PesaGuide
← All plans
Apstar DT Sacco Society Ltd

Apstar DT Sacco Membership

SACCO membership · Regulated by the SASRA

A licensed Kenyan SACCO. It was founded in 1972 as Ukulima DT Sacco. It is now called Apstar. You buy share capital and pay monthly deposits.

Hear when this changes

What to watch out for

  • SASRA lists this society as licensed for deposit-taking business in 2026. The company's own website confirms the rebrand from Ukulima and publishes minimum balances and welfare contributions, but publishes no membership fees, interest rates or dividend rates.

The details that matter for this kind of plan

Licence
Listed as a deposit-taking SACCO by SASRA for 2026
Also known as
Formerly Ukulima DT Sacco, founded 1972
Minimum to join
Ksh 1,000 opening balance for the FOSA savings account
Welfare contribution
Ksh 400 monthly for the sinking fund
Branches
Over 9 branches nationwide

How to open this

  • Open with KES 1,000

What if you stop paying?

Your deposits stay locked while you are a member. If you stop paying, any interest depends on the society's yearly results. The company does not publish these results.

What if you need the money early?

If you leave, they return your deposits. They do this after processing your exit. You must clear any loans and guarantor duties first. The company publishes no exit timeline.

Who this suits

It could work for you if

You want a regulated SACCO. You want branches near you. There are over 9 branches nationwide. You can afford the monthly deposits and the Ksh 400 welfare contribution.

Think twice if

You need quick access to your money. You cannot keep up a monthly payment. You need to know the exact return before joining.

What they tell you

  • 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

  • 8 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Smallest lump sum to start is now KES 1,000, and was not published before
  • 22 August 2026
    • Somebody read the company's own material only a regulator's listing → researched

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