Defence Sacco Membership
SACCO membership · Regulated by the SASRA
It is a member-owned co-op licensed by SASRA to take deposits.
Hear when this changes
How to open this
- Open with KES 20,000
- then KES 3,500 a month
What does it cost you?
| Taken off each payment you makemembership registration | KES 600 |
|---|---|
| Admin chargeaccount maintenance fee (Sharia accounts only) | KES 1,000 |
| Admin chargesink fund | KES 300 |
What if you stop paying?
Ask the SACCO what happens if you stop paying, 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.
Who this suits
You want to check a licensed SACCO in the regulator's register before you ask it for its terms.
You need membership terms, charges or rates now.
What they tell you
- What is taken off the money you pay in?KES 600, taken from membership registration.
- What is the smallest amount you can start with?KES 3,500.
- Are all their charges published?Yes, every charge they mention has a figure against it.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: defencesacco.com
- Email: info@defencesacco.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
- 12 September 2026
- Somebody read the company's own material only a regulator's listing → researched
- Smallest monthly payment is now KES 3,500, and was not published before
- Smallest lump sum to start is now KES 20,000, and was not published before
- Admin charge is now KES 1,000, and was not published before
- Admin charge KES 1,000 → KES 300
- Taken off each payment you make is now KES 600, 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.
“Account maintenance fee of Kshs 1000 ( Sharia accounts only )”
“Membership Registration fee Kshs 600”
“Minimum Monthly Deposits Contribution of Kshs 3500”
“Share Capital Kshs 20,000”
“Sink Fund Kshs 300.”
“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
- Defence SACCO About Us pagethe company itselfRead on 2026-09-12