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Savings Products
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Share Capital

Annual dividend

Shares represent your ownership in the SACCO. Dividends are declared each year based on the SACCO's profit performance, and your share balance affects your loan eligibility.

Min. amount: MWK 10,000 Term: Ongoing membership

Ordinary / Regular Deposits

2% per annum

A flexible everyday savings account for members. Deposit and access your savings as needed while earning steady annual interest.

Min. amount: MWK 1,000 Term: No fixed term

Fixed Deposits

40% per annum

Lock in your savings for a set period and earn a significantly higher interest rate — ideal for members looking to maximize returns on funds they don't need immediate access to.

Min. amount: MWK 10,000 Term: 12 months