Savings Accounts

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
  • Minimum balance to earn interest is Ksh. 3,000
  • No ledger fees charged on the account
  • Can be accessed through Mobile banking (M-Chai), over the counter and ATM card
  • Cash withdrawal can be done at anytime
  • Used for Salary Processing.

Chai Angel Junior Account

Chai Angel Junior Account has been designed for members’ children below the age of 18 years for the safe keeping

  • Minimum monthly saving is Ksh. 500.
  • Minimum account balance is Ksh. 500
  • Maximum three withdrawals per year
  • 25% discount on bankers’ cheque
  • The account is operated by the guardian
  • Interest paid at 2% above the interest paid on savings.
  • No ledger fees charged on the account.
  • Children given piggy banks for home savings and branded T-shirts.

Chaifama Loan

Chaifama loan serves the growing demand for affordable and more competitive loan product for the tea farmers

  • The member must have processed his/her proceeds in Chai FOSA for a period not less than 3 months
  • Maximum repayment period of 12 months
  • A member shall be granted a loan of up to Ksh. 15 per kilogram on 80% of the accumulated green leaves deliveries for 12 months beginning July of the previous year.
  • Repaid monthly from monthly proceeds or recovered once from annual tea bonus
  • Interest of 14% p.a. charged upfront. The interest will be calculated and loaded on the principal loan amount both to be recovered from the bonus or through monthly installment or combination of the two modes.
  • Member can only access one Chaifama Loan at a time.
  • Guarantors and collateral shall be required for loans above Ksh. 500,000.
  • Farmers’ pay point must be locked to Chai Fosa for the period of the loan.
  • Farmer to attached confirmed farm proceeds slips

Investment Loan

The Investment Loan offers members a facility to finance the purchase of plots and property being sold by Chai Diamond Investment Ltd

  • Maximum repayment period of 72 months
  • Interest rate of 1% p.m. reducing balance
  • Maximum loan of up to 4 times member deposits and must not exceed the value of the property being bought
  • Member can qualify for another investment loan on clearance arrangement within the security earlier provided.
  • Loan secured with deposits and purchased land/property

Chai Sacco at a glance

Chai Sacco Society Ltd is a Deposit Taking Society licenced by Sacco Societies Regulatory Authority (SASRA).” It is incorporated in Kenya under the Cooperatives Societies Act (CAP 490) 

The Society has been recognized internationally by the World Council of Credit Unions (WOCCU) in Micro-Finance Expansion Programme (MFI) among other sixteen SACCOs in the country as a model for others. The Society has also been selected by Micro-Save Africa in product Development Programme from micro enterprises to assist the organization in product development process. 


Core Values

Customer Focus

  • We commit ourselves to align our programs to the expectations of all our stakeholders and to attain the highest standards in service delivery.


  • We emphasize transparency and accountability in all our programs and activities at all times. We adhere to the principles of good governance and conduct ourselves in a manner that meets the set ethical standards.

Creativity & Innovation

  • We are a learning organization that continuously embrace change to enhance creativity and innovation for value-addition in our business processes.


  • We maintain fairness and impartiality in the conduct of our business by treating all our members and other stakeholders without any form of discrimination.


  • We embrace a collaborative culture at all levels in the implementation of our programs.


A world class Sacco in the provision of financial solutions


 To Provide customized financial products and services by continuously embracing change, technology and innovation for sustainable growth and development



KTDA Plaza,4th Floor,Moi Avenue 0709808100/0709808101 info@   Membership Application

Contact Us

KTDA Plaza,4th Floor,Moi Avenue 
P.O. Box 278-00200 City Square
Nairobi Kenya
Mobile: 0709808100/0709808101
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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