Save. Grow.
Prosper together.
A structured wealth-building cooperative for Nigerians — savings, investments, and loans, all in one place.
Three ways to
build wealth.
All built for cooperative members.
Changing Lives Multipurpose Cooperative Society (CLIMPS)
Changing Lives Multipurpose Cooperative Society (CLIMPS) is a cooperative society that provides savings, wealth Circle, loans and business-oriented financial solutions designed to create opportunities, build wealth and change lives.
OUR SERVICES includes:
Savings
Thrift & High-YieldRegular cooperative thrift contributions, fixed target goals, and flexible savings products designed to cultivate disciplined wealth creation.
Wealth Circle opportunities
3.5% Monthly ReturnsExclusive pooled investment tranches with agreed monthly returns, capital security, and transparent returns for members.
Loans
Disbursed in 48 HoursLow-interest cooperative loan packages tailored for emergencies, personal milestones, and working capital needs with flexible repayment.
Business and financial solutions
Enterprise GrowthStrategic business advisory, merchant support facilities, working capital solutions, and financial tools to foster enterprise scalability.
Other member-focused services as approved by the Society.
Cooperative WelfareComprehensive member welfare initiatives, dividend distributions, asset acquisition schemes, and empowerment programs authorized by CLIMPS.
Who can join CLIMPS?
Individuals who meet CLIMPS membership requirements may apply to become members, subject to the Society's rules and applicable requirements.
Our Vision
To build an ecosystem that empowers people and businesses to create sustainable wealth, seize opportunities, and change lives.
Our Mission
To simplify access to innovative financial and business solutions that enable people and businesses save, grow, access capital, and build sustainable wealth.
Zero to financially free.
Four steps. Fully digital.
Register
BVN · NIN · ID — under 5 mins
Fund
Bank transfer, USSD, or card
Choose
Save · Grow · Borrow
Earn
Monthly statements & dividends
See your money
grow before you commit.
Adjust the sliders. Watch the numbers. No surprises.
* Estimates for planning purposes only. Actual returns subject to product terms.
Products built for
every financial goal.
Monthly Cooperative Contribution
Core cooperative thrift contribution. Earns 4% monthly when maintained for at least 1 year — early withdrawal forfeits interest.
- 4% monthly interest on balance
- At least 1-year tenure to retain interest
- ₦5,000 – ₦200,000 monthly contribution
Regular Savings Account
Flexible cooperative savings. Deposits held for at least 1 full year earn 4% monthly interest. Simple. Structured. Rewarding.
- 4% monthly return on saved funds
- 1-year tenure rule applies
- Up to ₦200,000 per month