Financial Solutions Tailored for You
Discover our range of savings accounts and credit products designed to meet your financial needs
Savings Accounts
Build your financial future with our flexible savings options
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
Our Loan Products
Flexible financing solutions tailored for farmers and businesses
Community & Agricultural Loans
For farmers, transport operators, families, and landowners
Agri-Flex Harvest Loan
Seasonal credit for coffee, crop, and livestock farming, matched to your harvest cycle.
Features:
- 3-6 month grace period tied to harvest cycles
- No urban land collateral required
- Repay principal after harvest, not before
Boda Boda / Asset Financing
Motorcycle financing for youth transport operators and delivery drivers.
Key Features:
- 25% deposit required
- Motorcycle acts as security
- Weekly flexible repayments over 6-18 months
School Fees Advance
Short-term financing to cover termly tuition, disbursed before term starts.
Amounts:
- 90-day short-term disbursement
- Direct payout for school fees
Kyapa / Land Titling Loan
Secure land ownership through affordable title acquisition for customary landowners.
Features:
- Covers survey and title processing fees
- Land title acts as a long-term financial asset
- Terms up to 36 months
Business Financing
For retailers, wholesalers, and growing local businesses
SME Working Capital Loan
Financing for local retailers, wholesalers, and aggregators to restock or expand.
Features:
- UGX 10M - 300M capital limits
- 12-24 month repayment terms
- Competitive declining-balance interest