YourFinancialFuture,Secured.
Unga Sacco is an open-bond cooperative with KSh 243M in assets. Our products, flexible loans, and a community built on trust.
Regulated By
SASRA
Bond Type
Open
Est.
1976
Celebrating
50
Years of
Excellence
Est. 1976 — 2026
By the Numbers
Built on trust. Backed by strength.
0+
Years of Service
Since 1976
0%
Interest From
Per month, reducing balance
KSh 0M
Loans Up To
Fast approval
Recognition
Awarded for outstanding performance
Recent trophies and commendations from the Co-operative Alliance of Kenya and Ushirika Day celebrations.
SASRA Regulated
Nationally recognised standing
Latest AwardEfficiency & Capitalization · CAK
Ushirika Day 2024 Pair
National Council · Ushirika Day 2024
Twin CAK Awards
Ushirika Day 2024 · Employer Based (Small)
3rd Most Efficient
International Co-operative Day 2026
2nd Best Capitalization
Co-operative Alliance of Kenya
CAK Recognition
Members and leadership
Celebrating Excellence
Our Products
Grow your wealth, your way
From share capital that earns dividends to goal-based accounts — every product is designed to build a better financial future.
Credit Facilities
Affordable loans for every need
From emergency relief to long-term development — with interest rates starting at 1% per month on reducing balance.
Membership
Join in 4 simple steps
Unga Sacco is open to everyone — employees, business owners, self-employed individuals, and members of the public.
KSh 1,000
Joining Fee
KSh 20,000
Share Capital
KSh 1,000
Min. Monthly
Pay Registration Fee & Contributions
Pay via M-Pesa Paybill 400200, account 01120000604800. Use your ID/Member number as reference. Registration fee KSh 1,000.
Complete Application Form
Fill the membership application online or collect a hardcopy from our office.
Attach Required Documents
ID/Passport, KRA PIN certificate, and passport photo where applicable.
Submit & Activate
Submit your form with payment proof. Begin monthly contributions of KSh 1,000 and build share capital.
FAQ
Common questions, answered
Quick answers to what members ask most. Visit our full FAQ page for loans, savings, and membership details.
Unga SACCO is open to everyone. Membership is available to employees, business owners, self-employed individuals, members of the public, and employees of outsourced companies. Everyone is welcome to join and enjoy our savings and credit services.
Ready to Start?
Your savings journey
starts today
Join thousands of members growing their wealth with Unga Sacco. Open membership, transparent terms, and a community that puts you first.