Ready to join? Complete your membership application online — have your ID and phone number ready.
Register onlineWhat separates our membership categories comes down to three numbers: the share capital you buy into, the minimum you save each month, and how much you can eventually borrow. Dividends, the office you walk into and the people who handle your account are the same either way.
Have a look at the figures below. If your income is modest now but growing, start lower — members move up as their circumstances change.
Prefer to just ask?
Our membership desk can talk you through the options in a few minutes.
+254 111 222 226/7Monday to Friday, 8:00 AM – 5:00 PM
Our lowest entry point, kept deliberately small for members still finding their footing — first job, campus, or a side hustle that has started to pay.
The middle ground, and where most members settle. An extra KSh 500 a month over Inuka lifts your borrowing ceiling five times over.
For members borrowing at scale — property, plant, expansion. This is the only category that reaches nine figures.
One thing worth saying: the monthly figure is a minimum, not a cap. Deposit more whenever you can — it counts towards your savings and your loan capacity.
Leave your details and someone from the membership team will call you back. The message is optional — skip it if your question is straightforward.
