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Savings Rates

Earn attractive returns on your savings

Regular Savings

7.5%

per annum

  • Minimum balance: KES 1,000
  • Compounded monthly
  • Withdrawals allowed
  • No fixed term

Fixed Deposits

9.5%

per annum

  • Minimum deposit: KES 50,000
  • 3-12 month terms
  • Higher rates for longer terms
  • Early withdrawal penalty

Target Savings

8.25%

per annum

  • Minimum monthly deposit: KES 5,000
  • 6-36 month plans
  • Bonus on maturity
  • Goal-oriented savings

Junior Savers

8.0%

per annum

  • For children under 18
  • Minimum opening: KES 500
  • No monthly fees
  • Financial literacy program

Rates are subject to change. Last updated: April 2026

Learn More About Savings

Loan Rates

Affordable financing options for all your needs

Loan Product Interest Rate (p.a.) Maximum Amount Repayment Period Security
Development Loan 12.5% 3x Savings Up to 60 months Savings & Guarantors
Emergency Loan 14.0% KES 500,000 Up to 12 months Salary/Payroll
School Fees Loan 11.5% KES 300,000 Up to 12 months Savings
Asset Financing 10.5% KES 5,000,000 Up to 84 months Asset & Guarantors
Important Notes:
  • All loans attract a one-time processing fee of 2% of the loan amount
  • Loan insurance is mandatory at 1% of the loan amount
  • Members must have saved for at least 3 months to qualify
  • Actual loan amount depends on your savings history and credit score

Fees & Charges

Transparent pricing with no hidden costs

Account Opening Fee

One-time charge for new members

KES 500
Monthly Membership Fee

For maintaining your membership

KES 100
Share Capital

Minimum investment (refundable)

KES 5,000
Withdrawal Fee

Per withdrawal transaction

KES 50
ATM Card Issuance

One-time charge for new card

KES 300
Cheque Book

50-leaf cheque book

KES 1,000
SMS Alerts

Monthly subscription

KES 30
Loan Processing Fee

Percentage of loan amount

2%
Loan Insurance

Percentage of loan amount

1%
Late Payment Penalty

Per month on overdue amount

5%
Please Note:
  • All fees are subject to change with prior notice to members
  • Some services may attract additional government taxes
  • Corporate accounts have different fee structures

Loan Calculator

Estimate your loan repayments with our easy-to-use calculator. Adjust the parameters to see how different loan amounts and terms affect your monthly payments.

Tips for Better Rates:
  • Maintain a good savings history
  • Keep your account active
  • Ensure timely repayments
Your Loan Estimate:
Monthly Payment: KES 0.00
Total Payment: KES 0.00
Total Interest: KES 0.00
Apply Now

Have Questions About Our Rates?

Our team is ready to clarify any details about our products and pricing