Membership

Join KCCA Staff Multipurpose Cooperative Society Limited and unlock exclusive financial benefits designed specifically for KCCA employees.

Why Join KCCA Cooperative?

Discover the exclusive benefits available to our members

High-Interest Savings

Earn up to 12% interest on your savings annually, helping your money grow faster than traditional banks.

Affordable Loans

Access loans at competitive rates (as low as 12.5%) with flexible repayment terms tailored for KCCA staff.

Annual Dividends

Receive dividends (15% in 2024) based on cooperative performance and your participation level.

Collective Bargaining

Enjoy discounted rates through our partnerships with suppliers like GEEPAS and Mantra Uganda.

Insurance Coverage

Benefit from group insurance schemes and emergency financial support when you need it most.

Financial Growth

Participate in investment opportunities like our Estate Development projects with guaranteed returns.

Requirements

  • Current employment with Kampala Capital City Authority (KCCA)
  • Valid identification (National ID, Passport, or Driver's License)
  • Recent passport-size photographs
  • Proof of employment (appointment letter or staff ID)
  • Completed membership registration form
  • Commitment to regular savings contributions

Registration

1

Download Form

2

Complete & Submit

3

Pay Fees

4

Activation

Download
Process Notes:
  • Processing time: 3-5 working days
  • All documents must be submitted in person at our office
  • Mandatory orientation session after approval
  • Bring all required documents listed in requirements section
  • Office hours: Monday to Friday, 8:30 AM - 5:00 PM

Frequently Asked Questions

Get answers to common questions about membership

Membership applications are typically processed within 3-5 working days after submission of all required documents. You'll receive an SMS notification once your application is approved.

We require a minimum monthly savings contribution of UGX 50,000 for regular members. However, you're encouraged to save more to maximize your benefits and loan eligibility.

Regular savings can be withdrawn with 30 days notice. Fixed deposits have specific terms (6 months to 5 years) with higher interest rates. Emergency withdrawals may be approved under special circumstances.

Loan eligibility depends on:
1) Your savings balance (typically 3x the loan amount)
2) Length of membership (minimum 3 months for most loans)
3) Existing loan obligations
4) Your repayment capacity

Your membership remains active for 6 months after leaving KCCA. During this period, you can:
- Continue as an associate member (with different terms)
- Withdraw your savings
- Transfer to another SACCO
After 6 months, inactive accounts are subject to dormancy fees.