Qona Sacco Membership
SACCO membership · Regulated by the SASRA
It is a member-owned SACCO. It is licensed by SASRA. Its website shows three membership tiers.
Hear when this changes
What to watch out for
- Qona Sacco publishes three membership tiers on its own website. The lowest entry point is Inuka: KSh 10,000 share capital, KSh 1,000 per month minimum, KSh 500 registration.
- The society does not publish notice, lock-in or withdrawal terms for any tier.
- Savings rates are published without a calendar year, so the board cannot record them as a declared return.
The details that matter for this kind of plan
- Licence
- Tier 1 SACCO, regulated by SASRA for 2026
- Membership tiers
- Three tiers: Inuka (KSh 10K share, KSh 1K/mo), Seed Q (KSh 20K, KSh 1.5K/mo), Crown (KSh 40K, KSh 3K/mo)
- Savings rates
- Jaza Jaza A/C 4.5% p.a., Junior A/C 5% p.a., BOSA Deposit A/C from 9% p.a. — no year attached
How to open this
- Open with KES 10,000
- then KES 1,000 a month
What does it cost you?
| Taken off each payment you makeRegistration fee for Inuka and Seed Q tiers; KSh 1,000 for Crown | KES 500 |
|---|
What if you stop paying?
The SACCO does not say what happens if you stop paying. Ask it before you join.
What if you need the money early?
The SACCO does not say how long it takes to get deposits back. Ask it.
Who this suits
You want to see the cost of joining before you apply.
You need a declared dividend rate with a year. Or you need notice and withdrawal terms.
What they tell you
- What is taken off the money you pay in?KES 500, taken from Registration fee for Inuka and Seed Q tiers; KSh 1,000 for Crown.
- What is the smallest amount you can start with?KES 1,000.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: qonasacco.com
- 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
- 23 September 2026
- Somebody read the company's own material only a regulator's listing → researched
- Smallest monthly payment is now KES 1,000, and was not published before
- Smallest lump sum to start is now KES 10,000, and was not published before
- Taken off each payment you make is now KES 500, 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.
“BOSA Deposit A/C From 9%”
“Faraji Ready Mortgage 0.71%”
“Holiday A/C —”
“Jaza Jaza A/C 4.5%”
“Junior A/C 5%”
“Kona Advance 5%”
“Monthly minimum KSh 1,000”
“Monthly minimum KSh 1,500”
“Monthly minimum KSh 3,000”
“Registration KSh 1,000”
“Registration KSh 500”
“Share capital KSh 10,000 Monthly minimum KSh 1,000 Registration KSh 500”
“Share capital KSh 20,000 Monthly minimum KSh 1,500 Registration KSh 500”
“Share capital KSh 40,000 Monthly minimum KSh 3,000 Registration KSh 1,000”
“Listed as a deposit-taking SACCO by SASRA for 2026”
SASRA: list of licensed and authorised Sacco societies, FY ending 31 Dec 2026the regulatorread 2026-09-16
Where we got this
- Read on 2026-09-16
- Qona Sacco — Join Us page, membership categories and termsthe company itselfRead on 2026-09-23
- Qona Sacco — Products page, savings rates and loan termsthe company itselfRead on 2026-09-23