United Women Sacco Membership
SACCO membership · Regulated by the SASRA
A SACCO membership. To join you pay a minimum initial contribution of KES 27,000, which covers a registration fee, share capital and a first savings deposit. You save with the society and can borrow against your savings.
Hear when this changes
The details that matter for this kind of plan
- Minimum to join
- KES 27,000: registration fee KES 2,000, share capital KES 20,000, minimum deposit KES 5,000
- Share capital
- KES 20,000, not withdrawable while a member, transferable only at nominal value
- Licensed by
- SASRA, as a non-withdrawable deposit-taking society
How to open this
- Open with KES 27,000
What does it cost you?
| Admin chargeinitial contribution | KES 2,000 |
|---|
What if you stop paying?
Your share capital and 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?
The share capital is not withdrawable while you are a member. It can only be transferred to another member at nominal value. The society does not publish its terms for withdrawing the savings deposit early.
Who this suits
You want to join a SACCO and can lock away KES 22,000 to save and borrow.
You may need the money back soon. The share capital is locked while you are a member and cannot be withdrawn.
What they tell you
- What is the smallest amount you can start with?KES 27,000.
- 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
- Website: www.unitedwomensacco.co.ke
- Email: info@unitedwomensacco.co.ke
- If something goes wrong, the SASRA is who supervises 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
- 28 September 2026
- Somebody read the company's own material only a regulator's listing → researched
- Admin charge is now KES 2,000, and was not published before
- Smallest lump sum to start is now KES 27,000, 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.
“Initial minimum deposit of Kshs. 5,000 toward your savings.”
United Women Sacco Membership page — initial contribution, registration fee, share capital, minimum depositthe company itselfread 2026-09-28“Make an initial contribution of at least Kshs. 27,000, consisting of;”
United Women Sacco Membership page — initial contribution, registration fee, share capital, minimum depositthe company itselfread 2026-09-28“Non- refundable registration fee of Kshs. 2,000”
United Women Sacco Membership page — initial contribution, registration fee, share capital, minimum depositthe company itselfread 2026-09-28“Share Capital of Kshs. 20,000 - This refers to the amount paid by the members as a unit ownership in the Sacco. The amount is not withdrawable even if one ceases to be a member. It can only be transferred to another member of the Sacco at nominal value.”
United Women Sacco Membership page — initial contribution, registration fee, share capital, minimum depositthe company itselfread 2026-09-28
Where we got this
- SASRA: Sacco Supervision Annual Report 2024 — growth performance indicators for every regulated societythe regulatorRead on 2026-08-28
- United Women Sacco Membership page — initial contribution, registration fee, share capital, minimum depositthe company itselfRead on 2026-09-28