Comprehensive Financial Solutions

Discover our range of services designed to meet your financial needs and help you achieve your goals

Savings Products

Build your financial future with our flexible savings accounts designed for different needs and goals.

Loan Products

Access affordable credit for various purposes with our competitive loan products at 2% monthly interest.

Digital Banking

Bank conveniently with our mobile money integration and digital payment solutions.

Financial Education

Empower yourself with financial literacy programs and personalized advisory services.

Savings Products

Choose from our variety of savings accounts to grow your money securely

Voluntary Savings

Flexible savings for everyone

  • Save any amount at any time
  • No fixed monthly contributions
  • Earn competitive interest rates
  • Withdraw when you need funds
  • Build your loan eligibility
UGX 5,000
Minimum Opening Balance
Open Account

School Fees Collection

Plan for education expenses

  • Dedicated account for school fees
  • Regular contributions for tuition
  • Withdraw during school terms
  • No fees for school-related transactions
  • Financial discipline for education
UGX 10,000
Minimum Opening Balance
Open Account

Fixed Deposit

Higher returns on your savings

  • Higher interest rates than regular savings
  • Fixed terms from 3 to 24 months
  • Guanteed returns on maturity
  • Ideal for large lump sum amounts
  • Promotes long-term savings culture
UGX 100,000
Minimum Deposit
Open Account

Junior Account

Savings for children & students

  • Designed for children under 18 years
  • Parent/guardian operates the account
  • Teaches financial literacy early
  • Special interest rates for minors
  • Builds savings habit from childhood
UGX 2,000
Minimum Opening Balance
Open Account

Compulsory Savings

Build your share capital

  • Required for all active members
  • Builds your ownership in the SACCO
  • Determines your loan eligibility
  • Earns annual dividends
  • Withdrawable upon membership exit
UGX 20,000
Minimum Share Capital
Become Member

Share Capital & Ownership

Become a co-owner of our SACCO and share in our success

Why Invest in RWAKYAKIBUNYA Shares?

Secure Investment

Your shares are protected and regulated by cooperative laws

Growth Potential

Share value appreciates as the SACCO grows and expands

Ownership Pride

Be part of a community-owned financial institution

Regular Dividends

Earn annual returns on your investment

Ready to Become a Shareholder?

Join over 11,700 members who own shares in RWAKYAKIBUNYA SACCO. Start with as little as 1 share (UGX 20,000) and grow your ownership over time.

Loan Products

Access affordable credit for your various needs at competitive rates

2% Monthly

Agricultural Loan

Boost your farming business

  • For crop farming and livestock
  • Purchase inputs and equipment
  • Seasonal farming activities
  • Value addition and processing
  • Agricultural infrastructure
Maximum Amount: UGX 50,000,000
Repayment Period: Up to 36 months
Interest Rate: 2% per month
Apply Now
2% Monthly

Business Loan

Grow your enterprise

  • Working capital for businesses
  • Business expansion and growth
  • Inventory and stock purchase
  • Equipment and machinery
  • Business premises improvement
Maximum Amount: UGX 100,000,000
Repayment Period: Up to 48 months
Interest Rate: 2% per month
Apply Now
2% Monthly

School Fees Loan

Invest in education

  • Tuition fees for all levels
  • School requirements and materials
  • Accommodation and upkeep
  • Educational trips and activities
  • Quick disbursement before term
Maximum Amount: UGX 20,000,000
Repayment Period: Up to 12 months
Interest Rate: 2% per month
Apply Now
2% Monthly

Asset Financing

Acquire productive assets

  • Vehicle and motorcycle purchase
  • Machinery and equipment
  • Office furniture and computers
  • Agricultural implements
  • Business tools and assets
Maximum Amount: UGX 200,000,000
Repayment Period: Up to 60 months
Interest Rate: 2% per month
Apply Now
2% Monthly

Home Improvement

Enhance your living space

  • House construction and completion
  • Renovations and repairs
  • Water and electricity installation
  • Fencing and compound work
  • Household furniture and fittings
Maximum Amount: UGX 100,000,000
Repayment Period: Up to 48 months
Interest Rate: 2% per month
Apply Now
2% Monthly

Motorcycle Loan

Bodaboda and transport business

  • New or used motorcycle purchase
  • Bodaboda business startup
  • Transport and delivery services
  • Personal and family transport
  • Quick processing and disbursement
Maximum Amount: UGX 10,000,000
Repayment Period: Up to 24 months
Interest Rate: 2% per month
Apply Now

Digital Banking Services

Bank conveniently from anywhere with our digital solutions

Mobile Money Payments

Make payments and deposits using your mobile phone with our MTN and Airtel integration.

How to Pay via Mobile Money

1

For MTN Mobile Money:

Dial *165*8*3# and enter SACCO ID: RWAKY

2

For Airtel Money:

Dial *185*8*3# and enter SACCO ID: 1135373

3

Follow the prompts to complete your transaction

M-SACCO Mobile App

Access your account, make transactions, and manage your finances with our mobile application.

App Features

Account Monitoring - Check balances and transaction history

Fund Transfers - Send money to other members

Alerts & Notifications - Stay updated on your account activity

Online Banking

Manage your accounts securely through our web portal from any internet-connected device.

Online Services

Loan Applications - Apply for loans online

Transaction History - View and download statements

Account Management - Update personal information

Additional Services

Value-added services to enhance your banking experience

Financial Education

Workshops and training on financial management, savings culture, and investment opportunities.

Bereavement Support

Financial assistance and support services for members during bereavement periods.

Group Accounts

Special accounts for groups, associations, and community organizations with tailored services.

Insurance Linkage

Access to affordable insurance products for life, health, and asset protection.

Business Advisory

Professional guidance for business planning, growth strategies, and financial management.

Member Support

Dedicated customer service and support for all your banking needs and inquiries.

Ready to Get Started?

Join thousands of satisfied members who are building their financial future with RWAKYAKIBUNYA SACCO. Choose the services that match your needs and start your journey today.

Become a Member Contact Us