1. Requirements to become a member? (Who and How)
Anybody can easily join Ukristo na Ufanisi DT Sacco whether you are in business, salaried, groups both investment and merry go rounds, cell groups, as a church, institution or company by filling the membership application form available at our branches and on our website.

2. What are the types of membership?
  i. Individual membership
  ii. Joint membership
  iii. Cell group membership
  iv. Group membership
  v. Corporate membership

3. Requirements to rejoin the Sacco after closure?
Payment of re-joining fees of Ksh.1,000 and the minimum monthly contribution of Ksh.1,600 (Ksh.1,000 savings, Ksh.500 share capital, and Ksh.100 benevolent fund).

4. Requirement to activate a dormant Account
Payment of the minimum monthly contribution of Ksh.1,600 (Ksh.1,000 savings, Ksh.500 share capital, and Ksh.100 benevolent fund).

5.Is Share Capital Refundable?
The share capital is non-refundable and is only transferable to existing Sacco members. Additionally, share capital earns dividend at the end of the financial year.

1. What is the minimum monthly contribution on deposits and share capital?
The minimum monthly contribution for deposits is Kshs.1,000 and for share capital is Kshs.500.

2. What is the difference between Deposits and Share Capital?
Deposits are refundable upon written notice of 60 days, earn interests and are used to secure a loan while share capital is transferable, earns dividends but cannot be used to secure a loan.

3. How can I receive my statement?
By signing up on our member portal through the Sacco’s website, requesting for an e-statement via whatsapp or email, or by visiting any of our branches.

4. Can I transfer my deposits and share capital to another member?
Yes you can. You only need to fill out a share capital transfer form which is available on the website (Downloads > Sacco forms).

5. What are the benefits of shares and deposits?
Shares earns dividends while deposits earn interests annually.

6. How can I make my payments to the Sacco?
You can make payments via
  i. Our mobile banking platform *346# or Ukristo na ufanisi APP but you must be registered to do so.
  ii. Mpesa Pay bill, Business Number 520900, Account Number (enter the product keyword joined with your member number e.g NSV000000).
  iii. Direct deposit to the Sacco's current account with co-operative bank A/C NO 01100029492600 ;
  iv. Visiting any of our branches and making a direct deposit over the counter.

1. When do I qualify to take a loan?
You qualify to take a loan after six month of consistent contribution to the Sacco. However for an own share loan, you qualify after three months of consistent deposit.

2. What is the maximum am entitled to?
This depends on the product. If you have an asset account and you intend to buy land you can get up to 5 times your asset savings. If you intend to a buy an imported motor vehicle you will save 30% of the market value and the Sacco will finance the rest and for a locally used motor vehicle you'll save 40%. All other account categories can get a loan of up to three times for the first loan application and four times of your total savings for subsequent loans. School Fees Loan and Household Loan should not exceed Ksh.500,000 and Kilimo Loan should not exceed Ksh.1,000,000. Other loan products should not exceed Ksh.20,000,000 for individual borrowers and Ksh.30,000,000 for institutions/corporates/Groups

3. Can I have more than one loan at the same time?
Yes, you can. This happens when you have multiple savings accounts and you have the ability to service both loans or when you have free BOSA deposits which allow you to take more than one loan.

4. What is the maximum loan repayment period?

The maximum loan repayment period is 72 months.

5. Can I reduce my loan instalment due to cash flow constraints?
Yes, but only when you are viable for a loan restructure. You will need to visit our offices or contact us via email, whatsapp or on call for further guidance.

6. How long does it take for a loan to be processed?
For Ownshare and Short-term loans it takes 24 hours. Other loans take a maximum of 14 days.

7. What is the interest charged on loans?
For BOSA (group and cell group members) interest on loans is 1% per month on a reducing balance. For BOSA individuals who are not in cell groups interest is charged at 1.35% per month on a reducing balance. All FOSA products are charged at an interest of 1% per month fixed except school fees loans whose interest is 0.8% per month .

8. If I clear a loan before its completion date will I be required to pay interest for future periods?
No further interest or penalty is charged for clearing a loan earlier than the contracted period.

1. Do I need a guarantor if my loan application is equivalent to my deposits?
You can borrow up to 80% of your deposits as a loan without guarantors.

2. How are your loans secured?
  i.Through co-guarantorship where a member is in a cell group.
  ii. By providing collateral i.e. title deed or car logbook.
  iii. Through guarantorship with other member(s) free deposits for members who are not in cell groups but have BOSA accounts.

1. Mobile Banking

a) How do I register?
By filling an m-sacco registration form and attaching your ID copy at any of our branches.
If I forget my pin, how do I reset it?
By filling an m-sacco pin reset form and attaching your ID copy at any of our branches.

2. ATMS

a) How do I apply for an ATM?
By filling an ATM application form with your ID copy attached to it and depositing the ATM application fee to your current account

b) Where can I access money using my ATM?
At any VISA branded ATM

3. Cheque Books
a) How much does it cost to get a Cheque Book
For 100 leaves it costs Ksh.1200.