Umoja Wetu SACCO Society Ltd turns steady monthly savings into real borrowing power — up to four times your deposits, at rates a bank cannot match. Everything visible from your phone, day or night.
From everyday savings you can touch any time to deposits that build your loan entitlement — pick the accounts that match your plans.
Everyday savings you can withdraw any time. Interest paid annually.
Non-withdrawable deposits that build your loan entitlement and earn interest on deposits.
Your ownership stake in the SACCO. Earns dividends and is refundable only on exit.
Benevolent fund covering bereavement and emergency assistance for members.
Lock away funds for December. Withdrawals need 30 days notice.
Targeted savings for school fees, withdrawable at the start of each term.
Interest is charged on the reducing balance for most products, so you only pay for what you still owe. No hidden charges — every fee is shown before you sign.
Borrow instantly from your phone and receive it on M-Pesa in minutes.
Bridge to payday. Cleared in full from your next salary, no guarantors needed.
Same-day relief for medical bills, funerals and urgent needs. Approved within 24 hours.
Termly school fees paid directly or to you, repayable over the term.
Working capital and stock financing for traders and small businesses.
Our flagship long-term loan for land, construction and major projects. Up to 3× your deposits.
Fill the form in three minutes. We verify and approve within two working days.
Entrance fee plus share capital gets you fully registered and voting.
Standing order, payroll check-off or M-Pesa paybill — whatever suits you.
After three months, borrow up to four times your deposits.
Following the resolution of the 2025 Annual General Meeting, we are pleased to confirm that dividends of 12% on share capital and 8% interest on deposits have been credited to member accounts.Log in …
Our new M-Pesa Instant Loan lets you borrow from KES 500 to KES 30,000 and receive it on M-Pesa in minutes — no guarantors, no paperwork.Interest: 7.5% per month, flatTerm: 1 to 3 monthsEligibility: …
The member portal and M-Pesa services will be unavailable on Sunday from 1:00 am to 4:00 am for scheduled maintenance. Branch services are unaffected.We apologise for the inconvenience.
Join 14 members already building something together. Apply online today — no branch visit needed.