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General (Jijenge) Savings Account
- Mandatory for all SACCO members.
- Minimum Monthly Contribution: Kes. 500/=.
- Contributions can be daily, weekly, or monthly via Mpesa (no cash transactions).
- Contributions can be daily, weekly, or monthly via Mpesa (no cash transactions).
- No partial withdrawal. Full withdrawal requires 60 days' notice.
- Forms the basis for loan eligibility (currently up to 3x savings).
- Can be used for loan guarantees.
- Earns annual interest as declared.
Levitical (Clergy) Account
- Specifically designed for clergy and church ministers.
- Supports personal financial needs, ministry development, and welfare.
- Monthly Contribution: Minimum Kes. 1,500/=.
- Allows access to special clergy loan products (e.g., vehicle purchase, home improvement, retirement preparation).
- Can be used to guarantee fellow clergy members.
- Terms align with other accounts regarding share capital, withdrawal, and inactivity reactivation.
Chama Account
- For registered investment or welfare groups.
- Monthly Contribution: Minimum Kes. 2,000/=.
- First Kes. 7,000/= is share capital (non-refundable).
- Clustered in groups of up to 6 members.
- Reactivation fee Kes. 1,500/= after 3 months of inactivity.
- Full withdrawal requires consent of all members.
- Eligible for loans after 6 months of saving and can guarantee members.
Makao Account
- For saving towards acquiring residential plots or houses.
- Registration Fee: Kes. 1,500/= (non-refundable).
- Monthly Contribution: Minimum Kes. 1,500/=.
- Forms part of a dedicated guarantor group.
- Separate bank account from other SACCO savings.
- Eligible for Makao loans only.
Church Account
- For registered churches.
- Monthly Contribution: Minimum Kes. 2,000/=.
- First Kes. 7,000/= is share capital (non-refundable).
- Reactivation fee Kes. 1,500/= after 3 months of inactivity.
- Withdrawal requires consent from all signatories.
- Eligible for loans after 6 months of saving. Can guarantee loans for others.
Joseph (Business) Account
- For registered businesses.
- Monthly Contribution: Minimum Kes. 1,000/=.
- First Kes. 7,000/= is share capital (non-refundable).
- Account reactivation fee of Kes. 1,500/= after 2 months of inactivity.
- Borrowing allowed after 6 months of saving.