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How to Join Amref Sacco  


Membership is open to staff of organizations affiliated to check-off arrangement, former staff of the affiliated organizations, member’s spouse and children who are of legal age, any other individual referred by an active member. (Refer to AMREF SACCO By-Laws)

Application process is as follows:

A. Check-off members

  • Complete the application for Membership Forms (download here )
  • Complete Authorisation Form to deduct (download here)
  • Present the forms to your payroll/HR office for submission to the Sacco office.  

B. Referral members

  • Complete the Referral Membership Form (download here)
  • Submit form for approval with all fields filled and relevant documents attached to This email address is being protected from spambots. You need JavaScript enabled to view it.

Required contributions

  • Pay Ksh. 2,000 non-refundable application fee.
  • Pay minimum share capital of Ksh 10,000 (payable in a maximum of 5 installments).
  • Contribute a minimum deposit of Ksh. 2,000 every month

Benefits to Members  

AMREF SACCO is committed to providing the following services diligently:

  • Wide range of loan facilities ranging from: Development, education, emergency and value addition products
  • Attractive dividends on share capital.
  • Interest on members deposits.
  • Fast loan processing with no loan backlogs.
  • Friendly and professional services.


Member Organizations