United Winners Sacco Society Membership
SACCO membership · Regulated by the SASRA
It is a member-owned SACCO licensed by SASRA to take deposits. To join as an individual you buy at least 150 shares at KES 20 each and save at least KES 1,500 every month.
Hear when this changes
The details that matter for this kind of plan
- Share capital
- KES 3,000 minimum (150 shares at KES 20 each)
- Monthly savings
- KES 1,500 mandatory minimum
- Monthly insurance
- KES 150 per month
- Registration
- Free until 31 Dec 2025; standard fee not published
How to open this
- Open with KES 3,000
- then KES 1,500 a month
What does it cost you?
| Admin chargemonthly insurance fee | KES 150 |
|---|
What if you stop paying?
Ask the SACCO what happens if you stop paying your monthly savings, before you join.
What if you need the money early?
Ask the SACCO how long it takes to get deposits back, and what happens to your shares. The provider does not publish notice or lock-in terms.
Who this suits
You want to join a licensed SACCO and can pay the share capital and monthly savings.
You need a published dividend rate, or you cannot commit to KES 1,500 in monthly savings.
What they tell you
- What is the smallest amount you can start with?KES 1,500.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: uws.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
- Smallest monthly payment is now KES 1,500, and was not published before
- Smallest lump sum to start is now KES 3,000, and was not published before
- Admin charge is now KES 150, 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.
“Free Registration offer until 31st December 2025”
United Winners DT Sacco — Membership page: individual membership termsthe company itselfread 2026-09-28“Monthly Insurance fee Ksh 150”
United Winners DT Sacco — Membership page: individual membership termsthe company itselfread 2026-09-28“Purchase min 150 shares at Ksh. 20 at Total 3,000”
United Winners DT Sacco — Membership page: individual membership termsthe company itselfread 2026-09-28“Save the mandatory monthly savings Ksh. 1,500”
United Winners DT Sacco — Membership page: individual membership termsthe company itselfread 2026-09-28“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
- United Winners DT Sacco — Membership page: individual membership termsthe company itselfRead on 2026-09-28
- United Winners DT Sacco — official website, homepage and product pagesthe company itselfRead on 2026-09-28