Savings Account

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Member Deposits Account

This is the monthly contribution made by a member against which they can access loans, guarantee loan and earn interest at the end of the year. Requirement & Benefits

√ Minimum monthly contribution is a Kshs 3,000.
√ To earn rebates, MUST be an active member by end of the financial year.
√ Gives members ability to guarantee and be guaranteed
√ Ability to access loans in multiples of 3-4 times on one’s normal savings.

Download Membership Application form

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Share Capital Account

This is a unit of ownership of the SACCO and members earn dividends on the same annually when declared. The Share Capital is not withdrawable and cannot be used to guarantee loans or used as multiplier to access loan but can be sold or transferred to an existing member upon one’s withdrawal from the SACCO.
Requirement & Benefits

√ The minimum share capital is Kshs 40,000.
√ Gives member ownership to the Sacco.

Download Membership Application form

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Junior Savings

Junior Member Account is the Cutting edge account for future professionals offering. JUNIOR Savings Account is an affordable and convenient account that offers financial literacy to your little ones.
Requirement & Benefits

√ For children under 18 years
√ Withdrawals every 3 months.
√ The minimum monthly savings is Kshs 1000 per month
√ No monthly charges
√ One can withdraw all savings and start afresh.
√ Statements are sent monthly and accessible through the member portal at any time.
√ Earns Interest at the rate of 8% PA.

Download Junior a/c opening form

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Imara Savings

To enable members to save lumpsum amounts for a fixed period of time.
Requirement & Benefits

√ The minimum initial savings is Kshs 2,000,000 on a/c opening.
√ One can withdraw all savings and start afresh.
√ No monthly charges.
√ Fixed for an interval of 6 months.
√ Member forfeits interest upon withdrawal before lapse of period.
√ Earns Interest at the rate of 8.5% PA.

Download Imara a/c opening form

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Jijenge Savings

To enable members save for seasonal events within the calendar year or periodically
Requirement & Benefits

√ The minimum monthly savings is Kshs 1000 per month
√ Withdrawable after 3 months.
√ No monthly charges
√ One can withdraw all savings and start afresh.
√ Statements are sent monthly and accessible through the member portal at any time.
√ Earns Interest at the rate of 8% PA.

Download Jijenge a/c opening form

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Chama/Group Savings

To enable members save for seasonal events within the calendar year or periodically
Requirement & Benefits

√ Registration fee of Kshs 5000
√ Share Capital of Kshs 50,000
√ Monthly contributions of Kshs 5000

Download Chama/Group a/c opening form

Eligibility to
Open Chama Savings Account

Eligibility parameters & documents required
to open a chama a/c.

1

Application Form

Duly filled membership form
2

Chama constitution & a/c opening minutes

Attach the group's constitution and the meeting minutes resolving to join BAT sacco
3

Signatories Documents

2 coloured passport size photograph , copy of their KRA and Identification documents (ID or Passport) of authorized signatories.
4

Group Certificate

Attach copy of group's registration certificate (where applicable).

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Member Deposits Account

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Share Capital Account

Know About the

Junior Savings

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Imara Savings

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Jijenge Savings

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Chama/Group Savings

Eligibility to Open Chama Savings Account

Application Form

Chama constitution & a/c opening minutes

Signatories Documents

Group Certificate

Never depend on a single income. Make an investment to create a second source. – Martin Luther King, Jr.

8:00 AM - 5:00 PM Mon - Friday

Eligibility to
Open Chama Savings Account

Never depend on a single income. Make an investment to create a second source.
– Martin Luther King, Jr.