wow! we just recently opened an account with COL and still attending seminars to learn as a starter. I am still learning how it works. Its near in our place, the dividend depends of the income of the coop assets like grocery,water refilling stations, bakeries. They release it annually but so far I am happy with their interest rate with savings. I'll ask my husband how much is the rate, he's more into this kind of stuff than I am ahahah.