* Estimates only. Actual rates depend on membership standing.
Dial USSD *123#
M-Pesa PayBill Deposit Instructions
Member-owned financial solutions — from BOSA savings to affordable credit, digital banking, and utility payments.
BOSA share capital and FOSA deposit accounts designed to help members save consistently and earn dividends.
Affordable credit backed by your savings and guarantors — emergency, development, and asset financing available.
Own a stake in your SACCO through share capital and receive annual dividends on your investment.
Everything you need to manage your finances in one cooperative platform.
Build your share capital through compulsory back-office savings.
Flexible front-office savings with easy deposits and withdrawals.
Affordable credit backed by your savings and guarantors.
Earn returns on your share capital and annual dividends.
Deposit and transact conveniently via M-Pesa PayBill.
Manage accounts, transfers, and payments from anywhere.
Pay electricity, water, airtime, and other bills from your FOSA account via USSD or internet banking.
Grow your wealth through fixed deposits, treasury-linked products, and SACCO investment pools with competitive returns.
We're not a bank — we're a cooperative owned and governed by you. Every shilling deposited, every loan repaid, builds a stronger community.
Become a Member Learn More →Low, transparent interest rates on loans and high returns on savings — no hidden fees.
Emergency loans approved within 24 hours. Digital applications reviewed instantly.
Supervised by SASRA and compliant with all cooperative society regulations and reporting standards.
You vote, you decide. Annual General Meetings where every member has a say in our direction.
A member-owned SACCO committed to your financial wellbeing.
We are a member-owned Savings and Credit Cooperative (SACCO) committed to helping individuals and communities achieve financial security. Through BOSA and FOSA accounts, competitive loans, dividends, and digital banking, we put our members first.
To empower our members through accessible savings, affordable credit, and ethical financial services.
To be the leading member-owned financial cooperative, transforming lives through inclusive banking.
Integrity, transparency, member welfare, financial inclusion, and cooperative spirit drive every decision we make.
Four simple steps to financial empowerment as a SACCO member.
Become a member and open your BOSA and FOSA accounts.
Build your share capital through regular savings and deposits.
Access affordable loans backed by your savings and guarantors.
Earn dividends and grow your wealth as a member-owner.
Multiple channels so you can transact wherever, whenever — no branch visit required.
Deposit to your FOSA account, repay loans, and check balances directly via M-Pesa PayBill.
Access your accounts without internet. Check balance, transfer funds, and apply for mini-loans.
Full account management, loan applications, statements, guarantor requests, and more — online 24/7.
"The emergency loan process was incredibly fast. I applied online and had the funds in my account within 24 hours. This SACCO truly understands member needs."
"I've been saving here for 6 years. The annual dividends have been consistent, and the staff are always helpful. I recently got a development loan at a very fair rate."
"The member portal makes everything so convenient. I can check my balance, apply for a loan, and download my statement without visiting the branch."
Can't find an answer? Reach us during office hours and we'll be happy to help.
nonreply@company.comMon – Fri: 8:00 AM – 5:00 PM
Closed on weekends & public holidays
Marina Sacco
Sign in to your member portal to view balances, apply for loans, transfer funds, and more.