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 Minimum account balance Kshs. 500 Minimum savings Ksh. 500 No ledger fees Minimum interest earning balance Kshs. 3,000 Salary can be processed in the account Accessed by ATM/Visa card and M-Sacco Chai Angels Junior Account Minimum monthly savings is Ks. 500; Minimum account balance of Ksh.500; No ledger fees; Attracts interest of 2% above savings account; 25% discount on bankers cheque; Three withdrawals a year. Chai Premier Holiday Account Minimum monthly savings is Ks. 1,000; Minimum interest earning balance is Ks. 5,000; A raffle ticket for a chance to win a holiday trip to destinations such as the Maasai Mara National Park among others; One withdrawals a year. Fixed Deposit Account Minimum amount is Ks. 10,000; Minimum period is three month; High interest rates negotiable depending on amount and duration of the fixed deposit contract; A fixed deposits contract is signed by both parties; One can access a quick FOSA loan of up to 80% of the amount of the Fixed Deposit at 1% interest rate per month reducing balance.