Savings
Plan a goal, a time frame and an amount you can set aside.
- Ask which accounts are available and what is required.
- Confirm minimum balances, fees and withdrawal arrangements.
Loans
Understand how cost and repayment periods fit your circumstances.
- Ask about interest, additional charges and security.
- Request a repayment schedule and a contract to read.
Groups and savings circles
Shared goals, clear responsibilities and understandable records.
- Prepare information about group representatives and rules.
- Ask about opening and managing a group account.
Business and independent work
Plan working capital and the cash flow of your enterprise.
- Record income and costs across the business cycle.
- Ask which services and supporting documents apply.
Becoming a member
Understand your role, the requirements and how to begin.
- Ask about the membership share and joining fees.
- Confirm identification and other document requirements with the branch.
Everyday enquiries
Ask how to obtain documents or assistance with an account.
- Deposits, withdrawals and account statement enquiries.
- Updating information and confirming approved digital channels.
Before you decide
Know what repayment could look like.
Compare repayments with your monthly income. Take time to read the terms and ask about anything you do not understand.
Ask for the complete cost, including interest and every additional charge.
Your next chapter starts here.
Get the information you need before visiting the SACCO.