Employee's credit co-operative society (ECCS) is a form of co-operative wherein the resources are generated within the society by way of collecting thrift, share capital and other savings schemes, unlike other credit organizations where they massively depend upon external financial institution for smooth functioning of their credit business actions. ECCS aims to assemble savings and help its members to obtain credit concerns and to prepare finance schemes for enrichment of financial position of members. It is govern by laws. Its financial activities are same as banks. ECCS accumulate deposit from member in many ways like fixed deposit (FD), recurring deposit (RD), savings account, insurance schemes, member shares etc. The needy members of these societies can take money as loan. Normally interest rate on loan is higher than given on deposit which is the profit of the society. These societies's profit margin is very low because their purpose is not to earn profit but it is for the interest of its members. ECCS is registered at district level under district register office of state government.