Normal Loan
Our core development loan for big personal goals.
- Interest
- 1% per month on reducing balance
- Limit
- Up to 4× your deposits, max KES 5,000,000
- Repay in
- Up to 48 months
KCA University Savings & Credit Co-operative
Unleash Your Financial Potential With Us
A member-owned Savings and Credit Co-operative for the KCA University community — affordable loans from 1% per month, rewarding savings and dividends every year.
- Loans from 1% p.m. on reducing balance
- Borrow up to 4× your deposits
- 7% p.a. on Fixed Savings
1%per month interest on most loans, reducing balance
4×your deposits — your loan entitlement
24 hrsdisbursement on Saidika & Fanikisha after approval
7% p.a.on the Fixed Savings Account
Who we are
Who we are
KCAU SACCO is a member-owned Savings and Credit Co-operative serving KCA University staff, students, alumni and members of the wider community. We help members build savings, access affordable credit and grow together — safely and transparently.
- Security & reliabilityYour savings and transactions are safe with us.
- Trust & transparencyWe operate with integrity and report openly to members.
- Flexibility & easeServices designed around your financial needs.
Join in 3 simple steps
- 1Apply online
Fill the membership form or download it from Downloads.
- 2Pay registration & share capital
Via M-PESA Paybill 754614 once we confirm your membership number.
- 3Save monthly & borrow
Start saving and access loans of up to 4× your deposits.
Loans
Affordable loans for every need
Clear terms, fast processing and interest on a reducing balance.
Emergency Loan
Help when the unexpected happens.
- Interest
- 1% per month on reducing balance
- Limit
- Within entitlement (4× your deposits)
- Repay in
- Up to 18 months
School Fees Loan
Keep education on track, paid directly to the school.
- Interest
- 1% per month on reducing balance
- Limit
- Up to 4× your deposits, max KES 350,000
- Repay in
- 12 months
Log Book Loan
Finance a car or unlock value in your vehicle.
- Interest
- 1.5% per month on reducing balance
- Limit
- KES 1,000,000 or 4× deposits, whichever is lower
- Repay in
- Up to 48 months
Saidika Loan
No guarantors — just your payslip.
- Interest
- 2% per month
- Limit
- Up to 4× your deposits, max KES 50,000
- Repay in
- 4 months
Savings
Save with us and watch it grow
Member Deposit Account
Save every month, borrow up to 4× and earn annual returns.
- Returns
- Annual interest/dividend declared at the AGM
- Amount
- No upper limit
- Period
- Ongoing, monthly contributions
Fixed Savings Account
Earn 7% p.a. on a disciplined savings plan.
- Returns
- 7% per annum
- Amount
- Minimum KES 1,000 per month
- Period
- Minimum 6 months
Member Portal
Your SACCO account, online 24/7
Check balances, download statements and track your loans from your phone or computer.
News & Events
Latest from KCAU SACCO
Welcome to our new website
Find products, apply for membership online, download forms and reach the Member Portal faster.
Grow your savings at 7% p.a. with the Fixed Savings Account
Save from KES 1,000 a month for 6 months or more and earn 7% per annum.
Referral bonus: earn KES 1,000 for every new member
Introduce a friend or colleague to KCAU SACCO and earn KES 1,000 once they pay their share capital.
Downloads
Forms, policies & reports in one place
Membership and loan forms, by-laws, credit policy, annual reports, notices and tenders.
Browse downloads