Yearly Thrift
Runs From January to December
Interest Rate: 7.5% per annum
Designed for disciplined savers who want to build steadily and earn confidently over 12 months.
The Yearly Thrift Plan is a structured savings program that runs from January to December, helping individuals stay consistent, grow their funds, and earn competitive interest at the end of the cycle. It’s Perfect for preparing for end-of-year expenses, festive seasons, school fees, business restocking, or personal investments.
Key Features
1. Fixed 12-Month Cycle
The savings cycle runs strictly from January to December each year, helping you stay committed and focused on your financial goals.
2. Competitive 7.5% Annual Interest
Earn 7.5% interest per annum on your total savings, paid at the end of the cycle.
3. Flexible Contributions
Save daily, weekly, or monthly whichever works best for you. You can increase your contributions at any time within the cycle.
4. November Savings Inclusive
Unlike many thrift plans that pause before the end of the year, November savings are included, ensuring you maximize your total contributions and interest.
How It Works
1. Register for the Yearly Thrift Plan
Sign up before or during the early part of the year.
2. Choose Your Contribution Plan
Decide how much you want to save daily, weekly, or monthly.
3. Make Consistent Payments
Contribute regularly throughout the year (January to November inclusive).
4. Savings Close in December
The cycle ends in December.
5. Receive Your Savings + Interest
In December, you receive your total savings plus the 7.5% interest earned.
Requirements
Valid means of identification
Agreed contribution amount
Minimum monthly contribution (amount determined by plan policy)
Commitment to complete the yearly cycle
Join the Yearly Thrift Plan Now!
FAQs
Is GH Trust a registered and licensed company?
Yes. GH Trust International Limited is registered with the Corporate Affairs Commission (CAC) and operates with a valid State Lender’s Permit. We are fully committed to transparent and lawful financial operations.
How long does it take to process a loan?
Processing time depends on the loan type and submission of complete documents. Most loans are reviewed and processed within a few working days once all required documents are provided.
How do I open a savings or investment account?
Opening an account is simple. Fill out the required form, and submit valid identification and necessary documentation. Our staff will guide you through the entire process. You can also visit any of our branches or contact our team,
What savings plans does GH Trust offer?
We offer Yearly Thrift (7.5% interest), Fixed Savings (5% interest), Regular Savings (0.5% interest), and Save-to-Invest plans designed to help you build capital consistently.
How is interest calculated on savings?
Interest is calculated based on the specific savings product you choose and the duration of your deposit. All rates are clearly stated before activation.