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Winas Sacco Society Ltd

Winas Sacco Membership

SACCO membership · Regulated by the SASRA

A member-owned savings and credit co-operative licensed by SASRA. It was founded in 1977 as Embu Teachers Sacco and rebranded in 2012. It has over 60,000 members and KES 16.9 billion in assets.

Hear when this changes

The details that matter for this kind of plan

Registration
Ksh 500 for individuals, businesses and groups
Share capital
Ksh 10,000 individuals; Ksh 2,000 businesses; Ksh 1,000 groups
Licence
Listed as a deposit-taking SACCO by SASRA for 2026

How to open this

  • Open with KES 10,000

What does it cost you?

Taken off each payment you makeyour payments. The membership page says a Ksh 500 registration fee.KES 500

What if you stop paying?

Nothing is owed. What you have already put in stays in your accounts.

What if you need the money early?

The FOSA account lets you deposit and withdraw at will. The deposit savings account needs 60 days' notice. The membership page does not publish any early-exit penalty.

Who this suits

It could work for you if

You want a licensed SACCO and are happy to pay Ksh 500 to join with Ksh 10,000 share capital.

Think twice if

You need a dividend rate, a fee, or a minimum monthly deposit before you join.

What they tell you

  • What is taken off the money you pay in?
    KES 500, taken from your payments. The membership page says a Ksh 500 registration fee..
  • What is the smallest amount you can start with?
    KES 10,000.
  • 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

  • 29 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • 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.

Where we got this