningful protection, and create sustainable opportunities for growth. Each pillar plays a vital role in supporting our long-term mission to empower communities and enhance the lives of our members.
Personal Financing
Shariah-compliant personal financing for public and private sector members, including emergency, education, and festive loan packages.
Properties & Real Estate
Koperasi NUCW strengthens investor confidence with two hotel units in Bandar Hilir Melaka and Rawang, plus strategic commercial land holdings — tangible, income-generating assets that support dividend consistency and long-term capital security.
Koperasi NUCW strengthens investor confidence with 537 acres of oil palm plantation in Gambang — a tangible, income-generating asset that supports dividend consistency and long-term capital security.
Oil Palm Plantation
Frequently Asked Questions
What is the minimum age to apply for membership?
Anyone who is 18 years old and above is eligible to apply.
Is the membership open to non-Malaysians?
Yes. Membership is open to both Malaysians and foreigners, subject to approval by the Board.
Is there any service charge imposed for the special savings?
No
Is the dividend taxable?
Dividends receive from registered cooperatives are exempt from the standard 2% dividend tax - Income tax Acts 1993
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