Join as a Referral Member

Referral membership is open to individuals referred by an active member, including a member’s spouse, children who are of legal age, other family members, friends and any other individual referred by the active member. (Refer to AMREF SACCO REGISTRED By-Laws

Application process as a referral member is as follows:

  1. Complete the Referral Membership Form (download here)
  2. Complete sections B, C, D & E and attach a copy of your ID, KRA Pin certificate and either of the following:
    • Employment contract/appointment letter or 
    • business registration certificate or 
    • a canceled cheque or 
    • a letter from your Kenyan Bank confirming that you are an account holder with them.
  3. Submit form for approval with all fields filled and relevant documents attached to

Membership, Benefits and Conditions 

  • Pay Ksh. 2,000 entrance fee which is deducted from the initial member deposit contribution.
  • Pay the minimum share capital of Ksh 30,000 (payable in a maximum of 15 installments of Ksh. 2,000).
  • Pay a minimum of Ksh. 2,000 every month toward the member deposit account.
  • Member qualifies for loans after 6 months of membership.
  • Membership withdrawal – 60 days written notice is required. An exit fee of Ksh 2,000 will be charged.
  • FREE last expense cover for all active members. Ksh 150,000 funeral costs is payable to nominated next of kin upon a member’s demise.
  • FREE deposit cover for all active members. Upon the member’s demise, beneficiaries will receive an additional deposit amount equivalent to what the member had saved. The maximum top-up is Ksh 3 million.

Want to Join AMREF SACCO? (Referral Member)

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