Join MUBS SACCO And Build A Better Future
Become part of a growing community committed to savings, investments, affordable credit, financial education, and economic empowerment.
Membership Overview
Membership is the gateway to all SACCO services including savings, loans, share capital, financial literacy and investment opportunities.
Every member becomes part owner of the SACCO and participates in governance and growth.
Why Become A Member?
Savings Opportunities
Access secure savings products.
Affordable Loans
Benefit from member-friendly credit.
Ownership
Become part owner of the SACCO.
Dividends
Participate in annual returns.
Financial Education
Improve financial literacy.
Community
Join a strong member network.
Membership Benefits
Access To Savings
Access To Loans
Dividend Opportunities
Voting Rights
Training Programs
Business Support
Who Can Become A Member?
Membership is open to eligible individuals, groups, institutions, employees, students, alumni, entrepreneurs, and organizations in accordance with SACCO policies.
Students
Eligible students may join.
Staff
Employees may participate.
Alumni
Former students may join.
Entrepreneurs
Business owners are welcome.
Groups
Registered groups may join.
Institutions
Organizations may participate.
Membership Categories
Student Membership
Designed for students seeking financial discipline and savings.
Staff Membership
Suitable for employees seeking savings and credit services.
Alumni Membership
Continue benefiting from SACCO services after graduation.
Associate Membership
Available for approved associates and stakeholders.
Student Membership
Student Membership encourages financial literacy, savings culture, entrepreneurship, and investment awareness among young people.
- Affordable membership.
- Financial education support.
- Savings opportunities.
- Future investment planning.
Staff Membership
Staff Membership provides access to savings, loans, investments, share capital, and financial support.
- Salary-based services.
- Development financing.
- Emergency support.
- Investment opportunities.
Alumni Membership
Alumni remain connected through financial services, networking, business opportunities, and investment support.
Group Membership
Youth Groups
Women Groups
Farmer Groups
Community Associations
Institutional Membership
Institutions may participate through structured savings, investments, financial partnerships, and specialized services.
Registration Requirements
- Completed application form.
- Valid identification document.
- Passport photograph.
- Required membership fees.
- Supporting documentation.
Required Documents
National ID
Passport Photo
Application Form
Supporting Documents
How To Become A Member
- Pick the right membership category.
- Fill the membership application form.
- Attach required identification documents.
- Pay the approved membership fees.
- Submit the form to MUBS SACCO.
- Wait for verification and approval.
- Receive your membership confirmation.
- Start saving, investing and accessing services.
Member Rights
Voting Rights
Participate in SACCO decision-making.
Access To Services
Use approved savings, loans and support services.
Information Access
Receive official reports, notices and updates.
Dividend Eligibility
Benefit from approved annual returns where applicable.
Member Responsibilities
- Save regularly and maintain active membership.
- Respect SACCO by-laws, policies and procedures.
- Repay loans according to agreed terms.
- Participate in meetings and member activities.
- Protect SACCO assets and reputation.
- Update personal information whenever necessary.
Membership Fees & Contributions
| Item | Description | Status |
|---|---|---|
| Registration Fee | One-time joining fee. | Applicable |
| Share Capital | Ownership contribution. | Required |
| Savings Deposit | Initial savings contribution. | Required |
| Member Card | Identification and service access. | Optional |
Member Code Of Conduct
Members are expected to act with honesty, respect, responsibility and commitment to the growth of MUBS SACCO.
- Be honest in all SACCO dealings.
- Respect fellow members and staff.
- Provide accurate information.
- Use SACCO services responsibly.
- Support transparency and accountability.
Member Participation In Governance
Annual General Meeting
Members participate in the highest decision-making forum.
Elections
Members may vote for approved leadership positions.
Consultations
Members may contribute views on SACCO improvement.
Reports
Members receive official governance and financial reports.
Member Training Programs
Savings Culture
Loan Management
Investment Planning
Business Growth
Retirement Planning
Digital Banking
Membership Growth & Impact
15,000+
Active Members
8+
Membership Categories
20+
Years Of Service
98%
Member Satisfaction
What Our Members Say
"MUBS SACCO helped me develop a strong savings culture and access affordable financing."
Student Member"The SACCO has supported my business growth through loans, training and financial guidance."
Entrepreneur"I appreciate the professionalism, transparency and member-focused services."
Staff MemberMembership Documents
Membership Application Form
Download PDFMembership Guide
Download PDFSACCO Constitution
Download PDFMembership Policy
Download PDFFrequently Asked Questions
Who can become a member?
Eligible students, staff, alumni, groups, institutions and approved associates may apply.
Is membership permanent?
Membership remains active provided the member complies with SACCO requirements.
Can I apply online?
Yes, where online registration services are available.
What benefits do members receive?
Savings, loans, share capital, training, financial literacy and investment opportunities.
Explore More Services
Subscribe To Membership Updates
Receive news, events, announcements and financial education resources.
Membership Support
Our team is ready to assist you with registration, account setup, membership services and enquiries.
Contact Membership TeamBecome A Member Today
Join a growing community committed to savings, investment, education, entrepreneurship and financial success.