The Home of Development

Your Financial
Growth Starts Here

ACC&S SACCO LTD mobilizes savings and provides affordable credit facilities to our members. Join a community built on trust.

Banking on Community, Built on Trust

Empowering
Our Members Since 2006

Take your financial journey to new heights with flexible credit solutions designed around your needs and your future.

Regulated by SASRA

Savings & Credit
You Can Trust

From Vision 120 to Shamba loans — we offer competitive rates, fast processing, and products built for your real life needs.

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Why We Are Preferred

Member Strengths in Every Step

Benefit from smart savings, affordable credit and trust-driven governance that turns your membership into a lasting advantage.

1. Member-First Returns

Savings with strong dividends tailored for your future plans.

3. Trusted Governance

Regulated board oversight, risk-managed to protect your contributions.

Growth
2. Strong Credit Access

Fast loan decisions and fair terms when you need to grow or bridge gaps.

4. Community Growth

Collective support that ties your success to a stronger savings family.

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ABOUT ACC&S SACCO

The Journey Behind Our Members Success

ACC&S SACCO LTD is the home of development, offering affordable credit and savings solutions to empower our community since 2006.

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Secure Savings

We offer SASRA-regulated savings vehicles to help you build wealth over time with competitive dividends.

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Affordable Credit

Access flexible loan products including Vision 120, Development, and Shamba loans at competitive rates.

Discover More
A&S
ACC&S SACCO

The Home of Development

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Loan Products

Affordable Credit
For Your Development

All Loans
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Vision 120 Loan
01

Vision 120 Loan

Access up to 120× your monthly savings for major life investments.

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Development Loan
02

Development Loan

Fund construction, property purchases, and long-term projects.

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Loan Consolidation
03

Loan Consolidation

Merge your existing loans into one manageable facility.

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Exit Loan
04

Exit Loan

Flexible terms for members transitioning or seeking terminal benefits.

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Shamba Loan
05

Shamba Loan

Agricultural and land development financing for farming.

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Bridging Loan
06

Bridging Loan

Short-term financing to cover immediate gaps before long-term funding.

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Savings Schemes

Build Your Future
with Our Savings Plans.

Regular Savings

The foundation of your SACCO membership. Build shares and gain borrowing power.

Special Saving Scheme (SSS)

Targeted savings for specific goals like education, holidays, or business ventures.

Fixed Deposit (FOSA)

High-yield investment options for lump-sum deposits with attractive returns.

Junior & Holiday

Special accounts designed to help you save for your children's future or annual festivities.

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Why ACC&S SACCO?

Committed to Your
Financial Progress.

01

Competitive Rates

Affordable interest rates on all our loan products.

02

Fast Processing

Quick turn-around times for loan approvals and disbursements.

03

Member-Owned

Equal participation in governance and decision-making.

04

Secure & Regulated

Regulated by SASRA with audited financial stability.

Join ACC&S SACCO NOW

✨ Special Offer:

Save 6 months & Get Loan 3x Savings

Start with Kshs 1,000 monthly and access multiple loan products at competitive rates.

Monthly Savings

Kshs 1,000+

Loan After

6 Months

Join Now

Why Save With Us?

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Competitive Dividends

Earn attractive dividend returns each year.

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Quick Loan Access

Fast eligibility based on your savings track record.

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Safe & Regulated

SASRA oversight with loan insurance protection.

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Community Support

Join a growing member network supporting each other.

Latest News & Updates

ACC&S SACCO News

View All Updates
News
  • March 2026
  • Admin

Annual General Meeting 2026: Celebrating Growth

Join us as we reflect on a decade of empowering members and achieving financial milestones.

News
  • February 2026
  • Admin

New Mobile Banking Features: Save on the Go

Experience seamless banking with our newly updated mobile app. Save, borrow, and track easily.