Ordinary Savings Account
Minimum monthly contribution: KES 1,000.
Favourable interest.
Withdraw anytime (terms apply).
Eligible for loans up to 3× savings.
Secure and faith-driven savings platform.
JUMBO JUNIOR ACCOUNT
Secure the future of your children (ages 0-17). Regsitration fee: Ksh 1,000. Minimum monthly deposit: Ksh 500. Favourable interest rate. Operated by parent/guardian. Auto-converts to Youth Account at 18.
Eligible for awards and gifts
Fixed Deposit Account
Minimum deposit: KES 10,000.
Fixed periods: 3–12 months
Higher interest than ordinary savings.
Guaranteed returns.
Safe & stable investment option.
Higher interest than regular savings .
Can be used as collateral for loan
Holiday Savings Account
Registration Fee: Ksh 1,000. Monthly Deposit: Flexible. Save throughout the year for holidays or annual church events
Withdrawals allowed once or twice a year
No ATM access – encourages discipline
Education Savings Account
Tailored for school fees (children, dependents, or self)
Regsitration Fee: Ksh 1,000. Monthly Deposit: Ksh 1,000. Minimum shares: Ksh 5,000
Linkable to an education loan.
Church Development Savings
Targeted for churches saving towards land, building, or ministry equipment.
Group savings permitted (church project accounts).
Flexible monthly contributions.
Attracts higher dividend rates. Initial deposit: Ksh 5,000. One-time registration fee: Ksh 3,000 Share Capital: Ksh 10,000
SME BIASHARA ACCOUNT
Supports entrepreneurs and corporate members. Minimum shares: Ksh 10,000. Registration fee: Ksh 2,000. Monthly savings: Ksh 5,000. Access to business loans, assest financing, and salary advances. Business advisory & training
GROUP (CHAMA) SAVINGS ACCOUNT
Targets investment and welfare groups
At least 10 members
Registration fee: Ksh 2,000. Minimum shares: Ksh 7,000. Monthly deposit: Ksh 5,000. Loan access up to 3 times group savings.
Normal / Development Loan
Purpose: Land purchase, home construction, education, projects
Multiplier: 3x member’s savings
Repayment: Up to 36 months
Emergency Loan
For urgent medical, funeral, or personal crisis
Processing time: 24–48 hours.
Repayment: Up to 6 months
Education Loan
Fast-tracked during back-to-school seasons
Limit: 2 times savings.
Can be paid directly to schools
Repayment: Up to 12 months
Instant Loan (Mobile Loan)
Access via mobile phone (USSD/SACCO app)
Limit based on savings and loan history
Quick approval, disbursed instantly
Church Project Loan
For churches building sanctuaries, buying instruments, land, or vehicles
Structured for group repayment
May require guarantors or collateral
Salary Advance Loan
Available to salaried clergy, staff or SME owners.
Repayment within 1–3 months. Disbursed within 24 hours.
Requires proof of income (church/employer Payslip)
Top-Up Loan
Allows an existing borrower to take an additional loan without clearing current one
Process involves restructuring of loan balance
Motorbike loan
Empowering mobility for business and ministry. 30% member deposit, 70% financed by SACCO. Repayment up to 36 months.
Motorbike Tyre Loan
Deposit Ksh 1,000 only. Ksh 100 daily repayment for 2 months. Quick approval within 24 hours. Simple and reliable.
Water Tank Loan
Help members access quality water storage solutions. Repayment: 1-48 months. Affordable interest. Promoters water security. Tank options: 3,000L:-Ksh 19,800 5,000L:- Ksh 31,800. 10,000L: Ksh 60,000
Business Loan
Startup or business expansion. Repayment: 24 months. Requires basic business plan. Limit: up to 3 times savings.
Land & Property Product
Verifies sellers. Loan term up to 60 months. SACCO does due diligence and title processing.
Land & Property Ownership Made Easy—Partnering with Tukio Realtors and Koinonia SACCO
TUKIO REALTORS LIMITED
Empowering your journey to property ownership; discover secure, affordable land and homes with Tukio Realtors, financed by Koinonia SACCO. Your future starts here.
