Fixed Deposit Account

Secure your future with our high-yield fixed deposit accounts offering guaranteed returns and flexible terms.

KCCA Cooperative offers you an opportunity to invest in fixed deposits and earn guaranteed attractive returns. Our fixed deposit accounts provide higher yields with secure, time-based investments that guarantee your principal and interest earnings.

Features

  • Minimum deposit amount is UGX 1,000,000
  • Maximum fixing period is 12 months (one year)
  • Guaranteed interest rates based on selected term
  • Flexible term options: 3, 6, or 12 months
  • Principal and interest paid at maturity
  • Option to reinvest upon maturity

Interest Rates

  • 3 months – 9% per annum
  • 6 months – 10% per annum
  • 12 months – 11% per annum
  • Interest is calculated on daily balance
  • Interest is paid at maturity

Requirements

  • Must be a KCCA staff member
  • Valid national ID or passport
  • Completed fixed deposit application form
  • Minimum deposit of UGX 1,000,000
  • Two passport-size photographs
  • Salary slip or employment letter
  • Signed fixed deposit agreement
Other Products

Other Savings Products

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 for groups with flexible withdrawal options, shared benefits, and annual interest earnings.

Annual Interest
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