Representing a member’s permanent ownership stake, these non-withdrawable units are transferable instruments that earn annual dividends based on institutional profitability. Members must maintain a minimum threshold of KES 20,000, which can be achieved through lump-sum payments or structured periodic contributions.

These accumulated savings serve as essential collateral for credit facilities and earn competitive annual interest (rebates) for the duration of the membership. Funds are refundable only upon formal withdrawal from the Sacco, contingent on the full settlement of all outstanding liabilities and guarantee obligations

Features

• Maximum amount is 75% of net pay.
• Salary must be processed through FOSA account
• Members should produce latest pays lip.
• Loan is repaid within a month
• Sacco savings and other Sacco accounts serve as security.

Features

• Allows members living abroad to maintain an active Sacco savings account.
• Enables secure remittance of funds into the Sacco for savings or investment.
• Access to Sacco products and services remotely.
• Supports savings towards loans, investments, or family support in Kenya.
• Easy account monitoring through digital and mobile banking channels.

Features

• Encourages students to develop early financial discipline.
• No or minimal account maintenance charges.
• Easy deposits and withdrawals.
• Ideal for managing pocket money, allowances, and school-related expenses.
• Access to additional Sacco services once the account holder qualifies as a member.

Features

• Designed for registered or informal groups 
• Allows multiple authorized signatories to operate the account
• Facilitates group savings, contributions, and financial planning.
• Enables groups to build savings that can be used to access credit facilities.
• Convenient deposits and withdrawals 

This specialized product supports retirees whose pensions are processed through FOSA, offering credit within their existing deposit limits for medical or development needs. It features a preferential low interest rate of 0.5% on a reducing balance with a 36-month repayment cycle.

Features

• Granted within members’ deposit
• Repayment period up to 36 months
• For three times members’ deposit, one should provide guarantors or collateral
• Member’s pension must pass through FOSA
• Interest is 0.5% on reducing balance
• One can only have one loan at a time

A long-term financing solution for business expansion or development, providing up to four times member deposits with a tenure of up to 84 months. It features a 15% amortized interest rate and accepts diverse collateral, including logbooks and title deeds.

Features

• For new members contributing through check-off.
• Maximum loan is Kshs. 300,000/= and 10% retained as deposits
• Maximum repayment period is 12 months
• Interest rate is 1% per month on reducing balance
• Salary must be processed through FOSA

Features

• Available to Muslim members
• Two times members’ deposits
• Repayment period is 36 months
• No interest is charged on the loan
• Processing fee of 10% on the applied amount charged

This product targets medium-term projects and educational funding for consistent contributors of at least six months, offering up to three times their savings. It is fully secured by guarantors and deposits, with a 48-month repayment period at 1.17% monthly interest on a reducing balance.

Features

• Maximum repayment period is 36 months
• Three times member’s deposits
• Interest rate 1% on reducing balance

Features

• Maximum repayment period up to 48 months
• Four times member deposit.
• Interest rate 1.17% on reducing balance

Features

• Granted at maximum 3 times member’s deposit
• Maximum amount is subject to ability to pay
• Maximum repayment period 12 is months
• Interest rate 1% on reducing balance