Savings & affordable credit, simplified
The Ammar SACCO member account has everything you need to save, borrow, and grow — member-owned and catering for growth since 2004.
0+
years of member growth — savings mobilized, credit advanced, dividends paid.
Banking with a SACCO that puts members first?
We believe growing your money should be just as easy and hassle-free.
About the SACCORegister for an Ammar SACCO account
Membership application with your ID and a passport photo
One BOSA share
Grow to 200 shares (KES 4,000) within six months of joining
Minimum balance — ordinary account
Unlimited daily access to funds via counter, ATM and mobile
BOSA loan interest
Up to three times your deposits, repayable in up to 36 months
Savings with more bang for your bob, shares & deposits.
Top up any account or repay a loan straight from your phone. An instant STK push, a confirmation SMS, and your balance is updated — no queues, no paperwork.
- Instant M-PESA STK push
- Every transaction receipted & tracked
- Works for deposits and loan repayments
Quick M-PESA deposit
*No bank details required — just your phone.
Our SACCO's ready to take your money further with member-first service
01For savers & families
Open an account in minutes and put every shilling to work — salary, ordinary, Toto and group accounts with no ledger fees.
- Attractive interest on all deposits
- Toto accounts for the little ones from KES 200
- Withdraw via counter, ATM and mobile banking
02For farmers
Mkulima and Mfugo loans designed around coffee, tea and dairy proceeds channeled through the SACCO.
- Repayments matched to your harvest cycle
- Competitive interest and convenient periods
- Quality dairy breeds financed up to 24 months
03For business & groups
Working capital that grows with you — business loans, LPO financing, group loans and asset financing.
- Loans granted through members’ co-guarantee
- LPO/LSO financing for suppliers and contractors
- Top-up provision after reasonable repayment
2004
Registered under the Co-operative Societies Act Cap 490 — rebranded to Ammar SACCO in 2019.
0+
Savings accounts with no ledger fees, from Toto accounts for children to church accounts.
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Credit facilities — BOSA, business, salary, group, development, asset and agricultural loans.
KES 20
The price of one BOSA share — ownership, dividends and a vote from day one.
12%
BOSA loan interest per annum on reducing balance, repayable in up to 36 months.
3×
Borrow up to three times your deposits, fully guaranteed by fellow members.
What every member can count on.
We cater for growth — mobilizing savings and advancing timely, quality and competitive financial services to uplift the social-economic status of our members.
Ammar SACCO Society Ltd
Mission — adopted by the members, for the members
Get every single answer from here
General questions
Who can join Ammar SACCO?
Is Ammar SACCO regulated?
Can I deposit and repay via M-PESA?
Membership & loans
How do I become a member?
How much can I borrow?
What interest do savings earn?
Proudly regulated, integrated and member-owned
Join our community of like-minded members focused on achieving financial independence.