Financial Products

Savings Products

Build your financial security with our range of savings accounts designed for individuals, groups, and the youth of Kyaddondo community.

Earn Dividends

Annual dividends declared on savings and share balances.

Secure & Regulated

All deposits protected under CBS regulatory oversight.

Build Loan Eligibility

Regular savings directly increases the credit you can access.

Core Product

Member Savings Account

The primary savings account for all SACCO members. Regular contributions build your balance, grow your dividends, and strengthen your loan eligibility.

Full Details & How to Apply →

Eligibility

All registered SACCO members in good standing.

Key Benefits

  • Annual dividend on your savings balance
  • Flexible — deposit any amount, any time
  • Foundation for accessing loans
  • Safe and monitored under CBS regulations

How to Open

Open at joining by paying your registration fee and initial deposit. Add to your account at the office or via designated collection points.

Ownership

Share Account

Purchase shares in the SACCO and become a genuine co-owner of the institution. Shares earn dividends and give you full voting rights at the AGM.

Full Details & How to Apply →

Eligibility

All registered SACCO members. Minimum shares required at joining; additional shares can be purchased at any time.

Key Benefits

  • Annual dividend on share value
  • Full voting rights at Annual General Meeting
  • Increases your overall loan multiplier
  • Reflects your ownership stake in the SACCO

How to Open

Purchase your minimum required shares at registration. Additional shares can be bought at the SACCO office at any time during the year.

Groups & Clubs

Group Savings Account

Designed for women's groups, savings clubs, youth associations, and community organisations. Pool resources to build collective financial strength.

Full Details & How to Apply →

Eligibility

Registered groups, savings clubs, and CBOs affiliated with CBS PEWOSA. Group must have a chairperson, secretary, and treasurer.

Key Benefits

  • Group earns dividends on pooled savings
  • Access to group-based loan products
  • Encourages savings discipline among members
  • Strengthens the group's financial credibility

How to Open

The group registers with the SACCO as a group member. Group leaders open the account on behalf of all members with required documentation.

Ages 18–35

Youth Savings Account

A savings product built for young people entering financial life. Start small, build habits, and unlock access to the Youth Loan product over time.

Full Details & How to Apply →

Eligibility

SACCO members aged 18–35 years. Proof of age (National ID) required.

Key Benefits

  • Low minimum deposit to get started
  • Pathway to Youth Loan eligibility
  • Earn dividends on your balance
  • Financial literacy guidance available

How to Open

Young members register in the same way as standard membership, with a reduced minimum deposit. Visit our office to open your account today.

Ready to Start Saving?

Become a member today and open your first savings account. Our team will guide you through every step.

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