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Gateway Co-operative Credit Union review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Gateway Co-operative Credit Union suits members in Jamaica who want a co-operative lender for personal, car and home lending. It lends up to JMD 2,500,000 over 60, and members keep an easy-access deposit account with an ATM card alongside the loan.

Key facts

Best for
Members who keep savings and borrowing with one co-operative in Jamaica.
Loan amount
JMD 2,500,000↗
Term
60 months↗
Credit check
Hard↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Members with at least one year of continuous employment; valid National ID, TRN, proof of address, proof of bond and membership fee↗
Loan types
Personal, Car, Secured, Credit-line↗
Credit needed
Good↗
Legal entity
Infiniti Co-operative Credit Union Jamaica Limited↗
Headquarters
Jamaica↗
Founded
2017↗
Support channels
Email, Phone, Help-centre↗
Features
Credit line
Official website
gatewayja.com

Savings

Minimum deposit
JMD 100↗
Access terms
Ordinary Deposit Account: no maturity date, deposit or withdraw any time, ATM card linked↗
Account kind
Easy access↗

Mortgages

Fixed period
30 years↗
Maximum loan to value
95%↗
Purpose
Purchase, Home-equity↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Lends directly up to JMD 2,500,000 with personal, car, secured and credit-line options in personal, car and secured
  • Mortgages run over a fixed period of 30 for purchase and home-equity purposes in purchase and home equity
  • The easy access saver sits alongside an ordinary deposit account with no maturity date and an ATM card
  • Support runs on email, phone and help centre

Cons

  • The hard credit check and a good credit requirement in good rule out thin files
  • Eligibility needs a minimum age of continuous employment plus bond proof and a membership fee
  • Support runs on email, phone and help centre only
Gateway Co-operative Credit Union

Ready to try Gateway Co-operative Credit Union?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Members with steady employment and a good credit record
  • Borrowers who want a co-operative lender in Jamaica
  • People wanting home purchase or home-equity lending alongside savings

Who should look elsewhere

  • Borrowers building a file from scratch, given the credit check and credit needed
  • Anyone without a minimum age of continuous employment or bond proof

The company behind it

The legal entity is Infiniti Co-operative Credit Union Jamaica Limited, based in Jamaica and founded in 2017. It lends and takes deposits itself rather than passing customers to another lender. Members can reach the credit union on email, phone and help centre, so help arrives by email, by phone or through the help centre, whichever suits the question.

How Gateway Co-operative Credit Union compares

Where Gateway Co-operative Credit Union is available

Available
Jamaica

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can Gateway Co-operative Credit Union lend?+

The unsecured loan runs to JMD 2,500,000 and is repaid over 60. Beyond that, members can take a mortgage over a fixed period of 30 or borrow against a home through the home-equity route.

What credit check does it run?+

The loan application uses a hard credit check, which means an application can affect your credit file. Applicants are asked for good credit, so a record built over time helps.

What loans does it offer?+

The range covers personal, car and secured, so personal, car and secured lending all sit with the same lender. A credit line is also available for members who would rather draw down funds as they need them.

What savings accounts are available?+

The easy access account takes a minimum deposit of JMD 100 and carries a variable rate. An ordinary deposit account has no maturity date, and money can be deposited or withdrawn at any time with an ATM card linked.

Who can join and borrow?+

Members need a minimum age of continuous employment before they can apply. Applications ask for valid National ID, a TRN, proof of address, proof of bond and the membership fee.

How is the credit union regulated?+

The listed licence information for this credit union is empty, so no regulator or protection scheme is named here. Deposits and lending sit with Infiniti Co-operative Credit Union Jamaica Limited in Jamaica, and members can raise questions on email, phone and help centre.

How do I get help with my account?+

Support runs on email, phone and help centre, which covers email, phone and a help centre. The help centre handles common account questions, while phone suits anything urgent about a payment or a loan.

Sources

  • infiniticuja.com/2025-merger checked September 26, 2026

    Backs: Founded, Headquarters

    “Gateway was born from an amalgamation of the Hanover and Montego Credit Unions on January 3, 2017”

  • infiniticuja.com/faqs checked September 26, 2026

    Backs: Support channels

    “You may contact us via telephone at 876-926-6973 or via email at info@infiniticuja.com”

  • infiniticuja.com/membership-requirements checked September 26, 2026

    Backs: Eligibility

    “Valid National ID, Tax Registration Number (TRN), Proof of Address, Proof of Bond”

  • infiniticuja.com/product/home-equity-loan checked September 26, 2026

    Backs: Maximum loan to value

    “The Credit Union will lend a maximum of 95% of the Market Value.”

  • infiniticuja.com/product/mortgage-loan checked September 26, 2026

    Backs: Fixed period, Purpose

    “Maximum Loan Terms 30 Years”

  • infiniticuja.com/product/ordinary-deposit-account checked September 26, 2026

    Backs: Access terms, Minimum deposit

    “The Ordinary Deposit Account is a flexible, interest-earning savings option ... With no maturity date, you can deposit or withdraw funds whenever you need. Plus, it's linked to your ATM card for easy...”

  • infiniticuja.com/product/solid-saver-account checked September 26, 2026

    Backs: Account kind, Rate type

    “There's no set maturity date or penalties for withdrawals, making it perfect for building your savings on your own terms.”

  • infiniticuja.com/product/unsecured-loan checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Features, Lender type, Loan types, Term

    “access up to $2.5 million”

  • infiniticuja.com/who-we-are checked September 26, 2026

    Backs: Legal entity

    “Infiniti Co-operative Credit Union Jamaica Limited is a member-focused financial service provider”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Funding time, Representative example.

Gateway Co-operative Credit Union

Gateway Co-operative Credit Union

Members who keep savings and borrowing with one co-operative in Jamaica.

9.1/10See alternatives