Interest is calculated based on the type of savings account you have. For regular savings, interest is calculated on the average daily balance and paid annually. For fixed deposits, interest is calculated at the agreed rate for the full term and paid at maturity or at specified intervals.

Withdrawal policies vary by account type. Regular savings accounts allow withdrawals, but you must maintain the minimum required balance. Fixed deposits have specific terms, and early withdrawal may result in reduced interest rates. Special purpose savings accounts like education or retirement savings have specific withdrawal conditions aligned with their purpose.

You can check your savings balance through our mobile banking app, by visiting any of our branches, through our online banking portal, or by calling our customer service line. We also send quarterly statements to all members via email or post.

Yes, all savings at Reli Sacco are insured through the Deposit Guarantee Fund as per SASRA regulations. This provides protection for your deposits up to the limit prescribed by law.

• You need to fill in a membership application form and pay a membership fee of Kshs. 1000. Then submit the fully completed form to Sacco office for registration.

• Yes currently all our loans require guarantorship; however one can be a self guarantor up to 80% of their deposits if the deposits are not committed.

• A fully filled membership application form
• A copy of the National Identity Card/Passport (Both sides)
• Two recent color passport size photographs

Yes, by filling in a change in share contribution form and pass it to the office or one of the SACCO officials.

Consistent saving for a minimum of three (3) months qualifies for credit in the Society.

A member can access any loan product as long as he/she qualifies for the product and has the ability to service the loan.

Fully completed loan application form, Sufficient number of guarantors (depends on loan type), at least 2 current pay slips, A copy of National ID, Proof of active membership for at least three months.

Yes, by passing your pension or salary through the RELI SACCO SASA account, the 1/3 rule will be ignored during processing of your loan.

A member can resign from the SACCO by filling Membership withdrawal form. Any member with outstanding loan(s) withdrawing from the society while still employed shall pay full outstanding interest on the loan balance(s) and No guarantor will be allowed to resign from the society unless he or she finds another member to take his/ her place as guarantor.