a) Savings (ordinary shares)

Shares earned as members deposits: this high risk free facility is currently the most popular savings facility in the Sacco. It has the following features:

• It gives members a high return investment channel. In 2016, the interest paid out was 9%; it is an excellent account for long term savings.Dividend on share capital was paid at 5% .
• You can save as much as you can (Minimum contribution Kshs. 2,000.00). The more you save the more interest you earn.
• One can adjust the monthly savings as and when is necessary.
• Savings are used as collateral for loans.

b) Christmas Package Scheme

The scheme has the following features:

• Membership fees Kshs. 1,000.00
• You can save as much as you can (Minimum contribution Kshs. 1,000.00)
• Total savings contributed for twelve months earn an interest of 4%

c) Education Savings Scheme

The scheme has the following features:

• Membership fees Kshs. 1,000.00
• You can save as much as you can (Minimum contribution Kshs. 1,000.00)
• Total savings contributed for twelve months earn an interest of 4%

d) Benevolent and burial fund

The scheme has the following features:

• No membership fees
• Monthly contribution Kshs. 500.00

Benefits:

• Contributor - Kshs. 60,000.00
• Spouse - Kshs. 50,000.00
• Children - Kshs. 40,000.00
• Parents and In-laws - Kshs. 30,000.00