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To become a member one needs to fill in this membership application form, or at the Headquarters and every Society branch countrywide including the FOSA’s. Admission is done once the members pay a one-off fee of KShs. 1000 (one thousand) and buys a minimum of 1,000 shares of KShs. 20 each. A membership card is issued to all its members.

The society uses the check off system for payment of members’ shares and loans.

Minimum share contribution is Ksh. 5,000.

The members are also at liberty to withdraw from the society as and when they wish to. The withdrawal can be due to death, willful resignation, or retirement.

Membership Benefits

•    Sacco interest rates on both savings and loans are generally better than those offered by commercial banks.

•    Members get educated in financial matters by teaching prudent handling, budgeting and keep track of money.

•    Savings provide security for future financial needs.

•    Savings accumulates funds for use now and after retirement.

•    High savings will qualify for higher loans.

•    High savings need less guarantors.

•    High savings will result in high dividends.

•    High savings will strengthen the society’s lending capacity.

•    Savings will act as an insurance in case of death whereby the nominee is paid twice the accumulated shares and outstanding loans written off.

•    High savings guarantees a member a comfortable retirement.