• Entrance fee of ksh 500/ only
  • Invest minimum shares of ksh 10,000/ within six months.
  • minimum monthly contribution of ksh1,000/
  • copy of I/D or passport.
  • Free passport photo taken on application


  • High rate of dividends/interest on deposits.(10% and 8.7%for 2016)
  • Affordable interest rate on loans
  • member welfare and education on financial matters
  • instill a savings culture for a brighter future
  • attending AGMs
  • Free deposits to account.
  • Earn interest on savings.
  • Purchase of Bankers cheques.
  • Parent account to Fixed deposit and Children accounts.
  • 24hr access to your money through SACCOLINK ATM card.
  • Mobile Banking.
  • Security of your money.
  • No account maintenance fees.
  • No hidden charges.
  • Minimal cash withdrawal fees
  • Access your money countrywide.
  • Loans awarded to active members.
  • Competitive interest rate.

For an individual to borrow loan from the SACCO the following will be considered:-

  • must be a class B member for atleast six months
  • Should be a regular saver.
  • The nature of business.
  • Qualification will be calculated through monthly average savings.
  • Maximum loan to be pegged at three(3) time deposits
  • Member to contribute 1% of the loan granted as contribution alongside loan repayment.
  • Loans attracts an interest of 1.21% per month on reducing balance.
  • period 12-48 months
  • Guarantors are other members of the SACCO.
  • Collateral guarantee also acceptable
  • guarantor ship within class-B members is also allowed
  • Insurance will be computed and deducted once from the loan at a rate of 0.75% on Principal loan.