Empower Your Employees:
Maximize Financial Benefits with HC Mutual

November 02, 2025 | by HC Mutual
At HC Mutual, we believe that financial empowerment begins with understanding. That’s why we work hand-in-hand with our corporate partners to ensure their employees are fully informed about the valuable financial solutions available to them.

Through our tailored savings and loan programs, KayaMo Saver’s Plan, 5ave Up! Plan, KayaMo Cash Loan, and KayaMo Home Loan, we help employees save with purpose, access responsible credit, and invest in their future.

KayaMo Saver’s Plan:

Start small, save smart

The KayaMo Saver’s Plan is designed to help employees build a financial cushion through consistent, affordable savings. With guaranteed returns and easy access, this plan is ideal for those who want to build an emergency fund or start a long-term savings habit.

5ave Up! Plan:
Goal-oriented saving for the future

The 5ave Up! Plan offers a structured way to save for specific life goals, such as education, business ventures, or travel. This plan encourages regular contributions over a set period, providing employees with higher yields than standard savings options. It helps cultivate financial discipline and turn aspirations into achievable outcomes.

KayaMo Cash Loan:
Fast, accessible financial support

When urgent needs arise, the KayaMo Cash Loan offers quick and reliable access to funds. With minimal documentation, competitive interest rates, and fast approval, employees can address unexpected expenses, like medical bills, tuition fees, or family emergencies without resorting to high-interest lenders.

KayaMo Home Loan:
Your path to homeownership

The KayaMo Home Loan helps employees take a major step toward financial stability: owning a home. Whether purchasing a house, lot, or funding home improvements, this loan provides flexible terms, fixed interest, and a streamlined application process. It’s a practical and affordable option for employees working toward long-term security.

Empowering employees to maximize their financial benefits

At HC Mutual, we’re committed to helping employees take full advantage of the financial opportunities available to them. Whether you’re planning to buy your first home, build an emergency fund, or grow your savings, our services are designed with your goals in mind.

Secure your future through saving.

  • Start saving for as low as PHP 101 per payday.
  • Flexible savings plan of 3, 5, or 7 years.
  • 3% earnings from your savings per annum.

Earn more from your savings to reach your goals faster.

  • Start saving for as low as PHP 1,212, PHP 2,424, or PHP 3,636 per payday.
  • Fixed 5-year savings plan.
  • 5% per annum after 5 years upon
    completion of the plan.

Be on your way to owning a home!

  • Up to Php 20M loan amount per member for purchasing or home renovations
  • Fixed interest rates
  • Access to our partner developers and a wide range of brand-new homes OR the flexibility to choose your own property
  • Flexible payment terms with payment holidays in case of emergencies

Be prepared for any occasion.

  • Loan release within 24 hours of approval
  • Interest rate as low as 0.99%*
  • Flexible payment terms of 12, 18, or 24 months

Financial wellness through education

At HC Mutual, we go beyond offering financial products. We actively support employee education through orientations, digital resources, and direct assistance. Our goal is to ensure that every employee understands their benefits and makes informed financial decisions.

By working with employers and helping employees maximize these programs, we empower them to build a more secure, confident future. Together with our corporate partners, we are creating a workplace culture where financial wellness is within reach.

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