Membership
Who can join
Three eligible groups only. Each section below states whether you qualify, what it costs to start, and what is most useful to you first.
Eligible groups
One section per membership group
Each group below answers whether you qualify, what it costs to start, and what is most useful to you first.
Member benefits
Why members stay
Real benefits from day one of active membership.
Access your savings anytime
Voluntary savings with withdrawals processed within one to two working days.
Affordable loans
Guarantor-secured or collateral-secured credit at member rates well below commercial lenders.
Affordable residential land
Secure land opportunities for members, including the Nakasajja Estate project at affordable prices.
Medical insurance
Family and individual medical insurance packages against general illness, critical care, and death.
Dividends and interest
Share dividends approved at the AGM, plus interest on fixed savings products.
Financial literacy training
Monthly, free training sessions for SACCO members only.
Bereavement support
SACCO contributions when members lose loved ones including children, parents, spouses, and siblings.
One member, one vote
Co-own the SACCO and shape its direction at every Annual General Meeting.
Cost to join
Fees & share capital
A one-time cost to become a co-owner of the SACCO, plus a small annual subscription.
| Item | Amount | Note |
|---|---|---|
| Membership fee (one-off) | UGX 50,000 | Paid once on joining |
| Minimum share capital | UGX 150,000 | 15 shares at UGX 10,000 each |
| Minimum total to join | UGX 200,000 | Membership fee plus minimum share capital |
Ready to apply? See numbered steps, payment details, and the online application form.
How to joinTake the next step
Ready to build your financial future?
Join intern pharmacists, registered pharmacists, and PSU staff already saving, borrowing, and growing with the SACCO.