Membership
Q: How can I be a member of ACC?
A: To be a member, please complete membership form here.
Q: Can I continue to save with ACC after I retire or resign from my place of employment?
A: Yes, you can.
If you are currently on salary check-off arrangement, you will be able to convert to associate member,
please complete the Conversion Form and GIRO Form.
Mail the completed GIRO form (handwritten) to AUPE Credit Cooperative, 295 Upper Paya Lebar Road, Singapore 534929.
Q: Will I be able to join as a member of ACC if I am working in a private sector?
A: Yes. You may join ACC as long as you are a valid NTUC member.
Q: Will I be able to join as a member of ACC if I am working in a private sector but not an union member?
A: No. You need to be an existing NTUC member.
Q: Currently I am a member of ACC, can I contribute savings for my spouse and children?
A: Yes. You complete the Membership Form and GIRO Form. Select option A2 and submit the birth certificate(s) and/or marriage certificate.
Mail the completed forms (handwritten) to AUPE Credit Cooperative, 295 Upper Paya Lebar Road, Singapore 534929.
Savings
Q: I wish to increase my monthly savings amount. How do I do it?
A: Click here to change your monthly deduction.
Q: How do I increase my monthly subscription contribution.
A: You are not able to increase your subscription as it is fixed.
Q: What is the maximum I can contribute for my savings?
A: You may contribute towards your savings as long as your total monthly deduction does not exceed 50% of your gross salary.
Q: How do I withdraw from my savings deposit account?
A: Please use the mobile application, withdrawal of funds will be credited to your bank account immediately.
Q: How can I apply for term deposit account?
A: Open a term deposit account through the mobile app.
Q: How do I fund my term deposit account?
A: You may fund your term deposit account with either or both options:
1) Transfer from your existing savings account.
2) Transfer from your personal bank account.
Make a payment to our Unique Entity Number (UEN): S65CS0156HSCF via PayNow.
Note: For placement of $50,000 and above, please complete the source of fund declaration here.
Q: How many term deposits account can I have?
A: At this moment, we do not have a limit on how many accounts a member may have.
Q: How do I withdraw my term deposit?
A: The default maturity instruction is P+I to your ACC savings account. For pre-mature withdrawal, please write to us at coop@aupe.org.sg.
Q: Do I get pro-rated interest if I withdraw my term deposit before maturity?
A: No, we do not pay any interest for premature withdrawal.
Q: What is the minimum and maximum placement for term deposit?
A: The minimum placement is $500. We do not have a maximum cap on the term deposit at this moment.
Loans
Q: What is the maximum loan I am eligible for?
A: Up to 6 times of your basic salary for salary deduction or 4 times of your basic salary for GIRO arrangement.
Capped at $50,000 for salary deduction or $30,000 for GIRO.
Q: How much secured loan am I eligible for?
A: You may borrow up to 100% of your total savings (subscriptions, savings and term deposits).
Q: Can I make an early repayment for my loans?
A: Only after 6 months you may make an early repayment / full settlement.
Q: How long does it take for my loan to be processed?
A: Your loan will be processed within 3 working day, if documents are incomplete, the processing time will be longer.
Q: I am unable to upload the required documents for loan application.
A: Please submit the documents via e-mail along with your full name and last 4 characters of your NRIC to coop@aupe.org.sg.
Q: When am I eligible to apply for another top-up loan?
A: There is a 3 month cooling period before you may apply for another loan.
Hospitalisation
Q: Can I claim from Union and ACC if I am a member for both?
A: Yes, you can claim from both Union and ACC. Please click here and complete the claim form.
Q: I am 69 years old. Am I eligible to claim for hospitalisation?
A: No. You are eligible to claim till the age of 68 years old. For more information, please visit our website.
Q: I would like to sign up for the enhanced hospitalisation scheme. Must my family be a ACC member?
A: Yes. As long as you are an existing union or ACC member who have signed up for hospitalisation scheme, you may apply for AWS-HFamily for your parents, spouse and children. Your family members need not be a member of ACC or union. Click here to learn more.