Build a savings habit
Make regular deposits and develop a consistent approach to setting money aside for future needs.
Explore savings
Membership
Become a Member of EPZA SACCO
Build your savings, access member-focused financial services and work towards your financial goals with EPZA Regulated NWDT SACCO Society Limited.
Your membership journey starts here
Make saving a habit. Create room for growth.
EPZA SACCO was established in 1995 to provide affordable financial services to members. Membership gives you access to the Society's savings facilities and, subject to the applicable terms and eligibility conditions, its credit products.
Registered under the Ministry of Co-operatives and licensed
and regulated by SASRA, as stated by the Society.
Membership built around you
Savings, credit and member services
Why Membership
A practical foundation for your financial goals
Membership connects you to structured savings and a range of financial facilities designed for eligible members.
Access credit facilities
Eligible members may apply for available loan products, subject to savings history, repayment capacity, guarantees and product terms.
Explore loan productsMember-focused services
Access membership information, application guidance, downloadable forms and support from the SACCO.
Contact the SACCO
Membership Categories
Find the category that fits your circumstances
The categories below are presented as information prompts. Confirm availability and the applicable eligibility rules with the SACCO before applying.
Individual
For individuals seeking to join the Society, save consistently and access member services subject to SACCO rules.
Start an applicationCorporate
For organisations enquiring about participation or membership arrangements. Contact the SACCO to confirm the applicable process.
Make an enquiryYouth
For younger prospective members to enquire about available membership options and any age-related conditions.
Confirm eligibilityJunior
For enquiries about membership options for minors, including any guardian, identification and documentation requirements.
Ask about junior membershipDiaspora
For people living outside Kenya who wish to enquire about joining, documentation and contribution arrangements.
Ask about diaspora membershipNot sure which applies?
Contact the SACCO before submitting an application so that the correct category and process can be confirmed.
Ask the SACCO
Member Benefits
Services that support your financial journey
Explore the savings and credit facilities available through the Society. Access to individual products is subject to their terms and your eligibility.
Savings benefits
Build your financial base through regular contributions.
- Deposits contribution: minimum monthly contribution of KSh 1,500.
- Christmas savings: save any amount monthly, with savings paid back in December before the Christmas holiday closure.
- Consistent savings can help members qualify for loan products, subject to applicable terms.
Loan benefits
Apply for credit facilities for different needs.
- Loan products include Emergency, School Fees, Development, Top-Up, Okoa, Masaa, Karibu and Special Product loans.
- Most listed loan products require consistent savings for at least six months; Karibu Loan has different eligibility conditions.
- Repayment capacity and guarantees are assessed under the applicable loan conditions.
Shares and dividend enquiries
Understand your member contribution structure.
Share capital is KSh 10,000, payable within 24 months, according to the information supplied by the SACCO. Contact the Society for details on share capital, dividend declarations and applicable rules. No dividend rate is stated on this page.
Member services and digital access
Get information and application support conveniently.
- Access membership information and application guidance online.
- Find forms and supporting information through the website's Download Centre.
- Contact the SACCO for assistance with membership and product enquiries.
Before You Apply
Membership requirements and contributions
Prepare the documents and understand the initial contribution requirements before starting your application.
Required documents
Applicants are asked to complete a membership application form and submit it with the following documents:
National ID or PassportProvide a clear copy of your identification document.
KRA PIN CertificateAttach a copy of your KRA PIN certificate.
Additional identification or KYC information may be requested by the SACCO where applicable. Confirm any category-specific requirements with the office.
Initial contribution guide
Know the key amounts
One-time registration feeKSh 500
Minimum monthly depositKSh 1,500
Share capitalKSh 10,000
The share capital is payable within 24 months. Confirm the payment process and current requirements with the SACCO before making any payment.
Ask about contributions
How to Join
Four steps to begin your membership application
Use this checklist to prepare your application. Submission and approval remain subject to the SACCO's review.
Review requirements
Read the membership requirements and confirm any questions with the SACCO.
Prepare documents
Prepare your National ID or Passport copy and KRA PIN certificate.
Complete the form
Fill in the membership application form and check that the information is accurate.
Submit for review
Submit through the available SACCO channel and respond if further information is requested.
Ready to take the next step?
Start your application online or contact the SACCO if you need guidance first.
Need Clarification?
Membership FAQs
Quick answers to common questions about joining, documents, savings and shares.
Still have a question?
Contact the SACCO for confirmation of current requirements and any circumstances not covered here.
Contact usThe supplied requirements are a completed membership application form, a copy of your National ID or Passport, and your KRA PIN certificate. The SACCO may advise if additional information is required.
The registration fee is KSh 500 and is payable once, according to the membership information supplied by EPZA SACCO.
The minimum monthly deposit contribution is KSh 1,500. Members should confirm the current payment instructions directly with the SACCO.
The stated share capital is KSh 10,000, payable within 24 months. Contact the SACCO for the applicable payment schedule and further details.
Most listed loan products require consistent savings for at least six months. The Karibu Loan has different conditions, including a minimum membership period of three months. All applications remain subject to the relevant product terms and eligibility checks.
Complete the application form and submit it with the required documents through the channel confirmed by the SACCO. The Society's supplied information indicates that applications may be submitted to the SACCO office or via email. Online submission will be enabled once the form backend is connected.
This page does not state a dividend rate or guarantee a dividend. Please contact EPZA SACCO for its current dividend information and applicable rules.
Take the next step
Start your EPZA SACCO membership journey.
Review the requirements, prepare your documents and begin your application.