Membership
Join KCAU SACCO
Join a community that saves and grows together.
Who can join
Eligibility
Membership is open to individuals affiliated with KCA University — staff, students and alumni — as well as members of the community interested in financial growth.
- KCA University staff
- KCA University students
- KCA University alumni
- Members of the community
What you need to join
- Completed membership application form
- Copy of your National ID or passport
- Passport-size photograph
- KRA PIN certificate
- Latest payslip (for check-off) or proof of income
- Details of your nominee(s)/next of kin
- Registration fee and minimum share capital [Staff: insert current amounts]
Why join
Member benefits
Affordable credit
Loans from 1% per month on a reducing balance — up to 4× your deposits.
Annual returns
Earn interest on deposits and dividends on shares, declared at the AGM.
Fast access
Emergency, Saidika and Fanikisha loans for when you need cash quickly.
Referral bonus
Earn KES 1,000 for every member you refer who pays share capital.
You own it
Vote at the AGM and elect the leaders who run your SACCO.
Online access
Track your account through the secure Member Portal.
Saving discipline
Automatic monthly check-off makes saving effortless.
Karibu Loan
A welcome loan of up to KES 100,000 after 3 months of deposits.
Application process
How to join
- 1
Apply
Complete the online application or download the membership form below.
- 2
Verification
Our member services team contacts you within 2 working days to verify your details and documents.
- 3
Pay fees
Pay the registration fee and share capital via M-PESA Paybill 754614.
- 4
Welcome!
Receive your membership number and Member Portal access, then start saving monthly.