Common questions, plain answers.

A cooperative is owned by its members, not by outside shareholders. When you open an account with us, you become a part-owner with a vote at the Annual General Meeting. Profits don't leave for distant investors — they come back to the membership in the form of better rates, lower fees, and dividends.

Click "Become a member" on any page or visit a branch in person. You'll need your national ID and basic contact details. We'll review your application within 1 business day and open your savings account once approved.

Minimum opening deposits vary by savings product. Many of our regular savings accounts have a low or zero minimum. Fixed deposit (term) accounts have a higher minimum but pay higher interest. See the Products section on the homepage for current rates and minimums, or ask at any branch.

You'll need to be a member first. Once your account is active, you can apply through the member portal — pick the loan product, fill in the amount and purpose, and submit. A loan officer will review your application, often within a few days. Approval depends on your savings history, repayment capacity, and the product's criteria.

Yes. Once we've completed integration with your mobile-money provider, you can send deposits and loan repayments using your phone. The system matches your payment to your account using your phone number or a reference in the narration (e.g. your account number or loan ID).

We operate under cooperative regulatory oversight and follow the same loan classification, provisioning, and audit-trail discipline as larger financial institutions. Our books are audited annually by an external firm and reviewed by a supervisory committee elected by you, the members.

Regular savings: deposit and withdraw anytime, earns interest on your balance. Fixed deposit: you commit your money for a fixed period (e.g. 90, 180, 365 days), and in exchange you earn a higher interest rate. Withdrawing early is possible but incurs a penalty.

Interest rates on savings, fixed deposits, and loans are set by the board of directors — elected by the members — in line with our financial position and the regulatory environment. The board reviews rates at least annually and announces changes through the news section and at the AGM.

Every member is invited to the Annual General Meeting. Date, location, and agenda are announced at least 21 days in advance via the news section, SMS, and email. At the AGM you can vote on the financial statements, elect directors, and propose motions. One member = one vote, regardless of how much you've saved.

Walk into any branch, message us through the contact form, or use the in-portal notifications inbox once you're logged in. A real person — not a faceless call centre — will respond within 2 business days, usually sooner.