Utabibu Sacco Membership
SACCO membership · Regulated by the SASRA
A savings society owned by its members. You save with it and can borrow. The money you pay in stays until you leave.
Hear when this changes
The details that matter for this kind of plan
- Smallest monthly contribution
- KES 3,300 per month
- Loan eligibility
- After 3 months membership and 3 consecutive months of contributions
- Loan multiplier
- Up to 4 times your savings
- Founded
- October 1974
How to open this
- then KES 3,300 a month
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. The society says final dues are paid within 60 days of notice, but does not state a notice period.
Who this suits
You want savings you cannot dip into, and the chance to borrow against them. You can borrow up to four times your savings after three months.
You may need the money back soon. It is locked while you are a member. The society does not publish its entry fee, share capital or dividend rate.
What they tell you
- What is the smallest amount you can start with?KES 3,300.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: utabibusacco.co.ke
- Email: info@utabibusacco.org
- 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
- Smallest monthly payment is now KES 3,300, 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.
“A member can access up to 50% of the net interest on deposit/dividend for the preceding year.”
Utabibu SACCO interest-dividend-advance-application page — dividend advance policythe company itselfread 2026-09-28“A one-off processing fee of 5% of the entitlement shall be applicable.”
Utabibu SACCO interest-dividend-advance-application page — dividend advance policythe company itselfread 2026-09-28“Dial *720# for Mobile Banking services”
“Q. How much do I qualify for? Loans are given four times a members savings subject to two thirds rule (A member must take home at least a third of his/her pay after all deductions).”
Utabibu SACCO FAQ page — minimum contribution, loan eligibility, withdrawal duesthe company itselfread 2026-09-28“Q. What is the minimum contribution? Kshs.3,300 per month.”
Utabibu SACCO FAQ page — minimum contribution, loan eligibility, withdrawal duesthe company itselfread 2026-09-28“Q. When am I eligible for a loan? After being a member for at least three months and having contributed for at least three consecutive months (Depending on the minimum contribution bracket that you fall under).”
Utabibu SACCO FAQ page — minimum contribution, loan eligibility, withdrawal duesthe company itselfread 2026-09-28“Q. When do I expect final dues after notice of withdrawal? Within 60 Days”
Utabibu SACCO FAQ page — minimum contribution, loan eligibility, withdrawal duesthe company itselfread 2026-09-28“Utabibu Regulated NON-WDTS LTD was incorporated under the Cooperative Societies Act Cap 490 in October 1974.”
Where we got this
- SASRA: Sacco Supervision Annual Report 2024 — growth performance indicators for every regulated societythe regulatorRead on 2026-08-28
- Utabibu SACCO official website — home page, about, services, FAQthe company itselfRead on 2026-09-28
- Read on 2026-09-28
- Read on 2026-09-28
- Utabibu SACCO interest-dividend-advance-application page — dividend advance policythe company itselfRead on 2026-09-28