Toto Savings Account

A special young saver's account designed to help children and young people build their financial future with KCCA Cooperative.

This is a young saver’s account. A member may open up a savings account for their children. It helps instill good saving habits from an early age while providing attractive returns and flexible access to funds throughout the year.

Features

  • Minimum savings amount of UGX 100,000
  • Permits 3 withdrawals in a year
  • Earns interest at end of year
  • Cannot be borrowed against
  • Designed specifically for young savers

Benefits

  • Teaches financial discipline from an early age
  • Annual interest earnings on savings
  • Limited withdrawals encourage long-term saving
  • Secure and regulated savings environment
  • Professional financial management
  • Foundation for future financial growth

Requirements

  • Parent/Guardian must be a KCCA staff member
  • Valid birth certificate or national ID
  • Completed Toto Savings application form
  • Initial deposit of UGX 100,000 minimum
  • Two passport-size photographs
  • Parent/Guardian identification documents

Application Form

TOTO Application Form

Download the official Toto Savings application form

Download
Other Products

Other Savings Products

Member Savings

Regular savings account with yearly interest, flexible withdrawals, and structured contributions.

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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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
Learn More