The purpose of this study was to study 1) opinions and needs of cooperative saving members towards the existing welfare services and their additional needs 2) to compare the opinions of members of the savings cooperative on the welfare services received and 3) to compare the demand for additional welfare services of the saving cooperative members. The personal factors were classified and a questionnaire was used as a tool to collect data. The data analysis statistics included percentage mean and standard deviation. The hypothesis was tested using t-test and one-way ANOVA was applied. The Scheffe pair test was used if the statistical significance was found at 0.05. The research disclosed that the majority of respondents were married males between the ages of 51-60 years old whose educational level was lower than the bachelor’s degree. They mostly worked as government employees with more than 10 years of service and earned monthly income of 20001-25000 Baht. Their existing welfare services are capital stocks followed by ordinary and emergency loans respectively. Different opinions in the comparative analysis were found among the individual factors of welfare services in terms of their gender age status and education. However they were similar in terms of the type of employment service term and monthly regarding to the welfare services received. As for the comparative analysis of individual factors it was revealed that there were different needs for welfare services because the members with different education levels required distinctive welfare services at the statistical significance of 0.05. However ง the personal factors including gender age status type of employment service term and monthly income were similar concerning their needs for additional welfare services.