Rooted in Community. Built for Impact.
The African Diaspora Co-operative Credit Union Ltd was born from a powerful vision: unite the financial strength of Africans in the Diaspora and back home, and channel it toward sustainable growth.
Why ADCCUL Exists
For years, members of the African Diaspora have sent remittances home to support families, build homes, fund education and invest in local businesses. Yet much of this financial power was scattered, unorganized, and lacked the collective strength to create long-lasting economic impact. At the same time, back home, entrepreneurs, farmers and families kept facing obstacles to affordable financial services and capital.
Seeing this gap, a group of forward-thinking Cameroonian business professionals, at home and abroad, came together with a shared purpose: to build a financial institution of the people and for the people. A cooperative that connects the Diaspora's resources with local community needs, while promoting financial literacy, business growth and economic independence.
ADCCUL was born in August 2023 at a meeting held in Gilgal Tower during the first visit to Cameroon of Dr. Umar Johnson Ifatunde, a renowned US-based Pan-Africanist who called on African countries to build institutions that help their children in the Diaspora invest and return home. Led by pioneer President Eric Igwacho of the GILGAL Investment Group, the union was officially launched on 5 June 2025 at its head office in the UBA/EasyShop Building, Down Beach Limbe, in the presence of the Paramount Chiefs of Buea and Limbe and leaders of the Fako Chiefs Conference.
ADCCUL is affiliated with CamCCUL, the Cameroon Cooperative Credit Union League, whose groundbreaking encrypted digital banking software powers our online services. Today ADCCUL operates as a regulated Category 1 microfinance cooperative from Limbe, serving members across Cameroon and around the world.
To be the leading financial bridge between the African Diaspora and home communities, driving inclusive prosperity, sustainable development and economic empowerment across Africa through cooperation, innovation and shared ownership.
To foster financial growth and stability by offering secure, transparent and member-focused financial services, combining experienced professionals, modern technology and deep local understanding so every member reaches their financial goals.
Efficiency. Integrity. Accountability.
Efficiency
Technology-driven services for fast, reliable transactions anywhere in the world, streamlined operations with minimal waste and maximum impact.
Integrity
A commitment to transparency and ethical standards in all member interactions. Every member matters, and every action is done with responsibility and trust.
Accountability
Responsible management of resources to safeguard and grow member wealth, audited accounts, an elected board, and answers owed to members, not outside shareholders.
Community Empowerment
Our cooperative model is rooted in collective strength, connecting Africans in the Diaspora and at home to build wealth, support each other, and grow together.
Ownership & Participation
Every member is both a stakeholder and a decision-maker. We encourage active involvement and shared responsibility in shaping the cooperative's future.
Sustainability
Solutions built to last, promoting long-term economic empowerment, environmental responsibility and community development.
Keep Your Bank. Add Your Union.
The ADCCUL Affiliation Program lets companies and individuals benefit from our services without leaving their current bank, open an ADCCUL account and link it to your existing accounts, enjoying cooperative flexibility alongside your other banking relationships.
- Membership affiliations for individuals and groups
- Partnership affiliations with like-minded organizations advancing economic, social and environmental justice
- CamCCUL affiliate: member of the Cameroon Cooperative Credit Union League, provider of our encrypted digital banking platform
- Wide service and product range · simple credit policy · quick disbursal · dedicated relationship manager
How We're Held Accountable
- Registered and regulated Category 1 Microfinance Institution (Cooperative Credit Union): Republic of Cameroon.
- Member-elected Board of Directors and supervisory committee
- Annual General Assembly where every member votes
- Independent audit of accounts, reported to members
- Strict KYC and anti-money-laundering procedures
Scenes from Our Official Launch
Traditional rulers, CamCCUL leadership and hundreds of new members joined us at the UBA/EasyShop Building in Limbe for the ribbon-cutting.
