Savings Accounts

Savings Accounts provide opportunities to individuals and corporate bodies to accumulate regular savings. The Society offers both medium and long-term savings accounts to members

FOSA Savings Account
Ksh. 1000 / Opening/ minimum Balance

  • Held by all members joining the Sacco for their banking transactions
  • No monthly ledger fees
  • Used for Salary processing
  • Can be accessed through Visa Branded ATM Cards and Mobile Banking Services(Apstar kash)
  • Free Internal Standing Orders
  • No limitation on Cash withdrawals
  • Opening/minimum balance Kshs 1,000/=
Holidays Savings Account
No / Monthly ledger fees

  • Enables members to save for their holidays
  • Interest rates determined from time to time
  • No monthly ledger fees
Junior Savings Account
Ksh.500 / Minimum Balance with no ledger fees
  • Savings Account for SACCO member’s children under 18 years of age
  • Competitive Interest rates determined from time to time
  • Can be accessed through Mobile Banking Services(Apstar kash)
  • ID/passport of parents/Guardian is required
  • Birth Certificate/notification of the child
  • Minimum Balance Kshs. 500/= with no ledger fees
Elimu Savings Account
No / Monthly ledger fees

  • Enables members to save for future educational needs.
  • Free school fees bankers cheques
  • Interest rates determined from time to time
Our Other Services
Our Other Services

Over the Counter Services

Allows members to access unlimited cash over the counter at our FOSA branches


ATM Services

Allows members to withdraw cash from Co-operative Bank . Used for paying for goods and services in any VISA Branded outlets.


Point of Sale (POS) Services

Allows members to access cash from Co-operative Banks and Coop Kwa Jirani.


Mobile Banking Services

Can be accessed through Apstar Cash App and USSD - *882#
Allows members to access money in their Savings accounts through their mobile phones. Allows one to transfer funds from their savings account to other Banks through Pesalink and Bank Transfer. Other services on this platform are: Balance enquiry, Mini statement, loan repayment and mobile loans


Mpesa Services

Offered at all our Branches: Apstar Sacco M-Pesa Paybill - No. 953400

Salary processing

This service allows members to be paid salaries through their Savings Accounts.

Bankers Cheques

Allows members to access Sacco bankers cheques through their FOSA savings accounts

Standing orders

Members can initiate Periodic standing order instructions to pay obligations to other institutions like HELB, Insurance premiums and loan repayments.

RTGS /Electronic Money Transfer

Allows members to transfer funds from their Savings Accounts both Locally and Internationally through Real Time Gross Settlement and EFT (Electronic Funds Transfer).

Members’ Personal Cheque Books

Convenient to members who would like to make payments through personal cheques. This service is available for your transactional accounts for both Individual and Corporate Clients.

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