If you are a civil servant, then you certainly know one of the best banks, CASDEN, which is part of the Banque Populaire. This bank is intended exclusively for public officials! With CASDEN and as a civil servant, you have the possibility of become a member. How it works ? What are the benefits of the whole public service cooperative bank? This is what we propose to reveal to you through the article of the day!
What is CASDEN and who is it for?
You should know that originally the CASDEN (Caisse d'Aide Sociale de l'Education National) was created by professors (teachers) in 1951, it belongs to all the popular banks of France, but also to the BPCE group.
Today, CASDEN is not only a bank in its own right, but also a partner with the Banque Populaire, which means that as a public official and if you join CASDEN, you automatically become a member and therefore have the chance to benefit from several advantages!
In general, theCASDEN members work in the public sector or service, such as:
- the Ministry of National Education;
- public educational institutions;
- educational associations;
- civil servants linked to the Banque Populaire;
- officials in hospitals.
CASDEN is based based on values, said to be common to all public employees, it involves the needs and expectations of all members and undertakes to meet them. Its values are essentially based on:
- solidarity: CASDEN encourages its members to save money above all, the goal is to enable them to finance projects at the best rate;
- equity: this includes that savings are made according to each person's pace;
- trust: CASDEN does not require its members to provide a loan guarantee;
- the sense of local service;
- and the cooperative spirit.
It is not for nothing that CASDEN is considered one of the best banks for civil servants and members.
How to become a member of CASDEN?
Related to join the CASDEN, nothing's easier ! You just need to provide the following supporting documents:
- your identity document;
- your last payslip;
- a certificate of residence of less than 3 months.
As you will have noticed, it is easy tojoin the CASDEN and from the first day, you will enjoy many very advantageous services from CASDEN Banque Populaire. Of course, you will have to go to the Banque Populaire branch in your region or you always have the option of going to your CASDEN departmental delegation.
Also know that CASDEN is affiliated to L'ESPPER, which is the association of the social economy partner of the school of the republic. Thus, the members become members or rather full co-owners of CASDEN. CASDEN members also have their say at general meetings.
The benefits of being a CASDEN member
As a member of CASDEN, the latter offers you many advantages, especially in the long term. It is essentially based on savings, it is precisely thanks to your savings that you can easily finance your projects!
By saving money and at your own pace, you will:
- collect CASDEN points, these famous points will contribute to effectively and considerably reducing your loan rate;
- being a CASDEN member and a client of the Banque Populaire, which represents many advantages, in particular the local service, i.e. you will carry out several transactions in a single and unique counter, the CASDEN bank and the Banque Popular ;
- take advantage of the CASDEN guarantee in the event that you have agreed to a loan from the Banque Populaire.
As you can see, as a member of CASDEN, the more you save, the more your borrowing rate is constantly decreasing. Also note that the accumulated points will be calculated each month.
Finally, you should know that CASDEN insurance is much less expensive than a group contract in a traditional bank, it is better, in this case, to subscribe directly to CASDEN death, work stoppage and disability insurance.
