Savings
Your deposits aren't just an emergency cushion — they determine how much credit you can qualify for.
Explore savings products →Malawi's member-owned SACCO
Save together.
Borrow together.
Grow together.
Chitukuko SACCO is a democratic financial cooperative — owned by its members, not shareholders. Every deposit you make strengthens the fund your fellow members borrow from.
1986Founded in Blantyre
4Savings products
5Loan products
Member-owned
Every member is a part-owner, not a customer
Lower rates
Among the most competitive loan rates in Malawi
Double value
Borrow up to 2x your shares and deposits
What membership gives you
Four ways in, one fund working for everyone
Hover a card to see it in action. Your passbook — savings, shares, loans, and support — recorded the cooperative way.
01 · SAVINGS
02 · LOANS
Loans
A variety of loans at some of the lowest interest rates in Malawi. Borrow up to double your shares and deposits.
Explore loan products →
03 · SHARES
Shares
Shares make you a part-owner of the SACCO. Combined member shares are what fund one another's loans.
Learn about shares →
04 · SUPPORT
Get in touch
Shares are long-term savings, refundable in full when a member leaves the SACCO. Our team can walk you through it.
Contact the team →Plan ahead
See your repayments before you apply
Adjust the amount and term to get an instant breakdown using each loan's real published rate. The full calculator lives on the Loans page.
Interest rate applied4% / month
Loan processing feeMK 0
Monthly deductionMK 0
Total interest payableMK 0
Total repayableMK 0
Your actual maximum amount also depends on your current shares and deposits — confirm with a loans officer.
Media Centre
Latest from the cooperative
27 MAY 2025
Kangachepe Funeral Cover
Details on the funeral cover benefit available to members, part of the SACCO's ongoing welfare support.
Read notice →
27 MAY 2025
Bring a Member Reward Increase
The referral reward for bringing a new member into the cooperative has been increased.
Read notice →
23 APR 2020
Three-Month Moratorium on Loan Repayments
Financial cooperatives sector notice on a temporary moratorium for loan repayments.
Read notice →