Your Partner in Financial Growth

"Kamu kamu nigwo muganda" - Step by step we build together

Join 11,700+ members in Uganda's most trusted SACCO. Access affordable loans, secure savings, and build your financial future with confidence. Our community-focused approach ensures that every member receives personalized attention and support on their financial journey.

11,700+ Active Members
UGX 7B Total Savings
UGX 11B Loan Portfolio
2.0% Monthly Interest Rate

Our SACCO in Action

See how we're transforming lives across the Rwenzori region

SACCO Members Meeting

Community Meetings

Our members actively participate in decision-making processes

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Loan Disbursement Ceremony

Loan Disbursements

Helping members achieve their dreams through affordable credit

Apply for Loan
Financial Literacy Training

Financial Education

Empowering members with knowledge for better financial decisions

Our Services
New Branch Opening

Expanding Our Reach

Opening new branches to serve more communities

Our Branches
Agricultural Loan Beneficiary

Agricultural Support

Helping farmers increase productivity and income

Agricultural Loans

Register as Member

Join our growing family of 11,700+ members and start your savings journey today

Apply for Loan

Get loans up to UGX 200M at just 2% monthly interest on reducing balance

Make Payment

Pay conveniently via Mobile Money or download our M-SACCO app

Contact Us

Reach out to our friendly team for assistance and inquiries

Why Choose RWAKYAKIBUNYA SACCO?

Experience excellence in financial services with our member-focused approach

Secure & Reliable

Your savings are safe with us. Registered and regulated by the Registrar of Cooperatives since 2006 (Reg No: 7532/Rcs). Trust built over 25 years of service.

Affordable Loan Rates

Access loans at just 2% monthly interest on reducing balance. We offer agricultural, business, school fees, asset financing, home improvement, and motorcycle loans.

Flexible Savings Plans

Choose from voluntary savings, school fees collection accounts, fixed deposits, junior accounts, and compulsory savings. Save at your own pace and watch your money grow.

5 Convenient Branches

Visit us at our branches in Kibiito, Rwimi, Kahungye, Fort Portal, and Kyenjojo. We're always close to serve you better across the Rwenzori region.

Quick Processing

Fast loan approval and disbursement. Get your funds when you need them most. We value your time and understand urgency.

Community Focused

Born from the community, serving the community. We understand local needs and provide tailored financial solutions for individuals, groups, and institutions.

Calculate Your Loan

Plan your loan repayment with our easy-to-use calculator

Loan Calculator Tool

Get an estimate of your monthly payments at 2% interest rate

Your Loan Breakdown

Loan Amount: UGX 0
Interest Rate: 2% per month
Loan Period: 0 months
Monthly Payment: UGX 0
Total Payment: UGX 0
Total Interest: UGX 0

Financial Education Hub

Empower yourself with knowledge for better financial decisions

Smart Saving Strategies

Learn how to set realistic savings goals, create a budget that works, and automate your savings to build wealth consistently over time. Small, regular savings can grow into substantial amounts with compound interest.

Loan Management Tips

Understand how to borrow responsibly, calculate your debt-to-income ratio, and create a repayment plan that fits your financial situation. Always ensure your loan payments don't exceed 30% of your monthly income.

Agricultural Investment

Discover how to maximize returns from agricultural investments, plan for seasonal cash flows, and use loans effectively for farm expansion. Diversify your crops to mitigate risks and ensure year-round income.

Business Growth Tactics

Explore strategies for business expansion, managing operational costs, and using credit wisely to scale your enterprise sustainably. Reinvest profits to grow your business rather than taking on excessive debt.

Education Planning

Plan for educational expenses with our school fees savings accounts and learn how to finance education without compromising other financial goals. Start saving early to take advantage of compound growth.

Home Ownership Journey

Navigate the path to home ownership with our home improvement loans and learn about property investment as a wealth-building strategy. Property ownership provides both shelter and a valuable asset.

What Our Members Say

Real stories from our satisfied members across the Rwenzori region

"RWAKYAKIBUNYA SACCO transformed my farming business. With their agricultural loan, I expanded my coffee plantation and now earn three times more than before. The 2% interest rate is truly affordable and the staff are always helpful."

JK
John Kato

Farmer, Kibiito

"As a teacher, the school fees loan has been a lifesaver for my children's education. The application process was simple with no login required, and the funds were disbursed quickly when I needed them. I've recommended this SACCO to all my colleagues."

MN
Mary Nalwoga

Teacher, Fort Portal

"I started with small savings and gradually built up enough to qualify for a business loan. Now my retail shop has expanded, and I employ three people. This SACCO truly empowers small business owners with affordable credit and financial guidance."

RT
Robert Tumusiime

Business Owner, Rwimi

Ready to Start Your Financial Journey?

Join thousands of satisfied members who have transformed their lives with our financial services. Let us help you achieve your dreams step by step - "Kamu kamu nugwo muganda".

Register Now Contact Us