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The Apple Sacco Society Ltd

The Apple Sacco Membership

SACCO membership · Regulated by the SASRA

It is a member-owned co-op licensed by SASRA to take deposits. Its website publishes interest rates on savings products. It does not publish the membership joining terms.

Hear when this changes

The details that matter for this kind of plan

Savings interest
6% per year on Fixed Deposits (KES 10,000-500,000) and Akiba Savings (above KES 5,000/month); 7.5% on Fixed Deposits above KES 500,000

How to open this

  • then KES 5,000 a month

What if you stop paying?

The website does not say what happens if you stop paying. Ask the SACCO before you join.

What if you need the money early?

The website does not publish notice or lock-in periods. Ask the SACCO how long it takes to get deposits back.

Who this suits

It could work for you if

You want to check a licensed SACCO and are willing to ask it directly for its joining terms. Or you only need the savings product rates it publishes.

Think twice if

You need published membership terms before you join. The entry fee, share capital and notice periods are not published.

What they tell you

  • What is the smallest amount you can start with?
    KES 5,000.
  • 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

  • 27 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Smallest monthly payment is now KES 5,000, 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