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Fosa Personal Loans:

For members who channel their salary through the FOSA .Repayment period is 60 months with an interest of 1.5% per month on reducing balance. A minimum of Ksh 2500 must be left in the account after deductions.Top-up commission of 5% is charged.

Senior Citizen Loan :

  • This is a product for retired society members who process their pension through the FOSA or place an irrevocable standing order with the bank.
  • Security for the loan is title deed for commercial property or fully guaranteed by members in check off system. Deposit multiplier three times the deposit. Interest rate 1% per month ,repayment period 48 months.


  • Applicable to Sacco Members only.
  • A duly completed loans application form.
  • Business assessment report by a credit officer.

Asset Financing

The purpose of the product is to finance acquisition of property including Land, Buildings, private Motor Vehicles etc.


  • Interest charged will be 1.5% per month on reducing balance
  • Security is the asset to be purchased. It is owned by the sacco and the member jointly through an agreement.
  • Repayment period is 5 years.
  • Sacco to finance up to 80% of the value.
  • Maximum loan is Kshs. 3,000,000.

Burial Benevolent Fund

This is a risk management fund. The society members are the fund members. They contribute Ksh. 200 per month. The fund covers premiums for Loan Guard Insurance Policy with the CIC.


Insurance  pays to beneficiaries KSh.180,000.00 to cover the funeral expenses for Fund members who pass on.
It clears outstanding loans of the member who has passed.
BBF boosts deposit by half to the refund of deceased members contribution.
Deposits Refunded in full to the next of kin of the deceased.
Refund of half of Burial Benevolent Fund contributions in case a member withdraws voluntarily from the Society after at least five Years of contributing. Covers burial expenses for one spouse at (KSh.100,000), for each child at (Ksh.80,000) . It is also important for members to keep this information updated.