Every Dream Starts with a Deposit.

Whether you are a farmer, trader, professional, group, parent, or investor, We have designed refined savings solutions that match your journey.
Compare Savings Options

Making your money grow.

Shares and Dividends
Your shares are your equity. The money grows and generates more through dividends. Dividends are paid out annually at a rate of 14% and are credited to your savings account.
Member-Owned, Member-Loved
You're a shareholder. Every shilling you save strengthens the cooperative and your voice in it. Earn annual dividends, elect delegates during elections, access affordable credit as well as financial education and training.
Borrow Up to 5× Your Savings
Need an affordable loan? Your Zidisha savings increases your borrowing power with a multiplier of up to 5 times your savings amount. Therefore, the more you save, the more doors swing open.

Transactional Savings Accounts

These accounts are designed for daily deposits, withdrawals, and business operations.

  • Zidisha Savings Account




    • Designed for:
    • Entrepreneurs
    • Employees
    • Business operators
    • Individuals
  • Features
    • No minimum opening balance
    • No minimum operating balance
    • No monthly ledger fees
    • Access to Sacco-branded cheque book
    • ATM, E-Cash App, FSM Merchant
    • Access to a 5 times credit multiplier

  • Premium Savings Account



    • Ideal for:
    • Coffee, tea & milk proceeds
    • Traders
    • Everyday banking
  • Features
    • No minimum opening balance
    • No minimum operating balance
    • No monthly ledger fees
    • Access to Sacco-branded cheque book
    • ATM, E-Cash App, FSM Merchant

  • Mwelekeo Savings Account




    • Designed for:
    • Salary processing
    • Coffee, tea & milk proceeds
    • Traders
    • Everyday banking
    • Companies
    • Institutions
  • Features
    • No minimum opening balance
    • No minimum operating balance
    • No monthly ledger fees
    • Access to Sacco-branded cheque book
    • ATM, E-Cash App, FSM Merchant
    • Overdraft facility (subject to appraisal)

  • business Savings Account

    • Designed for:
    • Entrepreneurs
    • Employees
    • Business operators
    • Individuals
  • Features
    • No minimum opening balance
    • No minimum operating balance
    • No monthly ledger fees
    • Access to Sacco-branded cheque book
    • ATM, E-Cash App, FSM Merchant
    • Daily transaction flexibility

  • Group Savings Account




    • Designed for:
    • Investment groups
    • Chamas
    • Welfare groups
  • Features
    • Encourages collective savings
    • Enables access to group credit
    • Builds structured financial discipline
    • No minimum opening balance
    • No minimum operating balance
    • Daily transaction flexibility

  • Flexi Savings Account




    • Designed for:
    • Entrepreneurs
    • Employees
    • Business operators
    • Individuals
  • Features
    • No minimum opening balance
    • Free withdrawals
    • No monthly ledger fees
    • Access to Sacco-branded cheque book
    • ATM, E-Cash App, FSM Merchant
    • Daily transaction flexibility

  • Kahawa Savings Account




    • Ideal for:
    • Coffee proceeds
    • Traders
    • Everyday banking
  • Features
    • No minimum opening balance
    • No minimum operating balance
    • No monthly ledger fees
    • Access to Sacco-branded cheque book
    • ATM, E-Cash App, FSM Merchant
Standing Order Set-up Form

Special Deposit Accounts

  • Share Capital Account

    • Minimum:
    • 5 shares worth Kshs. 500
    • Kshs. 5,000 share capital to qualify for loans
    • Shares are transferable Not refundable
    • Dividend returns (at least 14%)

  • Zidisha Shares Account

    • Multiply Your Borrowing Capacity.
    • 8% interest on savings
    • Access loans up to 5 times your savings
    • Refundable with 30-day notice
    • Build through daily/weekly/monthly standing order

  • Back Office Deposits Account

    • 8% per annum
    • Can guarantee loans
    • Refundable within a 30-day notice
    • Deductions via a standing order
    • Builds loan eligibility

Frequently asked questions

How do I open a savings account?
Walk into any Fortune Sacco branch with your national ID, one passport photo, and KES 500 for registration. Alternatively start the process online through the member portal.
Can I have multiple savings accounts?
Yes you can. Especially for members operating multiple businesses at the same time and would like different paybill account numbers for each.
When are dividends paid?
Dividends are declared at the Annual General Meeting (AGM) and credited to your account shortly after. The rate depends on the Sacco's performance, but we've consistently delivered above market returns, at 14%.
What happens to my savings if something happens to me?
Your savings are protected and will be transferred to your nominated beneficiary. We strongly recommend keeping your beneficiary information up to date. Additionally, the Benevolent Fund provides bereavement support to ease financial strain in the event of death.