Smart Savings. Affordable Credit. Secure Growth.
Savings Products
Smart Savings. Affordable Credit. Secure Growth.
Investment Products
Smart Savings. Affordable Credit. Secure Growth.
Credit Facilities
Join Ammar SACCO and experience financial services designed for your growth. Member-owned, trusted, and built for your future.
Serving members since 2004
Regulated under the Co-operative Societies Act
Member-owned institution
Why Members Trust Ammar SACCO
Regulated & Compliant Financial Institution
Fully licensed and supervised under the Co-operative Societies Act.
Transparent Governance & Accountability
Regular audits and member reporting ensure full transparency.
Secure Handling of Member Funds
Robust security measures and insurance protect your savings.
Member-First Decision Making
Democratic governance ensures members control the SACCO's direction.
Savings Products
Build your financial foundation with flexible and secure savings options.
Salary Account
- Competitive interest rates
- Easy salary channeling
- Free monthly statements
Ordinary Savings Account
- Flexible deposits & withdrawals
- No minimum balance required
- Earn dividends annually
Umoja Account
- Community-focused savings
- Group savings benefits
- Enhanced loan access
Investment Products
Grow your wealth with professionally managed investment opportunities.
SACCO Bosa Shares
- Annual dividends based on performance
- Voting rights in SACCO governance
- Enhanced loan eligibility
- Build long-term wealth
SACCO Fosa Shares
- Competitive interest rates
- Quarterly performance updates
- Flexible investment terms
- Support accessible financial services
Credit Facilities
Access affordable credit tailored to your personal or business needs.
Bosa Loans
- Based on share capital
- Competitive interest rates
- Flexible repayment terms
Business Loans
- Support business growth
- Quick approval process
- Tailored repayment plans
Mkulima Loans
- Agricultural financing
- Seasonal payment options
- Farm productivity support
Ready to Start Your Financial Journey?
Join Ammar SACCO today and take control of your savings, credit, and financial future.