Applicants are required to complete a membership application form and submit a copy of National ID or Passport together with a KRA PIN Certificate.
Quick Access
Access EPZA SACCO services quickly
Find the most frequently used membership, loan, calculator, download and support services from one place.
About EPZA SACCO
A trusted financial services provider
EPZA Regulated NWDT SACCO Society Ltd is a financial services provider located in the EPZ Athi River Zone.
The SACCO was established in 1995 with the aim of providing affordable financial services to its members.
The Society is registered under the Ministry of Co-operatives and is licensed and regulated by the SACCO Societies Regulatory Authority (SASRA) to mobilize savings and provide affordable credit facilities.
EPZA SACCO is closely monitored through regular returns submission to the relevant government institutions to support prudent management of members' funds and safeguarding of their savings.
Established in 1995
Serving members through savings and affordable credit facilities.
Vision
To be a Preferred Financial Solutions Provider.
Mission
To enhance the Socio-economic status of members through provision of Quality, Affordable and Diversified financial services.
Core Values
Customer Focus
Integrity
Teamwork
Creativity & Innovation
Equality & Fairness
Products & Services
Financial products and services for members
Explore EPZA SACCO's savings products, loan products and member services.
01
Savings Products
EPZA SACCO provides savings facilities that help members build their savings and financial base.
Deposits Contribution
Christmas Savings
Explore Savings Products
02
Loan Products
Members can access a range of loan facilities designed for different financial needs and repayment periods.
Development Loan
Emergency Loan
School Fees Loan
Top-Up, Okoa, Masaa & Karibu
Explore Loan Centre
03
Member Services
Access membership registration, loan applications, downloadable forms, customer support and other member-related services.
Membership Registration
Loan Applications
Download Centre
Customer Support
Explore Member Services
Loan Centre
Loan products available to members
EPZA SACCO provides loan facilities designed to support urgent needs, education, development, short-term needs and approved product purchases.
Loan 01
Learn More
Emergency Loan
Designed to help members meet urgent and unexpected financial needs.
Loan Amount
Up to 3× member deposits
Repayment
Up to 12 months
Interest
1% p.m. reducing balance
Loan 02
Learn More
School Fees Loan
A loan designed to help members meet school and education-related expenses.
Loan Amount
Up to 3× member deposits
Repayment
Up to 12 months
Interest
1% p.m. reducing balance
Loan 03
Learn More
Development Loan
Designed to support members in financing long-term investments and development projects.
Loan Amount
Up to 3× member deposits
Repayment
Up to 60 months
Interest
1% p.m. reducing balance
Loan 04
Learn More
Top-Up Loan
Allows members with an active loan to borrow additional funds under the same loan product.
Availability
Subject to eligibility
Amount
Depends on outstanding balance
Period
Subject to applicable terms
Loan 05
Learn More
Okoa Loan
A short-term loan designed to provide members with quick access to funds when needed.
Repayment
1–6 months
Interest
10% per month
Loan 06
Learn More
Masaa Loan
A very short-term loan designed for immediate financial needs.
Repayment
1 month
Interest
10% per month
Loan 07
Learn More
Karibu Loan
A welcome loan designed for new members who have established membership with the SACCO.
Eligibility
Membership of at least 3 months
Repayment
Up to 3 months
Loan 08
Learn More
Special Product Loan
Enables members to acquire physical products such as televisions, mobile phones and other approved items.
Repayment
Up to 6 months
Interest
2% per month
General Loan Conditions
Important conditions for accessing loan products
Consistent Savings
Members must have saved consistently with the SACCO for at least 6 months, except for the Karibu Loan, which has different eligibility requirements.
Loan Repayment Capacity
Total monthly loan deductions must not exceed two-thirds (2/3) of the member's gross salary.
Loan Guarantee
Loans must generally be guaranteed by qualified SACCO members unless the loan is eligible for self-guarantee.
The standard interest rate on loans is 1% per month on a reducing balance, unless a different rate is specifically stated for a particular loan product. Additional terms and conditions may apply depending on the loan product and member eligibility.
Savings Products
Build your savings and financial base
EPZA SACCO provides regular and special savings facilities designed to help members build their savings and plan for specific financial needs.
Savings 01
Deposits Contribution
Our regular savings facility that helps members build their savings and financial base.
Minimum Monthly Contribution
Ksh 1,500
Members are required to save consistently every month as it helps members qualify for various SACCO loan products, subject to applicable terms and conditions.
Savings 02
Christmas Savings
A flexible savings facility that helps members plan for Christmas and end-of-year expenses.
Monthly Saving
Any Amount
Savings are paid back to members in December, before the Christmas holiday closure.
Membership
Become a member of EPZA SACCO
Membership provides access to the Society's savings and financial services. Prospective members should review the requirements and application process before applying.
National ID or Passport
A copy is required when applying.
KRA PIN Certificate
Applicants should submit a copy of the KRA PIN certificate.
Membership Contributions
Registration Fee: Ksh 500. Minimum Monthly Deposit: Ksh 1,500.
Share Capital
Ksh 10,000 payable within 24 months.
How to Join
Start your membership journey
- Complete the membership application form.
- Submit the required supporting documents.
- Submit the application to the SACCO office or via email.
- Applications submitted through the website are forwarded to SACCO administrators for review.
Membership & Loan Applications
Access the application services you need.
Visitors and members may complete applications online, download forms for manual completion, upload completed forms through the website, submit forms via email, or deliver them physically to the SACCO offices.
Loan Calculator
Estimate your loan repayment
The Loan Calculator allows visitors to estimate loan repayments based on the selected loan product, loan amount and repayment period.
Select the loan product
Enter the loan amount
Specify the repayment period
Review the estimated repayment
EPZA SACCO
Loan Repayment Estimator
Select loan product
Enter loan amount
Select period
Estimated repayment
Use the full calculator
The calculation engine will use the applicable
loan product parameters configured for EPZA SACCO.
Calculate Repayment
Why Choose EPZA SACCO
Serving members through accessible financial services
EPZA SACCO's purpose is reflected in its commitment to quality, affordable and diversified financial services.
Quality Financial Services
The Society's mission is to enhance the socio-economic status of members through provision of quality, affordable and diversified financial services.
Savings & Credit
EPZA SACCO mobilizes savings and provides affordable credit facilities to its membership.
Regulated Environment
The Society is licensed and regulated by the SACCO Societies Regulatory Authority (SASRA).
Financial Growth
The Society encourages thrift through mobilization of deposits, provision of credit and investment opportunities.
Member Focus
EPZA SACCO was established to provide financial services that support the socio-economic interests of its members.
Professional Service
Members and visitors have access to dedicated information, application, support and communication channels.
EPZA SACCO MEMBERSHIP
Join EPZA SACCO and build your financial base.
Review membership requirements, contributions and application information before getting started.
News & Publications
Stay informed with EPZA SACCO
The Media Centre will provide access to the latest news, announcements, events, official publications and other communication materials.
News and publications
Latest news, announcements, strategic plans, annual reports, financial statements, newsletters, brochures, circulars, policies and other official publications will be available through the Media Centre.
Visit Media Centre
Announcements
Important notices and communications
Official notices and important SACCO communications can be published here.
EPZA SACCO
Official notices and announcements
Important SACCO notices, member communications and organizational updates will appear here when published.
EPZA SACCO KNOWLEDGE CENTRE
View All FAQs
Frequently Asked Questions
Find information about membership, contributions, loan applications and loan products.
The membership registration fee is Ksh 500, payable once.
The minimum monthly deposit is Ksh 1,500.
Share capital is Ksh 10,000, payable within 24 months.
Members should complete and submit the loan application form together with a copy of National ID or Passport, KRA PIN Certificate and three most recent payslips. Self-employed members should provide a 6-month bank statement.
The standard interest rate on loans is 1% per month on a reducing balance, unless a different rate is specifically stated for a particular loan product.
No matching questions found
Try another search term or select a different topic.
Contact & Location
Need assistance from EPZA SACCO?
Use the official contact channels to send an enquiry, request assistance or find information about the Society.
Email
info@epzasacco.co.ke
Location
EPZ Athi River Zone
EPZA SACCO
EPZ Athi River Zone
Visit the Contact Us page for the complete contact information, office location, operating hours and communication options.
View Contact Information
EPZA SACCO
Become a Member or Apply for a Loan
Explore EPZA SACCO membership, loan products and available member services.