Membership is derived from share contributions. A member contributes a minimum of K2,000 every month.

Members contribute a minimum of K2,000 every month. Interest on member savings is 3% per annum. Interest is earned monthly. Member Savings are withdrawable at any time.

Fixed deposit: Members can opt to invest in Fixed Deposit Account. Minimum deposit is K15,000. Interest rate is 7.5% per annum and maturity period is 3, 6 and 12 months. A member can increase his/her savings in the course of the stipulated period. There are no charges attached.

School Fees Account: Members can invest in readiness for school fees. Minimum deposit is K10,000. Interest rate is 7% per annum and maturity period is 3, 6 and 12 months. A member can increase his/her savings in the course of stipulated period. There are no charges attached.

Holiday Account: Members can plan for holiday by saving in advance for the trip.Minimum deposit is K10,000. Interest rate is 7% per annum and maturity period is 3, 6 and 12 months. A member can increase his/her savings in the course of stipulated period. There are no charges attached

The product is aimed at offering skills in budgeting, investing, borrowing and personal financial management. The ability to use knowledge and skills to manage personal financial resource effectively for life time. It enables financial decision, effective management of money and debt.
A member has to know the lending rate before borrowing, charges, fees and penalties attached to the loan.
Loan management is beneficial to a member, he / she has to borrow for a purpose not consumption, something that can bring a return.
Personal credit worthiness, capacity to repay within the stipulated period.