JOIN US AND BE A COOP MEMBER
Be part of our growing family and get access to all the products and services of CAEMC. Join Today, Click the REGISTER button below.
JOIN US AND BE A COOP MEMBER
Be part of our growing family and get access to all the products and services of CAEMC. Join Today, Click the REGISTER button below.
Cooperative Information
Cebu Air Employees Multi-Purpose Cooperative (CAEMC) is a cooperative owned by regular employees of the Cebu Pacific Air. It was founded by 22 regular employees with an initial capitalization of Php44,000.00. CAEMC received its Certificate of Registration from the Cooperative Development Authority of the Philippines last March 31, 2000 as an institutional based cooperative. Operations were professionalized and its programs and services were implemented to cater the needs of the members. To date, CAEMC members were figured at 2,559 while its net worth was recorded at Php300M.
Products and Services
Cebu Air Employees Multipurpose Cooperative (CAEMC) is focused in uplifting the quality of life of its members through cooperative programs, it has the most competitive rates of savings and investments and affordable loan packages. CAEMC extends credit to aid and support the financial needs of every member in order to strengthen their financial well-being and foster economic development. CAEMC also promotes savings and investments to assist members in attaining financial stability. Carried out by a team of highly committed professional individuals ensuring quality and excellent service to all its members.
Savings Deposit
- ₱300 – ₱1,500,000 → 3% PA
- ₱1,500,001 – ₱2,000,000 → 2.5% PA
- ₱2,000,001 – ₱5,000,000 → 3% PA
Young Saver's Deposit
4% PA
Time Deposit
5% PA
Featured Loans
Leadership Message
On behalf of the Board of Directors, I warmly greet all our members, officers, management, staff, and partners as we celebrate the 26th Anniversary of our Cooperative. For twenty-six years, our cooperative has remained committed to the spirit of unity, mutual help, and shared progress. What started as a vision of collective empowerment has grown into a strong and trusted institution because of the dedication, support, and cooperation of every member. This milestone is not only a celebration of our achievements but also a reminder of the values that guide us, cooperation, integrity, accountability, and service to our members and community. Together, we have faced challenges, embraced opportunities, and continued to build a cooperative that uplifts lives. As we move forward, may we remain united in our mission to strengthen our cooperative, expand our services, and create more opportunities for growth and prosperity for all. Let this 26th anniversary inspire us to continue working hand in hand toward a brighter and more sustainable future. Congratulations to everyone who has been part of this remarkable journey. Happy 26th Anniversary to our Cooperative!
Capt. Edwin M. Bagtas
Chairman
As we celebrate the 26th Anniversary of the Cebu Air Employees Multi-Purpose Cooperative (CAEMC), we reflect with pride on a journey shaped by unity, resilience, and a shared commitment to improving lives through cooperativism. This milestone is more than a celebration of years—it is a testament to the strength of our collective vision and the enduring values that continue to guide us forward. Over the past year, we have faced challenges that tested our resolve. Yet, through your unwavering trust and active participation, our Cooperative has not only endured but thrived. The addition of 591 new members, bringing our total membership to 4,271, speaks volumes about the confidence you place in CAEMC. More importantly, it highlights the growing community of individuals who believe in cooperation as a pathway to shared progress. Each of you serves as an ambassador of goodwill, embodying the principles of integrity, collaboration, and mutual support in your workplaces and communities. In our pursuit of greater service and accessibility, we have taken significant steps to bring CAEMC closer to you. Our continued nationwide expansion, coupled with the successful rollout of our mobile application, marks an important shift toward innovation and convenience. These initiatives reflect our commitment to providing efficient, accessible, and member-focused services in an increasingly digital world. Financial empowerment remains at the core of our mission. This year, we proudly celebrate nine new member-millionaires, bringing the total to 73. These milestones are not merely numbers—they represent real stories of discipline, perseverance, and the tangible benefits of cooperative engagement. They serve as a powerful reminder of what we can achieve together through shared opportunities and collective support. I am likewise pleased to report that CAEMC continues to stand on solid financial ground. Our assets have grown to ₱1.28 billion, while equity has reached ₱451.8 million. Revenues have increased across all major business segments, reflecting the strength and sustainability of our operations. Despite the challenges posed by rising financing costs, we have maintained competitive returns—ensuring that your savings continue to grow and work for you. Our strong performance has also enabled us to give back to our members. With an 11% increase in net surplus, we have allocated ₱27.29 million for dividends and patronage refunds. This reflects our steadfast commitment to ensuring that the benefits of our success are shared equitably among those who make it possible—our members. We also take pride in maintaining a “Satisfactory” rating from the Cooperative Development Authority, alongside our continued compliance with international standards through our ISO certification. These recognitions affirm our dedication to excellence, transparency, and sound governance—principles that remain central to our operations. Dear members, every achievement we celebrate today is the result of your trust, engagement, and belief in our Cooperative. CAEMC’s strength lies not only in its financial performance, but in the unity and shared purpose of its members. It is this spirit of cooperation that continues to drive us forward. As we mark 26 years of service, let us remain steadfast in our commitment to one another—continuing to strengthen our Cooperative, uplift our fellow members, and build a future defined by shared prosperity and inclusive growth. Maraming salamat po sa inyong patuloy na suporta at pagtitiwala. Mabuhay ang CAEMC!
Capt. Renato G. Reyes
President