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Radio Guard Regulated NWDT Sacco Society Limited

Radio Guard Sacco Membership

SACCO membership · Regulated by the SASRA

A SACCO where you save and can borrow. It takes about three minutes to open a savings account. You pay a one-time registration fee of KES 1,000 and must buy at least 20 shares at KES 100 each.

Hear when this changes

The details that matter for this kind of plan

What you save
Deposits you cannot withdraw while a member
Licensed by
SASRA, as a non-withdrawable deposit-taking society
Registration fee
KES 1,000 one-time
Share price
KES 100 per share, minimum 20 shares
Loan multiple
3 times your savings
Loan repayment
Up to 36 months
Interest on savings
Up to 9.5% (no year stated)
Dividend on shares
18.3% (no year stated)

How to open this

  • Open with KES 1,000

What does it cost you?

Taken off each payment you makeone-time registration feeKES 1,000

What if you stop paying?

Your savings stay with the society. What happens next is set by its own rules, which it does not publish.

What if you need the money early?

You cannot take this money out while you are a member. You get it back when you leave.

Who this suits

It could work for you if

You want savings you cannot dip into, and the chance to borrow up to three times what you have saved.

Think twice if

You may need the money back soon. It is locked while you are a member, and you must save consistently for at least three months before qualifying for a loan.

What they tell you

  • What is taken off the money you pay in?
    KES 1,000, taken from one-time registration fee.
  • What is the smallest amount you can start with?
    KES 1,000.
  • Are all their charges published?
    Yes, every charge they mention has a figure against it.
  • Do they say who regulates them?
    Yes — the SASRA. That is who you complain to.

Talk to them

Compared with the others

There are 222 other plans of this kind on the board. See all 223 side by side — what each one leaves you with, and which of them will not say.

What has changed here

  • 23 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Taken off each payment you make is now KES 1,000, and was not published before
    • Smallest lump sum to start is now KES 1,000, and was not published before

We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.

What the documents actually say

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

  • “18.3%”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23
  • “9.5%”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23
  • “Each share is Ksh. 100/-”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23
  • “Free Account opening”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23
  • “Loans given 3 times your savings”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23
  • “Minimum number is 20 shares”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23
  • “Must save consistently for at least three months.”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23
  • “Registration fee: Ksh. 1,000/-”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23
  • “Repayment period upto 36 months”
    RG Sacco Ltd. website — savings, shares, loans and joining termsthe company itselfread 2026-09-23

Where we got this