Unaitas Sacco Membership Guide

Unaitas Sacco: A Leading Financial Cooperative in Kenya

Established in 1993 and licensed by SASRA, Unaitas Sacco has grown to become one of Kenya’s most innovative financial cooperatives. With an impressive asset base of KSh 20.4 billion, it serves as a reliable financial partner for thousands of Kenyans.

As a pioneer in the sector, Unaitas was:

The first Sacco to automate its operations
Among the first to adopt an open membership policy
A leader in implementing transformative financial solutions

Membership Eligibility & Requirements

Who Can Join?

Kenyan citizens aged 18+
Individuals of sound mind
Both salaried and self-employed professionals

Documentation Needed

National ID or valid passport
KRA PIN certificate copy
Passport photo (can be taken free at any branch)
Minimum share capital: 10 shares at KSh 10 each

Comprehensive Product Offerings

Loan Products

Business Financing: Biashara loan, Import duty financing
Personal Loans: Mshahara loan, Personal loans
Specialty Loans:
- Mortgage loans
- Project financing
- Asset finance
- Insurance premium financing
Short-term Solutions:
- Payroll advance
- Jivunie emergency loan

Savings Products

Special Accounts:
- Jolly Junior (children’s savings)
- Chama account (group savings)
- Timiza savings
Investment Options:
- Fixed deposits
- Investment shares
Institutional Accounts:
- School accounts
- Church accounts
- Company accounts

Why Choose Unaitas Sacco?

Tailored Financial Solutions
- Products designed for diverse financial needs
- Competitive loan terms and savings returns
Exceptional Member Experience
- Streamlined digital services
- Responsive customer support
Convenient Access
- Multiple branches nationwide
- Alternative banking channels
Financial Advisory Services
- Business planning support
- Investment guidance