Savings
Normal Savings
Accumulate savings for personal development from as little as KES 1,500 a month, and unlock loans through the savings multiplier.
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Uaminifu means trustworthy. From the KWFT family to members countrywide — save, borrow, and own your SACCO.
Become a member
Loans secured by your normal savings and the guarantor system — decided fast, at member-friendly rates.
Check what you qualify for
Housing membership, project plots, and a diaspora window — walk the path to ownership with your SACCO.
Explore housing projectsSavings build your multiplier, financing puts it to work, and shares make you an owner who earns returns every year.
Accumulate savings for personal development from as little as KES 1,500 a month, and unlock loans through the savings multiplier.
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Build long-term savings that can be used as security for a Cash Cover Loan whenever you need one, without disturbing your balance.
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Accumulate savings that stay readily available on short notice, ideal for members who want flexibility alongside steady growth.
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Plan ahead and save toward your children's current and future school fees, with disciplined deposits that grow over time.
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Save steadily throughout the year for planned leisure and travel, so your holiday season never strains your budget.
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Invest your savings for a short, fixed term and earn a competitive guaranteed return on the full deposit amount.
Read more→Your savings decide your limit. Slide to see what your monthly deposit unlocks — then apply from the Member Centre or your FOSA office.
*Illustration at 1% per month reducing balance over 60 months. Actual terms per loan policy.
Housing membership is open to members and the diaspora. Every project below has its own gallery, pricing, and payment plan.
All delegates are invited. Date, venue, and the agenda pack will be posted here with a downloadable PDF.
Read more→Quarterly word from the CEO on growth, loan uptake, and what it means for members' returns.
Read more→Membership forms, loan application forms, guarantor forms, and the current tariff guide in one place.
Read more→Membership is open countrywide to KWH, KWFT and subsidiaries' staff. Start with your ID, the membership form, and your first KES 1,500.
