OUR PRODUCTS & SERVICES   SAVINGS PRODUCTS  
  • Alpha Deposits – Monthly contributions a member pay towards the Sacco.
Individuals require a minimum of Ksh. 2,000 contribution per month; This can be used as either security to members loans or guarantee other members.  
  • Christmas Holiday Savings- A member may save a minimum of Ksh.1000 or more per
month towards holiday spending. The principal amount will be paid in the month of December while the interest will be paid after the declaration of the dividend. This can also be used as either security to members loans or guarantee other members.

  LOAN PRODUCTS  

  • Development Loan – Maximum Loan amount is 4,000,000 Ksh with a repayment
period of 48 months. months at an interest rate of 1% reducing the balance •  
  • Development Loan Refinance – processed as a top-up on development and normal loans @ 1% Reducing balance .
  • Normal Loan: Maximum loan amount of 5,000,000 Kshs with a repayment period of 60 months.   
  • Super Savers Loan: Facility available to members with deposits over 500,000ksh repayable within 60 months, with a maximum loan amount of 7,000,000 ksh.   
  • Motor Vehicle Loan: Enables members to purchase motor vehicles.
  • Emergency Loans :Processed immediately and Maximum loan amount of 500,000ksh with a repayment period of 18 months.   
  • School Fees Loans: Processed for payment of School Fees at a maximum loan amount of 500,000 ksh, repayment period 18 months   
  • Advance dividends: Members can borrow a percentage deposit at the beginning of the year which it shall be offset with the declared dividends by the month of April in that year.  
  • Pap Loan: Loan given to members with a maximum of 50,000 ksh repayable of 3 months, a one-off 5% is applicable on the loan •   
  • Merchandise Loan: Given to members to acquire household appliances from selected partners at an affordable rate.   
  • Salo Loan: This is given to members based on their net pay this at 1 time their net pay and interest rate is applicable.