Celebration Cooperative Society

Member-owned cooperative

Financial Freedom, Built Together

A member-owned, interest-free financial community where your savings fuel collective growth. Join the modern cooperative.

Get the App How It Works →

Cooperative Pulse

Live. Ethical. Member-first.

Savings

Agor Active

Voting

Open Ballots

Loans

Interest-Free

Reports

Transparent

Community health

Banking Without Interest. Community Without Barriers.

Experience financial services built on trust, transparency, and mutual support.

Mutual Guarantee, Not Interest

Borrow with support from fellow members. No predatory rates, just shared responsibility.

Collective Agor Savings

Grow wealth through our traditional rotating savings system, digitized for transparency.

Democratic Governance

One member, one vote. You own and govern this society together with elected leaders.

Trusted by communities and professional networks

We partner with community groups and professional associations to deliver ethical, transparent financial services.

Compliance-first

Member-owned

Community Leaders Council

Ethical Finance Network

Local SME Alliance

Cooperative Growth Forum

Trusted Employers Circle

Community-Endorsed

Testimonials and endorsements are verified and documented for transparency.

Evidence-based trust

Certifications, audit summaries, and governance documents live in the Transparency Hub.

Member-first outcomes

Our focus is on impact: savings discipline, ethical lending, and collective growth.

Your Path to Financial Empowerment

Join members building financial freedom through community support.

Apply & Join

Submit your application in the app. Committee review follows verification.

Contribute

Start regular savings. Join the Agor pool weekly.

Access Support

Request interest-free loans. Two fellow members guarantee you.

Grow & Vote

Receive payouts. Vote on society matters. Watch your community thrive.

Apply & Join

Submit your application in the app. Committee review follows verification.

Contribute

Start regular savings. Join the Agor pool weekly.

Access Support

Request interest-free loans. Two fellow members guarantee you.

Grow & Vote

Receive payouts. Vote on society matters. Watch your community thrive.

Transparency at Your Fingertips

Live metrics are available to members inside the app.

Governance Console

Transparency Overview

Live Cooperative Signals

Verified

Membership

Active

Agor Pools

On Schedule

Loans

Stable

Contribution Completion

Loan Health

Member View

Your cooperative at a glance

Live

Active Members

Live in app

Live

Total Pooled Funds

Live in app

Live

On-time Repayments

Live in app

Why Celebration Cooperative

Built around ethical savings, shared responsibility, and transparent decision-making.

Learn Our Story

Interest-free by design

Loans are structured without interest. Members support one another through mutual guarantees.

Democratic governance

One member, one vote. Leadership and policies are decided by the community.

Transparent operations

Members can review reports, statements, and performance summaries in the app.

Community-first outcomes

We prioritize financial stability, ethical growth, and long-term member success.

Modern Cooperative Experience

The Member Experience Stack

Not just screens — an operational system. Every touchpoint is designed to keep members informed, protected, and in control.

What members see

Agor Pool

Live Status

Votes

Open Ballots

Loans

Repayments

Reports

Quarterly

Transparency is always visible.

Structured Savings

Automated contribution windows, pooled visibility, and clear payout schedules.

Member Guarantees

Guarantor-backed lending that keeps the community accountable and protected.

Transparent Governance

Digital voting, meeting records, and documented decisions.

Risk Controls

Committee reviews, approval checkpoints, and audit-ready records.

Building Futures, Together

Real stories from members who've transformed their financial lives.

"The Agor system helped me fund my boutique without debt. The rotation kept my savings disciplined."

Member A

Verified Member

"When my family needed urgent support, my guarantors stood with me. The response was fast and fair."

Member B

Verified Member

"Voting on society decisions gives me a voice I never had with traditional banks."

Member C

Verified Member

"I saved consistently for the first time. The structure keeps me disciplined without pressure."

Member D

Verified Member

"The transparency dashboard shows exactly where funds are. That level of clarity is rare."

Committee Member

Verified Leader

"The cooperative helped me complete a major project without paying interest anywhere."

Member E

Verified Member

Built on Trust, Secured by Design

Your financial security and data privacy are our top priorities.

Security-First Architecture

Data Protection Practices

Cooperative Governance

100% Member-Owned

Regulatory Compliance

We follow cooperative governance standards and data protection best practices designed to protect member funds and information.

Compliance details, audit summaries, and governance documents are published in the Transparency Hub for members to review.

Celebration Cooperative vs Traditional Banks

See why members choose ethical, member-owned finance.

Feature

Celebration Cooperative

Traditional Banks

Interest Rates

Interest-free model

Interest-based lending

Ownership

Member-Owned

Shareholder-Owned

Decision Making

Democratic (One Member, One Vote)

Corporate Board

Loan Requirements

Member guarantors

Collateral and credit scoring

Transparency

Member transparency

Limited disclosure

Community Support

Mutual Guarantee System

Individual Responsibility

Savings System

Agor Rotating Pool

Fixed Deposit Rates

Account Fees

Member-governed fees

Institution-defined fees

Learn the Difference

Led By Members, Guided By Integrity

Meet the elected leaders who serve our community with dedication and transparency.

IGUNBOR NEKPEN GABRIEL

Chairman

ADEOLA BALIKIS OYELEKE

Vice Chairman

POUBINI RUTH WODAUDIEPIRIYE

Secretary

AIYENIGBA EYITAYO ABRAHAM

P.R.O

Frequently Asked Questions

Everything you need to know about joining our cooperative community.

We operate as a member-owned cooperative. Decisions are made democratically by members, and the model prioritizes shared responsibility and transparency.

We follow cooperative governance standards and implement security and data protection practices. Details are published in the Transparency Hub.

Applications are reviewed by the committee and processed in the app. Timelines vary based on verification.

You must be a Nigerian professional, commit to regular savings contributions, and agree to uphold our mutual guarantee principles. The committee reviews each application to ensure alignment with our values.

Agor is our rotating savings system, digitized for transparency. Members contribute regularly to a pooled fund, and distributions are made on a rotating basis. You can track contributions and payouts in the app.

Yes. All loans are interest-free (Qard-al-Hasan). You'll need guarantors and committee approval based on your contribution history and support.

After the due date, a late fee of NGN 300 is added daily to the outstanding balance until payment is made. Members are encouraged to contact the committee early to discuss repayment adjustments.

Members vote digitally on leadership elections and major decisions in the app. One member, one vote.

Still have questions?

Get the Celebration App

Applications and member access are available only in the mobile app.

New Members

Apply, contribute, and manage your account in the app.

Applications are reviewed by the committee inside the app.

Download on the App Store Get it on Google Play

For Existing Members

Access your dashboard, votes, and statements in the app.

Open in App Store Open in Google Play

Member login is available inside the app only.