Membership
Three memberships, one register
Pick the venture that matches your goal — or join more than one. Each membership carries its own number, contribution record and loan book.
SACCO Savings
Members building regular savings and share capital under approved member rules.
Read the detailsSelf Help Group
Members seeking organised welfare support and group savings programmes.
Read the detailsCredit Venture
Members seeking business, development or emergency credit subject to eligibility and approval.
Read the detailsEligibility
Membership eligibility
Membership is open to any adult who can meet the basic requirements below and keep up a regular contribution.
- Individual applicants aged 18 and above, subject to venture rules
- A valid National ID or other identification document accepted under the approved rules
- An active mobile number for member communication
- Next-of-kin or beneficiary details where required
- Acceptance of the applicable rules and by-laws
- Ability to meet the approved contribution requirements
Good to know
- You may apply to join more than one venture; each venture keeps its own membership record.
- Outstanding obligations in another venture are considered when an application is reviewed.
- Membership becomes active only after review and approval by an authorised officer.
Benefits
What membership gives you
Beyond a place to save, membership brings credit access, welfare cover and records you can trust.
Recorded savings
Contributions are recorded against your member account and reflected on your statement.
Access to credit
Members may apply for credit subject to eligibility, review and the applicable lending rules.
Welfare support
Approved support for qualifying cases under the Self Help Group rules.
Receipts and statements
Payments are receipted and reflected on member statements produced from the same records.
Member information sessions
Meetings and training sessions are announced through official member notices.
Accountable processes
Financial actions follow defined review and approval stages with assigned officer roles.
Membership journey
Six steps from choosing a venture to active membership
- 1
Choose your venture
Decide whether SACCO, Self Help Group or the Credit Venture matches your goal. You may join more than one.
- 2
Prepare your details
Your identification details, mobile number, address and next-of-kin or beneficiary information.
- 3
Start your application
Create an applicant account online when public registration is open, or contact the office for assistance.
- 4
Complete your profile and documents
Fill in the required information and upload the supporting documents requested during the application.
- 5
Submit for review and approval
An authorised officer reviews the application and may request changes before approval.
- 6
Begin participating
Once your membership is activated and the applicable fees and contributions are confirmed, you can begin participating.
What to bring
- A valid National ID or other accepted identification document
- An active mobile number
- Next-of-kin or beneficiary details where required
- A recent passport photograph where required
- The applicable approved fees and contributions
Paying in
Approved payment methods are communicated by the office and may include supported digital or bank channels. Always use your member reference and retain the official receipt.
Fees
Approved fees
Only fees approved and published by leadership are shown here.
Contact the office for current approved fees.
Questions
Before you register
Ready to join Upatanisho?
Register online, or talk to the office for assisted onboarding in your preferred venture.