Savings Products

Chai sacco has unique savings products tailor made to your needs. Below click on any of our products and see the benefits

Savings Account

The flexibility of this account makes it irresistible for members. The Savings Account makes it easy for members to save and access the savings at any time as the need may arise.

  • Minimum monthly savings of Ksh. 500
  • Minimum account balance of Ksh. 500
  • Flexibility in accessing of cash through Mobile banking (M-Chai), over the counter, and ATM card
  • Minimum balance to earn interest is Ksh. 3,000.
  • Cash withdrawal can be done at anytime
  • Used for Salary Processing.
  • Compulsory to all members.
Chai Angels Junior Account

Saving for a child today is a wonderful gift for their future. Not only can they start their adult lives with some savings in hand, but getting kids involved early with saving also helps them learn important lessons about money.
Chai Angel Junior Account has been designed for children of members below the age of 18 years for the safe keeping of money and saving for the future of our children while enjoying other benefits along the way.


  • Minimum monthly saving is Ksh. 500.
  • Minimum account balance is Ksh. 500
  • Maximum three withdrawals allowed per year
  • Interest paid at 2% above the interest paid on savings.
  • Three free bankers cheques written to the school in case being used to pay school fee.


  • Interest is paid on the savings in Chai Angel Junior Account.
  • Suitable for savings money for paying school fee for the children.
  • Saves the member from taking loans to pay school fee.
  • Children given piggy banks for home savings and branded T-shirts.
Chai Premier Holiday Account

Chai Premier Holiday Account has been designed to offer members a savings facility towards a vacation plan.
Life can be stressful. Break away from your daily routine and get away to paradise with family and friends. Explore and experience the world annually and it does not have to be stressful, we make it easy for you through Chai Premier Holiday Account.


  • Minimum monthly saving is Ksh. 1,000.
  • Minimum interest earning amount is Ksh. 5,000.
  • Minimum account balance is Ksh. 1,000.
  • One withdrawal per year.
  • Account becomes dormant after 3 months of inactivity in the account


  • Discounted Holiday rates for Sacco members to various destinations across the world.
  • Reduces loan burden on members for purposes of holiday and anniversary celebrations.
Fixed Deposit Account

This is an investment account with a higher interest return on money put as fixed deposit.


  • Minimum amount to be fixed is Ksh. 10,000
  • Minimum period is 3 months
  • Competitive interest rates offered to members
  • Any premature withdrawal leads to forfeiture of interest
  • Fixed Deposit contract signed between the member and the Sacco.


  • Guaranteed returns as per the deposit contract
Chaifama Savings Account

Chaifama Savings Account is a unique account designed to meet the needs for small scale farmers who receive low monthly proceeds from their farming business. It is suitable for both tea, dairy and horticultural farmers.


  • No minimum account balance is required
  • Free processing of monthly payments of up to Ksh. 200
  • Free over the counter cash withdrawal for amounts up to Ksh 200
  • Minimum monthly share capital contribution of Ksh. 20
  • Registration fee of Ksh. 1,000 paid in monthly instalment of at least Ksh. 85 and balance recovered from the bonus.
  • Account can be accessed through ATM and M-Chai services.
  • Access to Chaifama Loan.

Feature Summary




Fee per







Cash Withdrawal Fee







Up to 200 85 20 0 0 44 66
201 - 999 85 20 20 30 44 66

1,000 -


85 20 45 50 44 66

5,000 -


85 20 75 60 44 66

10,000 and


85 20 100 100 44 66
saving prod
saving account
KTDA Plaza,4th Floor,Moi Avenue 0709808000 info@   Membership Application

Contact Us

KTDA Plaza,4th Floor,Moi Avenue 
P.O. Box 278-00200 City Square
Nairobi Kenya
Phone: +254 20 2214406/10
Mobile: 0733 330045 / 0701 314410
Fax: +254 20 22144410
We have a friendly team and a listening ear to fully meet your needs. Keep in touch with us online on the platforms below.


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