Offered to members based on priority criteria.

• Maximum loan amount: 3 times the member's deposits
• Repayment period: Up to 36 months
• Interest rate: 1% per month on reducing balance
• Monthly minimum deposit contribution required

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Applicable to members servicing development loans.

• Conditions include paying 2/3 of the existing loan and a one-off interest of 5%
• Treated as a new loan with a repayment period of 36 months

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For sudden hospitalization, funeral expenses, etc.

• Maximum loan amount: Kshs. 100,000
• Attracts interest at the rate of 1% per month on reducing balance
• Documentary evidence required

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For school-going students of members.

• Documented evidence of a registered institution required
• Banker's cheque to be written directly to the school
• Repayment period within the same year
• Interest rate: 1% per month on reducing balance

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For members and dependents pursuing higher education.

• Proforma evidence of a registered institution required
• Banker's cheque to be written directly to the institution
• Repayment period within one academic calendar year
• Interest rate: 1% per month on reducing balance

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For various immediate needs without documentary evidence.

• Interest rate: 3% on a flat rate basis
• Repayment period: 6 months
• Maximum amount: Kshs. 100,000

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For acquiring fixed or movable assets.

• Invoice of the asset required
• Interest rate: 2% on a flat rate basis
• Repayment period: 12 months

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For members planning vacations or holidays.

• Regular contributor
• Interest rate: 5% on a flat rate basis
• Maximum amount: Kshs. 50,000
• Repayment period: 6 months

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