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Sawa Regulated NWDT Sacco Society Limited

Sawa Sacco Membership

SACCO membership · Regulated by the SASRA

A savings and credit co-operative society. You join by paying a registration fee and a share contribution. Then you save and borrow with the society.

Hear when this changes

The details that matter for this kind of plan

Registration fee
KES 500, non-refundable, one-time
Minimum share contribution
KES 4,000, one-time
What you save
Deposits you cannot withdraw while a member
Licensed by
SASRA, as a non-withdrawable deposit-taking society

How to open this

  • Open with KES 500
  • then KES 4,000 a month

What does it cost you?

Taken off each payment you makeregistration feeKES 500

What if you stop paying?

Your savings stay with the society. What happens next is set by its own rules. The society does not publish those rules.

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. You also want the chance to borrow against them. You are within the FCS Group of Companies or a former employee.

Think twice if

You may need the money back soon. It is locked while you are a member. You are not part of the FCS Group.

What they tell you

  • What is taken off the money you pay in?
    KES 500, taken from registration fee.
  • What is the smallest amount you can start with?
    KES 4,000.
  • 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

  • 24 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Taken off each payment you make is now KES 500, and was not published before
    • Smallest lump sum to start is now KES 500, and was not published before
    • Smallest monthly payment is now KES 4,000, 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.

Where we got this