Compulsory saving
Monthly saving required of every member - the base for your loan limit.
- Earns interest monthly
- Counts towards 3x loan limit
- Dividend eligible
Products and services
Savings, loans, interest-free finance and shares for every stage of life.
Voluntary saving
Save any amount and withdraw when you need it.
- No minimum balance
- Withdraw at any branch
- SMS alerts on every transaction
Children's education saving
Plan school fees with a goal-based savings account.
- Fixed monthly goal
- Bonus at maturity
Business loan
Working capital for traders and micro-enterprises.
- Up to 3x your savings
- Up to 36 months
- Guarantor-based
Housing loan
Build, buy or renovate your home.
- Up to 10 years
- Collateral required
Agricultural loan
Seasonal finance for inputs, livestock and equipment.
- Harvest-aligned repayments
Wadiah savings
Safe-keeping deposit with no interest - Sharia-compliant.
- Separate interest-free fund
- Approved by Sharia board
Murabaha financing
The SACCO buys the asset and sells it to you at a disclosed cost-plus price.
- Asset purchased from supplier
- No interest, no penalties compounding
Membership shares
Own a part of your SACCO and earn annual dividends.
- Vote at the General Assembly
- Patronage refund