◦ Access to loan – after contributing for six months a member qualifies for uptake of a loan based on their deposits

◦ Last Respect Insurance Cover (LRC)- upon becoming a member, the Sacco on boards him/her to a last respect cover of choice by either immediate full payment of the cover amount or wait for the annual renewal (1st April each year) while contributing a basic minimum amount for the remaining period to anniversary date.
The LRC amount payment covers the principal member, one spouse, six children below the age of 18 years and 24 years in case they are still in school, parents and parents’ in-law.
The Sacco retains an amount of Kes 20,000 on each successful claim for administrative services.

◦ Interest payback on deposits– a member qualifies for an interest on their deposits at the end of each financial year. This will be calculated on participatory basis to allow patronage of the products offered.
◦ Dividend on share capital– a member qualifies for dividend on their share capital at the end of each financial year.