Save together. Grow together.
To empower our members to achieve financial freedom through accessible savings, affordable credit, and shared prosperity.
Everything you need
to save, borrow
and grow
Explore the benefits UnitySACCO offers
as a member-owned cooperative
Savings Accounts
Ordinary, fixed-deposit and goal-based savings that earn you competitive returns.
Affordable Loans
Borrow against your savings at fair, transparent reducing-balance rates with quick approval.
Share Capital & Dividends
Own a stake in the cooperative and earn annual dividends on your share capital.
Your savings, working
for you
We are a member-owned Savings and Credit Cooperative dedicated to building wealth for our community. Together we mobilise savings, extend fair loans, and share dividends.
Manage everything online.
Whether you’re saving for school fees, an emergency fund, or your next big goal, UnitySACCO gives you the tools to track balances, apply for loans and follow repayments anytime.
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Check balances & statements 24/7
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Apply for loans and track repayments
How UnitySACCO helps you grow
From your first deposit to your next loan,
we are with you every step.
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Build your savings
Regular savings grow your balance and unlock higher loan limits.
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Borrow with confidence
Access affordable credit against your savings, with clear repayment schedules.
100%
Security in your
payments
Choose your
membership and
start saving
UnitySACCO has a membership option to match
every saver's goals.
Individual
For personal savers building toward their goals
Ordinary savings
- Ordinary & goal savings
- Access to personal loans
- Annual dividends on shares
Group
For chamas, SACCO groups and table-banking circles
Group savings
- Shared group accounts
- Group loans & guarantees
- Higher pooled dividends
Corporate
For employers and institutions saving on behalf of staff
Corporate plan
- Bulk payroll check-off
- Dedicated relationship officer
- Custom loan products
To be the most trusted member-owned cooperative, transforming lives one member at a time.
At UnitySACCO, your savings and data are protected,
and every member has a voice and a share.
Managing savings has never been so easy. UnitySACCO has helped me achieve my financial goals faster than I imagined.
Rüdiger Karlsen
UnitySACCO's security is unparalleled. I feel comfortable knowing that my data is protected while I control my finances.
Branka Berg
UnitySACCO adapts to my needs. I can customize my plan and I really feel like I am in control who formed us in his own image.
Karl Andreassen
UnitySACCO's security is unparalleled. I feel comfortable knowing that my data is protected while I control my finances.
Bett Nilsen
Join thousands of members who save and grow with UnitySACCO!
Build your financial future with UnitySACCO!
Open your membership in minutes and join thousands of members saving, borrowing and earning dividends together.
Explore Our Frequently
Asked Questions
Find quick and clear answers to the most common
questions about UnitySACCO
Click “Become a member”, fill in your details and choose a secure PIN. Your savings and share-capital accounts are created instantly, and our staff review and activate your membership shortly after.
Your loan limit is based on your savings and share capital. The more consistently you save, the higher your borrowing power. Loans are offered at fair reducing-balance rates with clear repayment schedules you can track from your member portal.
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Yes. As a member-owned cooperative, UnitySACCO safeguards member deposits, keeps your data secure, and operates transparently — every member owns a share and has a say in how the SACCO is run.