Banana Hill, Kanja House, Karuri info@joinassacco.com +254 721 175585
Mon–Fri: 8:30am–4:00pm  |  Sat: 8:00am–12:00pm

FOSA Products & Services

Front Office Savings Activity — comprehensive savings, credit and financial services for members and the public.

Open an Account Mobile Banking Form

FOSA Products & Services

Comprehensive front-office financial solutions

Asset Financing
Asset Finance

Asset Financing

Supporting businesses and individuals in acquiring long-term assets including vehicles, machinery, equipment and land with structured repayment plans.

Key Benefits

  • Finance for vehicles, machinery & land
  • Competitive interest rates
  • Flexible repayment schedules
Johari Junior Savings
Johari Junior

Johari Junior Savings

A dedicated savings account for children below 18 years. Teach your child the value of saving early while earning interest on every deposit.

Key Benefits

  • Open for children under 18
  • Managed by parent or guardian
Holiday Account
Holiday Account

Holiday Account

A special savings account designed to help you set aside money throughout the year for holiday expenses — travel, gifts, events and entertainment.

Key Benefits

  • Periodic contributions throughout the year
  • Lump-sum payout at year-end
  • Earns interest on deposits
Salary Advance
Salary Advance

Salary Advance

Get early access to a portion of your earned wages to cover urgent expenses before payday. Fast, simple and with no hidden charges.

Key Benefits

  • Early wage access
  • Processed within hours
  • Repaid from next salary
Biashara Loan
Biashara Loan

Biashara Loan

Helping members expand and facilitate business ventures. Whether you're starting a new business or growing an existing one, this loan is for you.

Key Benefits

  • Suitable for all types of businesses
  • Flexible repayment
  • Low interest rates
Fixed Deposit Account
Fixed Deposit

Fixed Deposit Account

Earn higher returns by locking in your savings for a fixed period. Ideal for members who want guaranteed interest on a lump sum over time.

Key Benefits

  • Higher interest than regular savings
  • Fixed terms (3, 6 or 12 months)
  • Guaranteed returns
Micro-Credit

Micro-Credit

Small, accessible credit for members who need modest amounts for personal or small-business use. Fast approval, no complicated requirements.

Key Benefits

  • Small loan amounts
  • Easy eligibility criteria
  • Short repayment period

Safe Custody

Secure storage for your important documents, title deeds, certificates and valuables. Our safe custody facility keeps your assets protected.

Key Benefits

  • Secure, fireproof storage
  • Access during working hours
  • Affordable annual fee

Start Saving or Apply for Credit Today

Visit our offices at Banana Hill, Kanja House or call us on +254 721 175585 to open your FOSA account.

Download Membership Form