Savings
Save through the harvest. Plan for the year.
Savings products designed for the realities of the farming income cycle — flexible during harvest, disciplined the rest of the year.
Products
Four ways to save.
Voluntary Savings
From 5% p.a.
On-demand, flexible deposits and withdrawals.
- No minimum balance
- Deposit any time
- Pass-book or mobile statement
Contractual Savings
From 8% p.a.
Locked period, higher returns.
- 6 / 12 / 24-month terms
- Higher interest
- Auto-renewal option
Harvest Savings
From 6% p.a.
Built around the coffee harvest cycle.
- Open during harvest
- Withdraw before school terms
- Bonus on annual continuity
Goal Savings
From 7% p.a.
Save towards a specific purpose.
- School fees / inputs / events
- Reminders
- Targeted withdrawal date
Indicative rates — exact terms confirmed at sign-up. Subject to SACCO governance.
Member discipline
Savings works best when the group can see it.
The SACCO is built on the same accountability as the cooperative: regular records, member participation and products shaped around farming income cycles.