Winas Sacco, formerly known as Embu Teachers Sacco, is one of Kenya’s leading deposit-taking Saccos. Established in 1977, the Sacco has steadily grown to an asset base of Ksh 9.79 billion, positioning itself among the largest and most successful Saccos in the country. It provides a variety of financial products and services aimed at meeting the needs of its members, particularly in terms of savings, credit, and investments.
Winas Sacco’s commitment to empowering its members through financial inclusivity and education makes it an ideal choice for many Kenyans, especially civil servants, small-scale business owners, and those looking for investment opportunities.
List of Winas Sacco Products
Winas Sacco offers a wide range of products through its Back Office Services Activities (BOSA) and Front Office Services Activities (FOSA). These products are designed to cater to both short-term financial needs and long-term investment goals.
Back Office Services Activities (BOSA) Products
- Domestic Loan
- Repayment period: 18 months
- Ideal for general personal financial needs.
- Super Loan
- Long-term plan loan with a repayment period of 72 months.
- Biashara Loan
- Requires a valid business permit or registration document.
- Express Loan
- A top-up for the Domestic Loan.
- Repayment period: 30 months.
- Karibu Loan
- Tailored for newly employed civil servants.
- Interest rate: 12% p.a.
- Repayment period: 36 months.
- Normal Loan
- Repayment period: 36 months.
- Interest rate: 12% p.a.
- Investment Loan
- Designed for investment purposes.
- Repayment period: 60 months.
- Smart Loan
- A top-up of the Normal Loan.
- Repayment period: 42 months.
- Vision 84
- Suitable for long-term development projects requiring significant capital.
- BOSA Loan Advances
- An advance on any BOSA loan to address immediate financial needs before full loan disbursement.
- Bank Loans Buyoffs
- Winas Sacco clears customer loans from other banks, helping them manage lower interest rates.
- Microcredit Loans
- Group-based loans, ideal for Chamas and small-scale business owners with growth potential.
- Kilimo Loan
- Tailored for agricultural financing.
Front Office Services Activities (FOSA) Products
- Savings Account
- Offers flexibility and convenience for daily transactions.
- Fixed Deposit Account
- Ideal for members looking to earn higher interest on long-term deposits.
- Jolly Junior Account
- A savings account designed for children to cultivate saving habits.
- Holiday Account
- Helps members save for holiday expenses.
- Scholars Account
- Tailored for students to save towards education expenses.
- Biashara Account
- Designed for business owners for day-to-day transactions.
- Ordinary Salary Advance
- Repayable within four months.
- Special Salary Advance
- Repayable within eight months.
- FOSA Quick Loan
- Repayable within 42 months, ideal for emergencies.
- Emergency Loan
- Available to members whose salaries pass through the FOSA account.
List of Winas Sacco Branches and Contacts
- Winas Sacco Head Office
Location: Teachers’ House, Kenyatta Avenue, Embu Town
Phone: 0727 436 211, 068-31091
Email: info@winassacco.com
The head office serves as the central hub for Winas Sacco operations and offers comprehensive financial services to members. - Kiritiri Market Branch
Contact: 0706 528 722
This branch provides services to members in Kiritiri and the surrounding regions. - Ishiare Market Branch
Contact: 0706 528 720
Serving members located around Ishiare Market, this branch offers a full range of Sacco products and services. - Matuu Town Branch
Contact: 0716 703 057
Members in Matuu Town and its environs can access all Sacco services at this branch, making financial management more accessible.
Why Choose Winas Sacco?
Winas Sacco stands out due to its diverse product portfolio that caters to a wide range of financial needs. Whether you’re looking for a personal loan, a business loan, or savings options, Winas Sacco has tailored solutions for various segments of society, from newly employed civil servants to small-scale entrepreneurs. Additionally, its long-standing reputation and strong asset base make it a trusted financial institution for those looking for stability and growth.
For more information about Winas Sacco, you can visit any of the branches listed above or reach out to the head office through the provided contact details.
