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That make you  smile



Our Story

PALO SECO CREDIT UNION Co-operative Society Limited was established after the war as a thrift and study club to facilitate the workers in the oil belt. PALO SECO CREDIT UNION from its humble beginnings emerged as a force within the Co-operative movement, due to the courage, vision and commitment of its founding members, and has matured into a Community Credit Union. It was registered on January 30th,1948 and was located within the Oilfields of South Trinidad (Los Bajos). The Palo Seco Credit Union relocated years later and officially opened up it’s new Head Office Saturday 16th October,1993 located at 856-858 Siparia,Erin Road,Los Bajos. The Head Office was built with the accommodations for office operations and full auditorium facilities.

Who We Are

Within the geographical area of Siparia to Erin, the major activities which fuels the existing businesses and employs the members of community, are all fueled by the ongoing petroleum producing activities through Oil companies and Farm-out operations. Adding to the major activities, the communities surrounding these companies took the opportunity to enhance the area through farming and small businesses. It is from these communities, small businesses, companies and farmers that the majority of the organisation's membership is derived.


The Board of Directors sees Palo Seco Credit Union as an efficient and effective organisation managed along lines that maximizes benefits, resulting in favourable returns to its members. Our organisation is result oriented and operates in a manner that strives for a superb level of service and satisfaction when interacting with our members.

Our Mission
Our Vision

To transform Palo Seco Credit Union into a leading Co-operative Institution providing the best financial services to its members, through the prudent management of their financial resources. While continuously developing its Human Resources in keeping with the Co-operative philosophy and principles of the Credit Union Movement.



Palo Seco Credit Union as the Premier Credit Union

Co-operative Society Limited in Trinidad & Tobago.

About Us




Financial Advisory

Whether its financial planning, debt consolidation, planning for retirement or looking for direction with your finances, we have the knowledge, products and services available to you. Additionally, we have partnered with other sound financial institutions to assist in ensuring that your dreams become a reality.


It is the policy of the Palo Seco Credit Union to grant loans for provident and productive purposes, to eligible members of the Credit Union, based primarily on the character and integrity of the individual and secured by whatever security is deemed appropriate. No applicant for a loan shall be discriminated against because of race, creed, colour, gender, religion 

or political affiliation.

What We Offer

Savings & Deposit Accounts

Palo Seco Credit Union Co-operative Society Limited offers competitive and attractive rates of return on investment accounts and Saving options. The Palo Seco Credit Union aims to provide a high level of customer service, whilst catering to our membership needs.

Family Indemnity Plan

Family is core to the credit union community and we seek to protect the family by workig in collaboration with CUNA Caribbean in providing Loan Protection Plans and Family Indemnity Plans. Loan Protection Plans can assist in times of financial difficulty and in the event of the death of a loved one, burial expenses should not be something you have to worry about for this is where the Family Indemnity Plan comes to the fore. 

Health Plans

Partnerships were formed with Guardian Life of the Caribbean and Sagicor Health Insurance to provide medical health plans for the benefit of members/group. Our health is our wealth but the cost of private health care is expensive and participating in a health plan can provide financial protection when needed. 


A Solid Track Record

Palo Seco Credit Union has a strong financial background with a drive to honor its membership. We have shown continued success in all our ventures. With more than 70 years in the cooperative movement, our

track record continuously attracts new members and retains those willing and able to continue growing with

us. The Palo Seco Credit Union’s goal is to be the premier financial institution within the southwestern area

of Trinidad which has been achieved through our consistently above average dividend payouts, comparable loan interest rates and simple but highly beneficial financial instruments aimed at consistently creating wealth for our membership at large.

Commitment to Member Needs

Officers and staff of the Palo Seco Credit Union create wealth for its members who cannot afford to lose their

investment. We mirror our opportunities, while being cognizant of inflation as reflected by the fluctuations in

the cost of living.

Service above Self- Our Culture

We have prioritized the organization highly, because we recognize that the high standards of integrity, honesty and discipline required at all levels by officers and staff, must be maintained as we continue the reputation of goodness and respect brought to and through the Credit Union.

Why Us



Our Address

856-858 Siparia Erin Road, Los Bajos,

Palo Seco,

Trinidad West Indies

Our Email

Our Phone No.

Telephone: 1 868-649-5683 | 649-4507 |


Fax: 1 868 649-6676

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