Are you ready to take control of your financial future while being part of a dynamic movement that empowers people through cooperative finance? Co-op Pay SACCO invites you to become a member of a trusted, member-owned savings and credit cooperative that is transforming how everyday people save, invest, and access capital across Africa and beyond.

🌍 Who We Are

Co-op Pay SACCO is a licensed and registered Savings and Credit Cooperative Society established to serve individuals, cooperatives, entrepreneurs, and businesses seeking affordable, accessible, and inclusive financial services. As a member-driven financial institution, we exist to meet your needs — not to profit from them.

We are proud to be the official SACCO Partner on coops.africa — Africa’s leading cooperative development platform — and the official SACCO Partner for investment in the Cooperative Debentures Exchange (CDE), giving our members exclusive access to some of the most innovative cooperative investment opportunities available on the continent.

💼 What We Offer Our Members

When you join Co-op Pay SACCO, you are more than just a saver — you become a co-owner, a decision-maker, and a direct beneficiary of a thriving cooperative ecosystem. Here’s what you gain:

💰 Savings & Deposits

• Flexible savings plans tailored to your goals

• Earn competitive interest on your deposits

• Save individually or in groups (e.g., clubs, families, cooperatives)

💳 Affordable Loans

• Access loans for business, education, housing, farming, or emergencies

• Fair interest rates and flexible repayment terms

• Loan access based on your savings and membership commitment

📈 Investment Opportunities

• Exclusive access to invest in co-op debentures through the Cooperative Debentures Exchange (CDE)

• Buy Now, Pay Later financing on co-op brand products and services

• Opportunities to invest in insured commodity-based funds supporting African women-led businesses

🛡️ Protection & Insurance

• Member-focused insurance options through partner cooperatives

• Risk-reduced investment portfolios insured for security and peace of mind

📚 Training & Financial Literacy

• Learn to save, invest, and grow wealth responsibly

• Access to financial education courses and cooperative investment training

🌟 Why Co-op Pay SACCO?

• ✅ Backed by Co-ops Africa: We are the official SACCO arm of Co-ops Africa — the pan-African cooperative development initiative.

• ✅ Licensed and Transparent: Your money is handled professionally and transparently by a SACCO governed by its members.

• ✅ Built on Cooperative Values: We promote democratic participation, shared prosperity, and community empowerment.

• ✅ Digital-First Access: Join and manage your membership from anywhere in the world through our secure digital platforms.

🔑 Who Can Join?

Membership is open to:

• Individuals (in Africa or the diaspora)

• Registered co-ops and SACCOs

• SMEs and informal businesses

• Women’s groups, youth clubs, church associations, etc.

All members commit to a monthly contribution which unlocks access to all services, voting rights, and the opportunity to build wealth together with others who share your values.

🚀 Let’s Build a Better Financial Future Together

By joining Co-op Pay SACCO, you gain access to financial tools and opportunities that empower you to grow. But more than that, you become part of a movement that is rewriting the future of cooperative finance across Africa.

Join today. Save together. Invest together. Prosper together.