Membership Made Easy

Become a Member

Join our cooperative and take control of your financial future

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Smart Saving Starts Here

Save With Us

Secure your future with high-yield savings plans

Start Saving
Need a Loan?

How to Borrow

Discover our simple borrowing process and flexible credit terms

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Finance Your Future

Asset Financing

Get support to acquire land, vehicles, or equipment affordably

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Why Choose Us

KCCA Staff Multipurpose Cooperative Society

KCCA Staff Multipurpose Cooperative Society is a member-owned financial institution founded by Kampala Capital City Authority (KCCA) staff to empower members through savings, affordable credit, and financial growth.

Member-Owned Community

Since 2013, we've grown from 398 to 1,389 members, all with equal ownership in our democratic cooperative.

0 Active Members 10.59% growth from 2023

Financial Stability

Our UGX 18.85 billion in assets ensures stability, backed by regulatory oversight.

0 Billion UGX Assets 8.15% growth

Rewarding Savings

We manage UGX 13.71 billion in member savings, with 12% interest accessible via online banking.

0 Billion UGX Savings 12% interest paid

Affordable Loans

We provide emergency and development loans, with a UGX 17.35 billion portfolio for staff.

0 Billion UGX Loans 5% growth
KCCA Cooperative Team
12+ Years
Our Offerings

Products & Services

We provide comprehensive financial solutions tailored for KCCA staff needs

Member Savings

Regular savings account with interest earned yearly, flexible withdrawal terms, and structured contribution requirements.

Annual Interest
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Toto Savings

Special savings plan for young savers with annual interest, limited yearly withdraws, and parental account control.

Annual Interest
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Group Savings

Collective savings plans for groups with flexible withdrawal options, shared financial benefits, and annual interest earnings.

Annual Interest
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Fixed Deposits

Higher yield savings with fixed terms, guaranteed returns, and attractive interest over periods.

9% for 3 months
10% for 6 months
11% for 12 months
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Main Loan

General purpose loan for members with flexible repayment and eligibility.

14% p.a. Interest
Apply Now

Emergency Loan

Quick access funds for urgent needs with fast approval and repayment.

16% p.a. Interest
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Land Loan

Special facility for secure land purchase with flexible repayment terms.

13% p.a. Interest
Apply Now

Estate Development Loan

Home construction with phased disbursement.

12.5% p.a. Interest
Apply Now

School Fees Loan

Education financing with flexible repayment aligned to school terms.

13% p.a. Interest
Apply Now

GEEPAS

Exclusive discounts on home appliances and electronics for members.

14% p.a Intrest

Mantra Uganda Limited

Special deals on household equipment with cooperative financing options.

14% p.a Interest

Diamond Stars Limited

Preferred rates on household equipment through cooperative asset financing.

14% p.a Interest
Our Impact

Supporting KCCA Staff to Realize Their Dreams

KCCA Cooperative Performance
Our Recent Performance

Delivering Sustainable Financial Growth

KCCA Staff Cooperative continues to register outstanding results, with our core financial indicators demonstrating strength, consistency, and long-term value for our members.

Asset Growth

8.15% growth to UGX 18.85B in total assets.

Revenue Increase

3.2% rise to UGX 2.76B, driven by high loan demand.

Membership Growth

10.59% increase, now serving 1,389 active members.

Member Returns

15% dividend & 12% interest paid to members.

Member Experiences

How We've Made a Difference

KCCA staff member
This multipurpose cooperative has truly transformed my life. When I became a member, I was a Senior Six dropout. Today, I’m proud to say I’m a graduate and a landlord in Wakiso.
- Mathias Ssekamatte, Administrative Officer, Internal Audit
KCCA staff member
The KCCA Cooperative gave me the tools to growβ€”affordable loans, a safe place to save, and support when I needed it most. Today, I’m more financially stable and confident about my future.
- David Murungi, Officer Payments
KCCA staff member
As a founding member, I'm proud to see our Sacco thrive. It has transformed my lifeβ€”helping me secure land, buy a car, and plant a forest. I'm deeply grateful for its impact on me and our members.
- Donny Kitabire Muganzi, Deputy Director Treasury Services
Latest Updates

KCCA Multipurpose Cooperative Society News & Announcements

Convenient Services

Banking Made Simple

Access your funds anytime through our flexible banking channels.

Deposit Funds

Deposit options through our banking partners

  • DFCU Bank - 010111111448401
  • Stanbic Bank - 9030024266817
  • FlexiPay & PayWay

Withdraw Funds

Multiple convenient and secure withdraw options

  • Mobile Money (MTN/Airtel)
  • Cash at our offices
  • Agent banking network

Digital Banking

Manage your account anytime, anywhere

  • 24/7 account monitoring
  • Loan applications
  • Transaction history
Strategic Collaborations

Our Partners

We collaborate with trusted brands to deliver exclusive benefits to our members.