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Know Our Co-ops series

Co-operatives have been an integral part of shaping Singapore, touching the lives of more than 1.4 million members. Co-operatives were birthed out of shared needs, responsibility and commitment to each other and to the society, and were amongst the earliest community self-help organisations to take root in Singapore.

The Know Our Co-ops series aims to let our affiliates to get to know each other better; appreciate each other's good work; and encourage conversations which can lead to collaborations. After all, we are in the same business to make a difference.


Sg Police Coop Old South Bridge Road
Undated photograph of Co-operative officials posed at the Central Police Headquarters at South Bridge Road.
Photo courtesy of Police Co-operative.


The Singapore Police Co-operative Thrift and Loan Society (Police Co-op), the first co-operative for uniformed personnel in the Singapore Government Service, was registered on 18 August 1926 with 85 members. Its founding objective was to provide members with financial assistance at affordable rates. The members were also encouraged to save.

Beyond fulfilling its fundamental role as a credit co-operative, the Police Co-operative served its members with different welfare initiatives. For example, in 1953, the Silver Jubilee Scholarship Fund was launched to aid the children of co-operative members who were killed in action during the Malayan Emergency or who were otherwise incapacitated and invalidated out of the service.

Today, 90 years later, the Police Co-operative, which was renamed the Singapore Police Co-operative Society (SPCS) in 1993, still remains relevant to the needs of its some 13,000 members.

Sg Police Coop New Sims Drive
Current SPCS Headquarters at 250 Sims Avenue.
Photo courtesy of Police Co-operative.

Located at Sims Avenue, it offers a wide range of savings schemes with one of the best interest rates in town. There are also different loans that cater to the different needs of its members. Members also enjoy 24-hour phone banking service, Common Good Fund, scholarship and bursary grants, subsidies for social functions and more.

The co-operative is upholding its motto - “we care, we listen, we help”, while working towards its mission to be “choice co-operative” and living out its vision of adding value to the well-being of its stakeholders.


coops on covid ssbec gpplus mask banner

The COVID-19 has brought health pandemic and impacted the economy. It has also disrupted lives and businesses worldwide. Co-operatives (co-ops) around the world are coming together to protect workers, members, users and a community at large.

Here are just some ways that co-ops in Singapore are fighting the pandemic.

Caring for Employees

Covid Newletter Graphic V1P OFFICE SAFETYDaily temperature screening for staff, office disinfection, use of hand sanitisers, travel history check and temperature taking for all visitors, spilt work and one-metre apart seating arrangement were some measures taken by SNCF and co-ops like POLWEL Co-op, Singapore Government Staff (SGS) Credit Co-op, NTUC FairPrice Co-op, and NTUC First Campus Co-op at the workplaces prior to the implementation of circuit breaker on 7 April 2020.  

Some co-ops like POLWEL Co-op and SGS Credit Co-op even issued their staff with masks, personal thermometers and hand sanitisers.

We also have Premier Security Co-op and SecureGuard Co-op paying for the accommodation for their Malaysian workers affected by Malaysia’s Movement Control Order (MCO).

Caring for Members

Covid Newletter Graphic V1P Hearts In BoxMembers’ welfare is also top on the mind of our co-ops. Straits Times Co-op gave out a one-time special payment of $50 to staff and members who has been with them for at least one year in May, while SGS Credit Co-op is looking into adding a COVID Circuit Breaker support sum in the form of additional dividends to their members in their coming AGM in August 2020.

SGS Credit Co-op introduced a Micro Loans scheme where members can go online to loan up to $400 instantly, with approval and credit within the day. Straits Times Co-op allows its members to defer loan repayment up to six months, while TCC Credit Co-op postponed loan repayments and waiving late penalties for members in the aviation industry till 30 June 2020.

Covid Newletter Graphic V1P Runninghour VirtualTaking care of members’ health and well-being is equally important.

RunningHour Co-op, which promotes the integration of people with special needs through sports such as running, has taken its classes online and is streaming  weekly Zumba and circuit training classes, as well as a running session with warm-ups done via Facebook Live, to help their members continue to stay active at home and connected to the RunningHour community during this circuit breaker period.

Caring for Community

Our co-ops continue to contribute to the larger community even during this trying period such as Seacare Co-op offering discounts for Malaysians staying in Singapore during Malaysia’s MCO at the Seacare Hotel.

Covid Newletter Graphic V1P SSBEC AND GP PLUSOn ‘Doing Good’, we have Singapore Statutory Boards Employees’ Co-op donating 10,000 surgical masks and 200 reusable masks in partnership with GP+ Co-op, to thank migrant workers affected by the COVID-19 pandemic. SNCF collaborated with Hagar Singapore, an NGO through Migrant x me, a social enterprise to distribute the masks to migrant workers who are staying in the Westlite Mandai dormitory.

Likewise, Straits Times Co-op donated $1,000 to Mind the Gap Fund to support the households that are affected by COVID-19.

NTUC FairPrice Co-op, among the many initiatives that it has taken to protect the community at its supermarkets like safe distancing, temperature screening, has along with strategic partners pledged $240,000 to ComChest Heartstrings Buy community engagement initiative to benefit the less privileged community, including the poor and needy, disabled and senior citizens.

Covid Newletter Graphic V1P Ntuc CoopsIt also pledged a donation of up to $500,000 to Lee Ah Mooi Old Age Home, Metta Welfare Association, Assisi Hospice, Touch Community Services and Food from the Heart, through online grocery orders. Under the FairPrice Group, NTUC Foodfare Co-op and Kopitiam have provided $120,000 worth of MILO beverages to hospital healthcare workers.

Helping workers to sharpen their skills or develop new ones become even more important during this time. NTUC LearningHub Co-op offers training support and free online courses as well as support to prepare individuals to transition to new job roles.

Mercatus Co-op offered rental support and an assistance package to help its retail tenants defray costs and safeguard jobs. NTUC First Campus Co-op, apart from creating interactive home-based learning resources and parent guides on a one-stop portal, gave a 50% fee offset off the net fees payable for Singaporean children enrolled in My First Skool, The Little Skool-House and The Caterpillar’s Cove, who are not attending pre-school during the circuit-breaker period.

NTUC Income Insurance Co-op is providing additional Covid-19 cover at no additional premium to close to 27,000 individuals insured by Income’s Personal Accident plans and over 500,000 employees of organisations insured by its Group Employee Benefits policies. It is also supporting lower-income households by extending Covid-19 benefits to the Income Family Micro-Insurance Scheme, and has been offering full refunds for customers wishing to cancel their travel insurance due to the Covid-19 situation.

Covid Newletter Graphic V1P Thank NursesTo cheer the frontline workers and community, SNCF sponsored and led 250 students from nine Coop Clubs to pack snack hampers and pen their own appreciation in self-made thank you cards to frontline workers as a form of appreciation and encouragement in February and March 2020.

Over 30 hampers were delivered to healthcare professionals and frontline workers working in Changi General Hospital, National Centre for Infectious Diseases (NCID), Ng Teng Fong General Hospital, National University Health System (JurongHealth Campus), Sengkang General Hospital, Singapore General Hospital, Tan Tock Seng Hospital and Immigration & Checkpoints Authority.

Industrial and Services Co-op Society (ISCOS) launched #ISCOS Steady Note to help and encourage the community during this COVID-19 pandemic, while GP+ Co-op helped the public to post words of encouragement to healthcare workers via social media and support the mental health of healthcare workers.

It is indeed heart-warming to see co-ops rallying together during these difficult times to inspire each other to live out co-op values and spirit of self-help, mutual help and caring for community.  it has also demonstrated that co-ops are resilient in times of need and ever ready to meet emerging challenges. Co-ops are BETTER TOGETHER.

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Singapore National Co-operative Federation
510 Thomson Road #12-02
SLF Building, Singapore 298135
Email: [email protected]
Tel (65) 6602 0747, Fax (65) 6259 9577

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