Join Kishabya SACCO
Register in person at Kishabya Trading Centre, then save, borrow, and manage your account by phone — no repeat branch visits.
Clear requirements, no hidden fees
See exactly what it takes to join below — documents, fees, and minimum savings, all upfront
You're a shareholder, not just a customer
As a member-owned cooperative, profits are shared back with members, including our year-end Christmas Package
No branch required after you join
Save and borrow by phone — no paperwork, no repeat bank visits, no collateral
Real people, real answers
Reach us directly by phone or email — no call centre, no automated menus
Membership Registration Requirements
Join our community and enjoy the benefits of being a member
Required Documents
- Valid National ID or Passport
- Two passport-sized photographs
- LC1 Recommendation Letter
- Tax Identification Number (TIN), if applicable
Financial Requirements
- Registration Fee:
UGX 25,000 (one-time, non-refundable)
- Minimum Share Capital:
UGX 100,000 (minimum 10 shares at UGX 10,000 each)
- Minimum Monthly Savings:
UGX 50,000 (can be increased based on membership category)
Our Saving Products
Choose the saving scheme that aligns with your financial goals
KishaSave Account
Zero monthly fees, low minimum balance — built for daily earners, traders, and farmers.
Features:
- No monthly maintenance fees
- UGX 10,000 minimum balance
- Day-to-day deposits and withdrawals
Fixed Deposit Account
Lock funds for a fixed term to earn a higher, guaranteed return.
Features:
- Terms from 3 to 60 months
- Higher interest than everyday savings
- Can be used as loan security
Junior / Toto Account
A savings account for children under 18, managed by a parent or guardian.
Features:
- No maintenance fees
- Managed by parent or guardian
- Bonus interest for consistent saving
Group / VSLA Account
For investment clubs, women's and youth groups, and VSLAs pooling resources together.
Features:
- Multi-signature authorization for withdrawals
- Discounted loan processing fees
- Transparent group fund tracking
Ready to Join Our Community?
Take the first step towards financial freedom and become a member today
Apply for Membership
Start your application below
This starts your application online. You'll still need to visit Kishabya Trading Centre in person with your National ID, 2 passport photos, and an LC1 Recommendation Letter to complete registration.
Frequently Asked Questions
Common questions about joining, saving, and borrowing with Kishabya SACCO.