Twakiri Sacco
Join Us


Twakiri Sacco is one of the most
dependable Saccos in
the Country, professionally
managed, financially stable and
has a proven track record of
being member-focused
1. Financial Stability and Growth: Twakiri Sacco has a strong track record of financial stability and growth. As a member, you can benefit from competitive savings and investment opportunities, which can help you achieve your financial goals, whether you're saving for education, a home, or retirement. Twakiri Sacco's prudent financial management ensures that your funds are safe and well-managed.

2. Low-Cost Loans: Twakiri Sacco offers its members access to affordable loans with favorable interest rates and flexible repayment terms. Whether you need a loan for business expansion, emergencies, or personal reasons, Twakiri Sacco can provide you with the financial support you need without incurring high interest costs.

3. Member-Centric Services: Twakiri Sacco is known for its dedication to serving its members' needs. The Sacco offers a wide range of financial products and services, including savings accounts, fixed deposits, and various loan products, all designed to meet the diverse needs of its members. You can expect personalized and responsive customer service from the dedicated team at Twakiri Sacco.

4. Financial Education and Empowerment: Twakiri Sacco is committed to promoting financial literacy and education among its members. By joining Twakiri Sacco, you can access valuable resources and workshops that will empower you with the knowledge and skills to make informed financial decisions, ultimately improving your financial well-being.

5. Community and Social Responsibility: Twakiri Sacco is deeply involved in community development and social responsibility initiatives. By becoming a member, you not only gain access to financial services but also have the opportunity to participate in community projects and programs that create a positive impact in the local area. Joining Twakiri Sacco allows you to contribute to these meaningful efforts.
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Membership Eligibility


Twakiri Sacco is open to the public. Anyone can

join including individuals in the diaspora.

Membership is 2 types.

1, Individual membership
a, Junior Savers
2, Corporate or Group Membership

Individual Membership


Junior Savers


Corporate or Group Membership


Individual Membership


Twakiri gives you the
freedom and flexibility
to choose which
category to join.
TickCategoryJoining Fee (Ksh) Min. Joining Shares
@ 20/= per Share		Min. Monthly Deposit Times a Member can
borrow against Deposit		 Period to fully pay Joining
Fee & Joining Shares
A1,000251,0003 TimesImmediate
A-12,000502,0003.25 Times2 months
A-25,0005003,0003.50 Times4 months
B-110,0001,0005,0003.75 Times5 months
B-210,0001,00010,0004.25 Times5 months

Individual Membership


The member must meet the following qualifications:
1, Is eligible as described in the Twakiri By-Laws (Clause 7).
2, Has fully completed the Membership Form.
3, Has paid the entrance fee and minimum joining shares as prescribed in the Financial Policy.
4, Has fully understood the objectives of the Sacco, his obligations as a member and other requirements as stated in the By-Laws.
SRDeposit Amount6 Months Interest12 Months Interest
a)Kshs. 60,000 - 100,0004.50%5.25%
b)Kshs. 101,000 - 500,0004.75%5.50%
c)Kshs. 501,000 - 1,500,0005.50%5.70%
d)Kshs. Over 1,500,000negotiablenegotiable

SRDeposit Amount6 Months Interest12 Months Interest
a)Kshs. 60,000 - 100,0004.50%5.25%
b)Kshs. 101,000 - 500,0004.75%5.50%
c)Kshs. 501,000 - 1,500,0005.50%5.70%
d)Kshs. Over 1,500,000negotiablenegotiable

Junior Savers

Financial Education and Early Savings Habits: Enrolling your child in a Sacco at a young age provides an excellent opportunity to teach them valuable financial skills and cultivate responsible savings habits early in life.

By participating in a Sacco, juniors can learn the importance of saving for their future needs, such as education, buying a first car, or even their own home. This hands-on experience can set the foundation for a lifetime of financial literacy and smart money management.