Membership is open to officers and civilians from the Force, CISCO, CNB, SCDF and other affiliated organisations. They can join as Ordinary Members of the Co-operative. Retirees and NSmen from the Force can join as Associate Members. Application form is available on the Net.

With effect from 1^st June 2000, the Co-operative has expanded its membership base to include the following:

-	NSmen to include all NSmen from the Ministry of Home Affairs. They will join as Associate Members (NSmen).
-	Members who have resigned from the Ministry of Home Affairs are allowed to continue with their membership. They shall be called Associate Members (Affiliate).
-	Officers from the Voluntary Special Constabulary (VSC). They will join us as Associate Members (Affiliate).
-	Teachers and other personnel who are related in one way or another to the National Police Cadet Corps. They will join us as Associate Members (Affiliate).

Main Differences Between Ordinary and Associate Membership

An Associate Member will NOT be entitled to the following rights of an
Ordinary Member:

1.	No application for loan unless it is fully secured by the member's own savings or any other forms of guarantee or collateral acceptable by the Board.
2.	No voting rights during the Annual General Meeting.
3.	Not eligible to stand for election as a member of the Board of Directors.

Obligations of a Member

1.	Compulsory Subscription Saving of $40/- per month, refundable upon retirement/resignation. (More details under Product Services)
2.	Compulsory Purchase of 150 shares of the Co-operative at $1 each, refundable upon retirement/resignation. (More details under Product Services)
3.	Compulsory Entrance Fee of $10 for Ordinary Member. An Associate Member will pay $20/- for entrance fee. Non-refundable.

The obligatory dues will be deducted from the member's pay packet for Ordinary Members. Associate Members will pay their dues through GIRO.

Members will be entitled to receive dividends from the Co-operative based on their yearly savings (subscription + share) balance as at 31st December. The dividends declared will depend on the surplus made by the Co-operative for that particular year. Please refer to "Finance" for more details on the dividend rates for previous years.

The cost to join the Co-operative and thereafter to enjoy the wide array of savings and loan services available is only $10/- or $20/- (Entrance Fee). All savings will be returned to members when they cease to be members of the Co-operative.

New Incentives for Proposers and New Members with effect from 1^st July 2007

The Co-operative will now be giving a $10 voucher to newly sign-up members. Members will be receiving the voucher together with a copy of the Co-operative’s By-Law and confirmation letter of their membership. Only members whose membership has been approved will receive the voucher.

Revision to Incentives for Proposers

Proposer	Enhanced Incentives
1-9	$5 credited into SD A/C for each member
10-19	$6 credited into SD A/C for each member
20-29	$7 credited into SD A/C for each member
30-39	$8 credited into SD A/C for each member
Above 40	$10 credited into SD A/C for each member

* To be credited into Members’ Specific Deposit Accounts.

Application for Membership