Ordinary Savings
Everyday savings you can withdraw any time. Interest paid annually.
5%interest p.a.
KSh 100minimum deposit
Anytimewithdrawals
KSh 500minimum balance
Products
Everything you need to save and borrow well
Transparent rates, clear requirements and no surprises. Compare every product below, then apply from the member portal.
Savings & shares
Put every shilling to work
Deposits build your borrowing power and earn interest; share capital makes you an owner and earns dividends.
BOSA Deposits
Non-withdrawable deposits that build your loan entitlement and earn interest on deposits.
7.5%interest p.a.
KSh 500minimum deposit
Lockedwithdrawals
KSh 2Kmonthly target
Share Capital
Your ownership stake in the SACCO. Earns dividends and is refundable only on exit.
Dividendsearnings
KSh 500minimum deposit
Lockedwithdrawals
KSh 5Kminimum balance
Fixed Deposit
Lock a lump sum for 3–24 months at a premium rate.
10%interest p.a.
KSh 10Kminimum deposit
Lockedwithdrawals
KSh 10Kminimum balance
Education Fund
Targeted savings for school fees, withdrawable at the start of each term.
6%interest p.a.
KSh 500minimum deposit
14 dayswithdrawals
KSh 1Kmonthly target
Holiday Savings
Lock away funds for December. Withdrawals need 30 days notice.
4%interest p.a.
KSh 200minimum deposit
30 dayswithdrawals
Noneminimum balance
Welfare Fund
Benevolent fund covering bereavement and emergency assistance for members.
—earnings
KSh 200minimum deposit
Lockedwithdrawals
KSh 200monthly target
Junior Saver
For members under 18, operated by a parent or guardian.
6.5%interest p.a.
KSh 100minimum deposit
30 dayswithdrawals
KSh 500monthly target
Loans
Credit designed for real life
Borrow against your deposits with the support of fellow members. Every charge is shown up front.
Emergency Loan
Same-day relief for medical bills, funerals and urgent needs. Approved within 24 hours.
12% p.a.reducing balance
KSh 5K–150Kloan amount
1–12 morepayment period
2×deposits
1%processing fee
1+guarantors
School Fees Loan
Termly school fees paid directly or to you, repayable over the term.
12% p.a.flat rate
KSh 5K–500Kloan amount
1–12 morepayment period
3×deposits
1.5%processing fee
1+guarantors
Biashara Loan
Working capital and stock financing for traders and small businesses.
18% p.a.reducing balance
KSh 10K–1.5Mloan amount
3–36 morepayment period
3×deposits
2.5% + 500processing fee
2+guarantors
Development Loan
Our flagship long-term loan for land, construction and major projects. Up to 3× your deposits.
14% p.a.reducing balance
KSh 20K–3Mloan amount
6–48 morepayment period
3×deposits
2%processing fee
2+guarantors
Refinance / Top-up
Consolidate or top up a performing loan without starting the wait again.
13% p.a.reducing balance
KSh 20K–2Mloan amount
6–36 morepayment period
3×deposits
1.5%processing fee
2+guarantors
Asset Financing
Vehicles, machinery and equipment, secured by the asset itself plus a logbook charge.
15% p.a.reducing balance
KSh 50K–5Mloan amount
12–60 morepayment period
4×deposits
2% + 1Kprocessing fee
2+guarantors
M-Pesa Instant Loan
Borrow instantly from your phone and receive it on M-Pesa in minutes.
7.5% p.m.flat rate
KSh 500–30Kloan amount
1–3 morepayment period
1×deposits
3%processing fee
Noneguarantors
Salary Advance
Bridge to payday. Cleared in full from your next salary, no guarantors needed.
10% p.m.flat rate
KSh 2K–100Kloan amount
1–3 morepayment period
1×deposits
2.5%processing fee
Noneguarantors
Borrowing, explained
What every borrower should know
Deposits set your limit
Most loans are capped at a multiple of your non-withdrawable deposits. Saving consistently is the fastest way to borrow more.
Guarantors share the risk
Fellow members pledge part of their deposits for the amount above your own. You repay on time; their pledge is released.
Know the interest method
Reducing-balance interest is charged only on what you still owe; flat-rate interest is charged on the original amount throughout.
Repay on time
Late instalments attract penalties after a short grace period and affect your ability to borrow again.