PesaGuide
← All plans
Tembo Sacco Society Ltd

Tembo Sacco Membership

SACCO membership · Regulated by the SASRA

It is a member-owned SACCO. SASRA licenses it to take deposits. It serves EABL employees and others in Kenya. It offers savings accounts and credit facilities.

Hear when this changes

The details that matter for this kind of plan

Share capital
KES 20,000 (1,000 shares at KES 20 each), non-withdrawable but transferable
Minimum monthly contribution
KES 1,000 for regular deposits; KES 500 for BOSA Special Savings
Registration fee
KES 1,000 non-refundable, one off
FOSA account minimum
KES 1,000 account minimum; KES 5,000 to earn interest at 4% p.a.
Deposits interest
Historically up to 11.5% prorated; no current stated rate published

How to open this

  • Open with KES 20,000
  • then KES 1,000 a month

What does it cost you?

Taken off each payment you makeregistration feeKES 1,000

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?

You can get deposits back with prior notice. The SACCO does not say how much notice. Ask it before you join.

Who this suits

It could work for you if

You want to join a SACCO. It needs KES 20,000 to start. You can pay KES 1,000 a month. You can ask the society about notice periods and rates.

Think twice if

You need published notice periods. You need a stated current interest rate. You need a clear administration fee. The SACCO does not publish these.

What they tell you

  • What is taken off the money you pay in?
    KES 1,000, taken from registration fee.
  • 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

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

  • 26 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Smallest lump sum to start is now KES 20,000, and was not published before
    • Smallest monthly payment is now KES 1,000, and was not published before
    • Taken off each payment you make 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.

Where we got this