Products & Services

Salary Advance

Min. Period: 2 MonthsMax. Period: 6 MonthsInterest Rate: 5% p/m slTarget Group-Loan Terms and Conditions: All Fosa Salaried…

Prestige Advances

Min. Period: 2 MonthsMax. Period: 10 MonthsInterest Rate: 5.5% p/m slTarget Group-Loan Terms and Conditions: All Fosa Salaried…

Pre-salary Salary Advance

Min. Period: 1 MonthMax. Period: 1 MonthInterest Rate: 10% pm slTarget Group-Loan Terms and Conditions: All Fosa Salaried…

Qwetu Express Loan

Min. Period: 6 MonthsMax. Period: 18 MonthsInterest Rate: 1.25% p/m slTarget Group-Loan Terms and Conditions: All Fosa Salaried…

Qwetu Express Plus

Min. Period: 6 MonthsMax. Period: 30 MonthsInterest Rate: 1.5% p/m slTarget Group-Loan Terms and Conditions: All Fosa Salaried…

Qwetu Plus Loan

Min. Period: 6 MonthsMax. Period: 48 MonthsInterest Rate: 2% p/m slTarget Group-Loan Terms and Conditions: All Fosa Salaried…

Qwetu Personal Loan

Min. Period: 6 MonthsMax. Period: 48 MonthsInterest Rate: 1.7% p/m slTarget Group-Loan Terms and Conditions: All Fosa Salaried…

Karibu Member Loan

Min. Period: 6 MonthsMax. Period: 72 MonthsInterest Rate: 1.25% p/m slTarget Group-Loan Terms and Conditions: Checkoff loan targets…

L27 Qwetu Smart Loan

Min. Period: 6 MonthsMax. Duration: 36 MonthsInterest Rate: 1% p/m rbTarget Group-Loan Terms and Conditions: Targets members who…

L26 Qwetu Super Loan

Min. Period: 6 MonthsMax. Duration: 72 MonthsInterest Rate: 1.25% p/m rbTarget Group-Loan Terms and Conditions: Targets members who…

L28 Qwetu Development Loan

Min. Period: 6 MonthsMax. Duration: 60 MonthsInterest Rate: 1.5% p/m rbTarget Group-Loan Terms and Conditions: Targets non-checkoff members…

Preferential Loan

Min. Period: 6 MonthsMax. Duration: 96 MonthsInterest Rate: 1% p/m rbTarget Group-Loan Terms and Conditions: Targets members who…

Qwetu Super Loan

Qwetu School Fees

Emergency Loan

Special Investment Fund - SPIF

Loan Protection Scheme LPS

Investment Products

Share Capital (Kshs.15, 000 plus 50/= monthly) Earns dividends annually Unit of ownership (100/= per share for a…

M-Qwetu Advance

Max. Duration: 1 MonthInterest Rate: 10% p.m.Other Features: Salaried members. Loan amount is Kshs 500 – 50,000 (subject…

M-Dividend Advance

Max. Duration: 4 MonthsInterest Rate: 10% one offOther Features: All shareholders. Loan amount is 50% of previous interest…

M-Salary Advance

Product features and Eligibility Member must be registered with our Mobile Banking Platform Product is accessible to ONLY…

Member Protection Scheme (MPS) & Risk Retirement Fund (RRF)

Requirements To qualify for the scheme, a member must: Be an active member of the SACCO. Contribute KES…

Retirement Savings Plan

A disciplined long-term savings product designed to support members after active employment. Features Available to employed or self-employed…

Qwetu Super Deposits

“Plan it. Fix it. Grow it.” Fixed Deposits are a simple way to earn better returns on your…

Fixed Deposits

“Lock in your money. Grow your returns.” Fixed Deposits offer secure savings with guaranteed interest over a fixed…

Toto wa Qwetu Account

“A child’s future is the wealth we nurture today.” Through the Toto Junior Account, we empower families to…

Qwetu Jibambe Account

“Save with purpose. Spend with confidence.” The Qwetu Jibambe Account helps you prepare financially for your important life…

Emergency Fund

“Life is unpredictable—your finances don’t have to be.” The Emergency Fund provides quick access to savings when you…

BOSA Savings

"Small steps. Big financial growth." Member Deposits make saving easy, consistent, and rewarding for every member. Tunakuza Utajiri…