List Of Winas Sacco Branches And Contacts

Here is a list of Winas Sacco branches and their contacts. Winas Sacco, formerly Embu teachers Sacco, is a deposit-taking Sacco established in 1977. With an asset base of 8.34 Billion, Winas Sacco is one of the largest Saccos in Kenya.

List Of Winas Sacco Products

a) Back Office Services Activities (BOSA) Products

1. Domestic Loan

Repayment period of 18 months.

2. Super Loan

Meant to assist you to achieve long-term plans
Repayment within 72 months.

3. Biashara Loan

Must have a business permit or registration document to access this product.

4. Express Loan

A top-up of domestic loan
Repayment period of 30 months

5. Karibu Loan

Suitable for newly employed civil servants
Interest rates of 12% p.a.
Repayment period of 36 months

6. Normal Loan

Repayment period of 36 months
Interest rates 12% p.a.

7. Investment Loan

Repayment within 60 months

8. Smart Loan

Top-up of a normal loan.
Repayment within 42 months.

9. Vision 84

Product for long-term development with big capital outlay.

10. BOSA Loan Advances

This is an apportionment of any back office loan before funds are disbursed. It’s granted to customers with pressing financial needs that can’t wait until a loan is fully approved and all funds disbursed.

11. Bank Loans Buyoffs

The Sacco clears customer loans from other banks to relieve them of the expensive burden and high-interest rates.

12. Microcredit Loans

A competitively designed group-based/Chama loan for those running small-scale businesses but with growth potential.

13. Kilimo Loan

b) Front Office Services Activities FOSA Products

Savings Account
Fixed Deposit Account
Jolly Junior Account
Holiday Account
Scholars Account
Biashara Account
Ordinary Salary Advance- Repayable within 4 months
Special Salary Advance- Repayable within 8 months
FOSA Quick Loan – Repayable within 42 months
Emergency Loan- available if salary passes through FOSA.