Front Office Services

In line with our mission to steadfastly provide responsive and innovative financial solutions to our members, in order to meet their financial needs and desires, we pride of a wide range of products and services and relentlessly aspire to meet and exceed our members’ demands.

1. FOSA

As a leading financial institution ranked amongst the biggest SACCO in this country, the Society through Front Office Services Activities (FOSA) offers many banking services conveniently through our branch network and at affordable rates.

  • Offers members opportunity to have withdrawable savings
  • Minimum account balance is Kshs 1,000/-
  • Comes with Saccolink ATM Card and M-Sacco
  • All loans are credited to this account after approval
  • Customers can also receive their salaries through this account
  • Salary advance and other advances available to customers who receive their salaries through this account.

This account is automatic upon registration of a new member. This is the account in which member funds e.g. loans and dividends are credited.

Members can also receive salaries through this account. As such, a member is required to fill the Salary Agreement form provided here and deliver to any FOSA office or send via EMS.

2. FEDHA Fixed Deposit Account

Members who want to fix a certain amount of money for an agreed period of time can open a Fedha Fixed Deposit Account and earn lucrative interest on their savings.

  • Minimum amount – Kshs 10,000/-
  • This product is open to individual Members
  • There is no monthly charge
  • It is flexible: Members can save for between 3 to 12 months
  • Attractive interest payable as shown below
Amount (Kshs) 3 Months 6 Months 9 Months 12 Months
10,000 to 50,000 4 % p.a 5 % p.a 6 % p.a 7 % p.a
51,000 to 100,000 5 % p.a 6 % p.a 7 % p.a 8 % p.a
101,000 to 500,000 6 % p.a 7 % p.a 8 % p.a 9 % p.a
501,000 to 1,000,000 7 % p.a 8 % p.a 9 % p.a 10 % p.a
>1,000,000 8 % p.a 9 % p.a 10 % p.a 11 % p.a

You can download the Fedha Fixed Deposit Account, fill and deliver the form physically to the Sacco or send via EMS

You can also download the form, fill and send as attachment through info@harambeesacco.com .

3. Toto Junior Account

It is said that “Children see in their parents their past, parents see in their children their future….” The Toto Junior Account is a stepping stone set up to support the child as they grow up and teach them the value of investing.

  • All registrations done in FOSA
  • Minimum account balance – Kshs 1,000/-
  • Minimum monthly savings – Kshs 500/-
  • Minimum interest earning balance – Kshs 5,000/-
  • Contributions can be made via checkoff, standing orders or cash
  • Account attracts an interest rate of 4.5% per annum payable at the end of every financial year
  • Free 3 withdrawals with bankers’ cheque for school fees (Above 3 withdrawals normal charges will be levied)
  • Birthday SMS for account holders
  • Free Piggy Bank issued for any account holder with Savings of Kshs 5,000/- and above.

You can download this Toto Junior Account Opening form, fill and deliver the form physically to the Sacco or send via EMS.

You can also download the form, fill and send as attachment through info@harambeesacco.com .

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