Comprehensive financial solutions designed for every stage of your journey.
Build your financial foundation with disciplined monthly savings. Every shilling saved is a shilling working for your future — earning dividends and growing your share capital year after year.
Access funds for personal development, business growth, home improvement or any purpose — at interest rates far below commercial banks. Backed by your savings and guaranteed by fellow members.
When your salary is days away but an urgent need cannot wait — the salary advance bridges the gap quickly, with minimal paperwork and fast approval.
Life is unpredictable. Medical emergencies, accidents and unforeseen crises happen. The Emergency Fund ensures you are never left to face these moments alone or without resources.
Education is the best investment. Whether it is primary, secondary or university fees — the School Fees Loan ensures education is never interrupted by financial constraints.
In times of bereavement and extreme hardship, the Testimony Sacco Benevolent Fund provides solidarity support to members and their immediate families. Because no member should grieve alone.
Simple, transparent and fair for every member.
| Product | Max Amount | Interest Rate | Processing | Requirements |
|---|---|---|---|---|
|
Normal Loan
|
3× savings | 1.2% p.m. | 5 days | 2–10 guarantors |
|
Salary Advance
|
Net salary | 4.2% p.m. | 24 hours | Active member |
|
Emergency Fund
|
Case by case | 4.2% p.m. | 48 hours | Board approval |
|
School Fees
|
3× savings | 4.2% p.m. | 5 days | Admission letter |
|
Savings Account
|
Unlimited | Annual Dividends | Instant | KES 1,000/month |
Contact us today or visit our office to begin your membership journey.
Beyond savings and loans — grow your wealth through Testimony Sacco's future investment products.
Pool your savings into government-approved unit trust funds. Higher returns than a savings account with managed risk.
Invest in Kenya Government Treasury Bills through the SACCO. Safe, short-term, government-backed investments.
Pool members' funds to invest in real estate. Rental income and capital appreciation shared among investing members.
Connect with partner SACCOs. Transfer funds, access larger loans, and participate in inter-SACCO investment pools.