Regular Saving

• Core savings; monthly/weekly; required for membership; earns small interest; also available interest-free options for women and disabled persons

Voluntary Savings

• Flexible savings; can withdraw anytime; earns interest if SACCO policy allows; interest-free options available for women and disabled persons

Fixed-term / Time Deposit Savings

• Deposits cannot be withdrawn until maturity; higher interest; encourages long-term savings

Interest-free Saving

• Core savings; monthly/weekly; required for membership; e interest-free options for muslim members.

Educational Accounts

• Can be used for education fees; deposits for children; interest may apply depending on policy; interest-free options for women and disabled persons

Shareholding / Equity Accounts

Children Accounts

• Child savings for education/future; parent-controlled; one account per child

Retirement / Pension Savings

• Helps members save for post-retirement; long-term and locked until retirement age

Woman Saving and Persons with Disability Savings

• Core savings; monthly/weekly; required for membership; earns small interest; also available interest-free options for women and disabled persons

Start Up & Business Expansions

• This catagory is mainly for new startups and or business expansions with primary focus area in Agro-Industries, Manufacturing, Tourism, Import exports, and Technology business.

Properties Loan

• Loan Services that reserved for Car, House, Re-Innovation etc.

Personal Loans

• Includes short-term or medium-term loans; repayment schedules tracked; interest applied

Emergency / Urgent Loans

• Quick disbursal for emergencies; repayment schedules tracked; interest applied

Special Purpose Loans

• Tailored to members’ needs; repayment tracked; interest applied

Financial Literacy Training

• Includes practical sessions on responsible borrowing and savings

Business Consultancy

• Helps improve business performance, manage finances, and grow revenue

Member Advisory Services

• Supports planning for loans, savings, and investments

E-Learning & Webinars

• Financial literacy, business skills, and SACCO updates

Digital Loan Applications

• Streamlined loan application process via mobile/web

Mobile Banking & Notifications

• Real-time updates on deposits, withdrawals, and loan repayments

Online Account Management

• Members can track accounts, balances, and transactions online