Below are important details about United Winners Sacco:

Individual Membership

• Fill the Individual Membership Registration Form
• Registration fee Ksh 1,000
• Monthly Insurance fee Ksh 150
• Purchase min 150 shares at Ksh. 20 at Total 3,000
• Save the mandatory monthly savings Ksh. 1,500
• Attach copy of ID card
• Attach 2 passport photos
• Individual Members can apply for mobile banking Digipesa

Which are the Modes of loan repayment

1. Check off – by employer
2. Standing Order – from Members Bank account to Sacco Bank Account
3. Mpesa – to the Sacco Paybill number 523000
4. USSD Code – *670#
5. WhatsApp Banking – +254 721 516 546
6. DigiPesa – from Members Mpesa Directly to members Sacco Account
7. Direct deposit – To FOSA Account
8. Direct debit – Sacco Bank collects from Member’s banks accounts.
9. Money transfers – RTGS, SWIFT, PoaPay, Wave, SimbaPay, JamboGlobal, UAEXchange, Western Union , MoneyGram

Eligibility

• You must be a Kenyan resident aged 18 years and above.
• Only new members joining UWS DT SACCO during the promotion period are eligible.
• A member can refer up to 5 people.
• The referred person must not have an existing SACCO membership.
• Both the referrer and the referee must complete their SACCO membership application before 30 th April 2025 to qualify for rewards.

Reward Issuance

• Referrers will receive KES 500 per successful referral, sent to their Sacco Account after verification.
• New members (referees) will receive KES 100 worth of airtime instantly upon successful registration and verification.
• UWS DT SACCO reserves the right to verify the identities and registration statuses of both parties before disbursing rewards.

Steps to Join United Winners Sacco as a Diaspora Member

1. Visit the United Winners SACCO Website https://uws.co.ke/
   • Open your browser and go to the United Winners SACCO official website.
2. Navigate to the “Membership” Page:
   • Look for the ” Join Us” link on the website’s homepage or menu.
3. Fill the Membership Registration Form:
   • Download the individual membership registration form.
   • Fill out the required details accurately.
4. Pay the Registration Fee:
   • Prepare a payment of Ksh.1,000 for the registration fee.
   • Follow the payment instructions provided on the website (e.g., bank transfer, send wave money transfer, etc.).
5. Purchase Shares:
   • For a start Purchase a minimum of 1,000 shares at Ksh.20 each, totaling Ksh.3000.
   • Complete the payment using the methods specified by the SACCO.
6. Set Up Monthly Savings:
   • Arrange to save a minimum of Ksh. 1,500 every month.
7. Pay the Monthly Insurance Fee:
   • Ensure you pay the monthly insurance fee of Ksh. 150.
8. Submit Identification Documents:
   • Scan or take clear photos of your ID / Passport and passport photo.
   • Email these documents to diaspora@uws.co.ke or send them via
   • WhatsApp to +254 741843546.

Loans

School Fees Loan

Loan Details

Features

• Approval process takes up to 24 hours.
• Repayment period is up to 12 months
• This product attracts an interest rate of 1% p.m on reducing balance
• Any member who has saved consistently for 6 months, qualifies for this product

This loan is granted by the society and must be fully secured either by guarantors who are members of the society or by use of collateral; Collateral will include a title deed/Property The applicant is required to be an active Sacco member for a minimum of 6 months The member is expected to make the required monthly contribution even as he/she is servicing the loan. The member’s credit history will be a major determinant for this and future loans.

Requirements

• A duly completed loan application form
• Applicants must provide a current and certified fees structure from the learning institution.
• Attach copies of ID for both the applicant and guarantors
• This product attracts an interest rate of 1% p.m on reducing balance.
• Other charges include application fees at 0.75% of amount applied but a minimum of Ksh.600.
• Repayment period is up to 12 months

Bima Loan

This product is meant to finance insurance premiums for members such as Health, Motor Vehicle, Motor Cycle, House hold property, Buildings and Business stocks.

Loan Details

Features

• Approval process takes up to 12 working hours
• This product attracts an interest rate of 0.5% p.m on reducing balance.
• The loan is guaranteed by member’s deposits
• Maximum repayment period is up to 12 months
• Maximum amount is limited by the premium due

This loan is granted by the society and is only guaranteed by the member’s deposits. No guarantors or collateral is required. The applicant is required to be an active Sacco member for a minimum of 6 months The applicant is expected to make the required monthly contribution even as he/she is servicing the loan. The member’s credit history is a major determinant for this and future loans. Cheque issued will be in favour of insurance company

Requirements

• A duly completed loan application form
• Processing fee is Ksh.500
• Interest of 0.5% p.m. on reducing balance
• Any member with an active loan can apply for this loan if their outstanding loan is less
  than their savings
• Attach a copy of certified insurance premium
  invoice
• A copy of the ID of the applicant

Development Loan

This is a loan facility advanced to our Members who are planning to start or expand their business ventures or for personal development.

Loan Details

Features

• Approval process takes up to 15 working days
• Repayment period is up to 48 months.
• This product attracts an interest rate of 1% p.m on reducing balance.
• Any member who has saved consistently for six months qualifies for a development loan.

Approval process takes up to 15 working days Repayment period is up to 48 months. This product attracts an interest rate of 1% p.m on reducing balance. Any member who has saved consistently for six months qualifies for a development loan.

Requirements

• A duly completed loan application form
• Attach copies of IDs of both the applicant and guarantors
• This product attracts an interest rate of 1% p.m on reducing balance.
• Other charges include application fees at 0.75% of amount applied but a minimum of Ksh.600.

Emergency Loan

Loan Details

Features

• Approval process takes up to 24 working hours
• Repayment period is up to 12 months.
• This product attracts an interest rate of 1% p.m on reducing balance.
• Any member who has saved consistently for six months or a member with existing loans, with good repayment history qualifies

All loans granted by the society must be fully secured either by guarantors who are members of the society or by use of collateral; Collateral will include a title deed/Property The applicant is required to be an active Sacco member for a minimum of 6 months The applicant is expected to make the required monthly contribution even as he/she is servicing the loan. The member’s credit history is a major determinant for this and future loans.

Requirements

• A duly completed loan application form
• Supporting documents must be attached for
  approval
• Attach copies of id for both the applicant and
  guarantors
• This product attracts an interest rate of 1% p.m on reducing balance.
• The application fee is 0.75% of the amount
  applied for and minimum rate of Ksh.600

Instant Loan

This product is meant to facilitate any member’s immediate short-term financial needs.

Loan Details

Features

• Approval is immediate
• Repayment period is up to 6 months.
• This product attracts an interest rate of 5% p.m on reducing balance
• Any member who has saved consistently for six months or any member
  with an active loan, qualifies for this if their outstanding loan is less than
  their savings.
• an.

Approval process takes up to 15 working days Repayment period is up to 48 months. This product attracts an interest rate of 1% p.m on reducing balance. Any member who has saved consistently for six months qualifies for a development loan.

Requirements

• A duly completed loan application form
• The loan amount issued up to Ksh 20,000
  is payable within (3 months)
• Any amount above Ksh. 60,000 up to a
  maximum loan amount of Ksh. 100,000 is
  payable within (6 months)
• The Loan application fees is Kshs.500
• Attach the applicant’s copy of ID card
• This product attracts an interest rate of 5% p.m on reducing balance
• Any member with an active loan can apply for
  instant loan if their outstanding loan is less
  than their savings

Moto Gari Loan

Loan meant to meet members needs for asset financing in regards to motor vehicle.

Loan Details

Features

• Approval process takes up to 15 working days
• This product attracts an interest rate of 1.25% p.m on reducing balance.
• Any member who has saved consistently for six months qualifies for a moto gari loan.

This loan is granted by the society and must be fully secured either by guarantors who are members of the society or by use of collateral; Collateral will include a title deed/Property The applicant is required to be an Active Sacco member for a minimum of 6 months The applicant is expected to make the required monthly contribution even as he/she is servicing the loan. The member’s credit history will be a major determinant for this and future loans.

Requirements

• A duly completed loan application form
• Attach a copy of ID of the applicant
• This product attracts an interest rate of 1.25% p.m on reducing balance.
• Other charges include application fees at 0.75% of amount applied.

Mjengo Loan

This is a loan facility advanced to our Members who are planning to undertake development of building for commercial purposes.

Loan Details

Features

• This product attracts an interest rate of 1.25% p.m on reducing balance.
• Any member who has saved consistently for six months qualifies for a mjengo loan.
• A member qualifies for a maximum of 4 times their savings with a repayment of up to 84 months.Maximum loan amount is Ksh 15,000,000 but a minimum of Ksh. 8,000,000.

This loan is granted by the society and must be fully secured either by guarantors who are members of the society or by use of collateral; Collateral will include a title deed/Property The applicant is required to be an Active Sacco member for a minimum of 6 months The applicant is expected to make the required monthly contribution even as he/she is servicing the loan. The member’s credit history will be a major determinant for this and future loans.

Requirements

• A duly completed loan application form
• Attach copies of IDs of both the applicant and guarantors
• This product attracts an interest rate of 1.25% p.m on reducing balance.
• Other charges include application fees at 0.75% of amount applied but a minimum of Ksh.600.

How Do I Join United Winners Sacco

• Fill a membership form
• Attached Id Copy and passport photo
• Pay ksh.1000 registration fee
• Purchase a min 150 shares at 20 a total of ksh.3000 shares
• Save a minimum monthly savings of ksh.1500

What is the minimum share capital of United Winners Sacco?

• Minimum share capital is ksh.20,000

What is the minimum monthly savings?

• Minimum monthly savings is ksh.1500, however a member can deposit more

Can we Join as a group or Company?

Yes, you can.

To Registered Groups & Limited Companies

• Fill the Corporate Membership Registration Form
• Registration fee Ksh 5,000
• Purchase min 1,100 shares at Ksh. 20 at Total Ksh. 22,000
• Save the mandatory monthly savings Ksh. 5,000
• Attach list of the Group Members or Company Directors
• Attach copies of their IDs Group Members or Company Directors
• All Group Members /Company Directors must be members of the Sacco with individual membership accounts
• Attach a copy of the Group constitution / Company Memorandum of Association.
• Attach a CR12 form in the case of a limited company
• Attach the Group or Company Registration Certificate from the government
• Attach minutes resolving to join the Sacco

Can a Church Join United Winners Sacco?

Yes, Churches can Join United Winners Sacco.

Requirements for Churches are:

• Fill the Corporate Membership Registration Form
• Registration fee Ksh 5,000
• Purchase min 1,100 shares at Ksh. 20 at Total Ksh. 22,000
• Save the mandatory monthly savings Ksh. 10,000
• Attach the Church Governing Body/ Authority’s
  Minutes resolving to the Sacco
• Attach a Letter of Authority from the Kirk Session or Head Authority to join the Sacco.

Contacts

Visit our Branches

Head Quaters
Imani Towers 4th floor,
P.C.E.A. Umoja Church

Ruai Branch
Ruai Mega Mall , 1st Floor Ruai
Tel: +254 709 453 120

Contact Us

Call Us | Mon-Fri 08am-4:30pm

+254 (0) 709 453 000
+254 (0) 709 453 110

Email Us

enquiries@uws.co.ke dpofficer@uws.co.ke