Secure Savings
We offer SASRA-regulated savings vehicles to help you build wealth over time with competitive dividends.
- Info@accssacco.co.ke
- General Kago Road Next to Mount Kenya University, Thika, Kenya
Welcome to ACC&S SACCO
Partnering for Your Financial Progress
Experience a SACCO that puts you first. We offer a holistic range of financial services designed to help you save, invest, and grow with confidence.
1. Membership SACCO
Be part of a vibrant community where members enjoy exclusive benefits and shared prosperity.
3. Investment Opportunities
Maximize your returns by participating in strategic investment ventures managed with integrity.
2. Savings Products
Build a solid foundation with our diverse savings plans tailored to meet your unique life goals.
4. Loan Products
Turn your plans into reality with our affordable and accessible credit facilities for every need.
ABOUT ACC&S SACCO
The Journey Behind Our Members Success
ACC&S SACCO LTD is the home of development, offering affordable credit and savings solutions to empower our community since 2006.
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Affordable Credit
Access flexible loan products including Vision 120, Development, and Shamba loans at competitive rates.
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A&S
ACC&S SACCO
The Home of Development
Loan Products
01
Development Loan
Long-term finance for property, construction, renovation, land purchase, and development projects.
- Loan limit: KES 1.8 Million
- Repayment: 1-60 months
- Interest: 1% reducing balance/month
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02
Emergency Loan
Quick access to funds for unforeseen urgent needs and emergencies.
- Fast approval process
- Repayment: 1-12 months
- Interest: 1% reducing balance/month
03
School Fees Loan
Education financing to support your children's academic advancement and development.
- Support education goals
- Repayment: 1-12 months
- Interest: 1% reducing balance/month
04
Salary Advance
Short-term advance on your salary for managing interim cash flow needs.
- Quick disbursement
- Repayment: 1-3 months
- Interest: 3% reducing balance/month
05
Refinance/Top Up Loan
Restructure or increase your existing loan facility to meet growing financial needs.
- Loan limit: KES 1.8 Million
- Repayment: 1-60 months
- Interest: 1% reducing balance/month
How to Become a Member
Join ACC&S SACCO and start building your financial future with these simple steps:
- Download Form or Pick from Office
- Pay Registration Fee of Kshs 500
- Minimum Monthly Savings: Kshs 1,000
- Minimum Share Capital: Kshs 6,000
- Get Copy of Bye-laws at Kshs 300
Why ACC&S SACCO?
Committed to Your
Financial Progress.
01
Competitive Rates
Affordable interest rates on all our loan products.
02
Fast Processing
Quick turn-around times for loan approvals and disbursements.
03
Member-Owned
Equal participation in governance and decision-making.
04
Secure & Regulated
Regulated by SASRA with audited financial stability.
Special Member offer
Save Consistently & Get a Loan 3X Your Savings
Start your journey with just Kshs 1,000 monthly. After 6 months of consistent saving, you qualify for credit triple your accumulated amount.
Competitive Dividends
Earn attractive annual returns from day one.
SASRA Regulated
Your savings are safe, secure, and insured.
Latest News & Updates
ACC&S SACCO News
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Announcement
- 4 April 2026
- Admin
Notice of the 11th ACC&S SACCO AGM
The AGM will be held at Old Church Hall, Head Office Grounds, Thika from 9:00am. Agenda includes Chairman, Supervisory and Credit Committee reports, accounts, dividends, budget, auditors and elections. Send questions by 27 March 2026 via info@accssacco.co.ke or WhatsApp 0712766276.
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Past Event
- January 2026
- Admin
SACCO Week 2026 Special Offer
Empowering Dreams, Building Wealth! Join during SACCO Week for reduced registration fees, special bylaws offers, and flexible share capital contributions.
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