A co-operative built on trust, unity and financial empowerment. Saving for today, investing in tomorrow — together as one community.
From emergency support to long-term savings — we have a product for every need.
Build your wealth with monthly savings. Earn dividends annually and grow your share capital over time.
Access affordable loans up to 3× your savings balance for personal development, business or education.
Need funds urgently before your next salary? Get a quick salary advance processed within 24 hours.
Life is unpredictable. Our emergency fund ensures you are never alone when the unexpected happens.
Invest in education — yours or your children's. Flexible repayment matched to school terms.
In times of bereavement and hardship, the benevolent fund provides solidarity and support to members.
Estimate your monthly repayment before you apply. Adjust the amount and period to suit your budget.
We are more than a financial institution — we are a family of colleagues committed to each other's growth.
Every member has an equal voice. Decisions are made together, benefits shared equally.
1.2% per month on reducing balance — far below commercial bank rates. More money stays with you.
Full financial reporting, regular AGMs and an elected board you can trust.
Online member portal, automated statements and real-time account access from anywhere.
Years of trusted financial service in Eldoret
Real stories from real members whose lives have been transformed.
"The school fees loan came through just in time for my daughter's university fees. The process was smooth and the repayment is very manageable. I am so grateful."
"I used my savings to offset my loan balance — something I never thought was possible. The SACCO truly works for us. My finances are in order and I feel free."
"When I lost my mother, the benevolent fund helped cover funeral costs immediately. That kind of solidarity is priceless. This is a community, not just a financial institution."
Everything you need to know about Testimony SACCO membership and services.
Become part of a growing community of savers. Your journey to financial freedom starts here.