Intended to help members in improving their economic activities and social being.  Repayable within a maximum period of 60 months (5 years) at 1% interest per month on reducing balance. Approved once per month by the Credit Committee. Disbursed on a first come first served basis.

Repayable within a maximum period of 84 months (7 years) at 1.29% interest per month on reducing balance. A multiplier of four (4) times a member's deposit is used subject to 2/3 of gross salary. The loan can be bridged (top-up) or used for amalgamating other loans. Approved once per month by the Credit Committee. Disbursed on a first come first served basis.

Repayable within a maximum  period of 72 months (6 years) at 1.25% interest per month on reducing balance.  The loan can be refinanced anytime or used to amalgamate other loans. Approved once per month by the Credit Committee. Disbursed on a first come first served basis.

Repayable within a maximum  period of 84 months (7 years) at 1.05% interest per month on reducing balance. Loan is guaranteed through commercial land/building, residential property or agricultural land title deed. Search is conducted on the property being offered as security, valuation of asset is done and then the asset is charged. All charges are paid by the member. Amount granted will be based on the 2/3rd of salary and 70% or 50% of the mortgage value of commercial land/building, residential property or agricultural land respectively. Disbursed on a first come first served basis.

Repayable within a maximum  period of 120 months (10 years) at 1.29% interest per month on reducing balance. The loan is used for amalgamating/rescheduling existing loan(s) at no cost. A member will not take home any cash (zero net after amalgmation). Disbursed on a first come first served basis.

Repayable within a maximum period of 24 months (2 years) at 1% interest per month on reducing balance. Applications must include fees structures. Granted on demand.

Repayable within a maximum of 12 months (1 year) at 1% interest per month on reducing balance. 

Repayable within a maximum period of 24 months (2 years) at 1.17% interest per month on reducing balance. Has no maximum limit.

Repayable within a maximum period of 36 months (3 years) at 1.21% interest per month on reducing balance. Has no maximum limit.

Maximum loan amount is Kshs. 500,000/=. Repayable within a maximum period of 12 months (1 year) at a flat rate interest of 12% on the amount loaned.

Maximum amount for the product is Ksh. 350,000. The maximum repayment period is 12 months. Interest is payable on a flat rate of 12% on the amount loaned.

Maximum amount for the product is Ksh. 150,000. The maximum repayment period is 4 months. Interest is payable on a flat rate of 10% on the amount loaned. Network charges are borne by the applicant. Product can be accessed via Xmobi Customer app (available on Google play store) and/or by dialing *882#. Payment is done via m-pesa. A member must have his/her phone number registered first in the SACCO system.

Eligible for new members who are less than 6 months old in the SACCO - members must have saved for at least 2 months.
Repayable within a maximum of 10 months at 10% flat rate interest.
Maximum entitlement is Ksh. 50,000. The loan must be guaranteed.

Repayable within a maximum period of 36 months (3 years) at 1.29% interest per month on reducing balance. Maximum amount is Ksh. 3,000,000.
Security for the loan is 70% of the forced valuation value of the vehicle which MUST have a maximum age of 8 years.