To become a member, fill an application form which can be downloaded and printed or get a hard copy from  Pay Offices, welfare Office and Unit Chief Clerk.

A person becomes a member of DESACCO by;
a) Duly filling a membership form
b) Paying one-time Registration fee of Kshs 600/= (non -refundable)
c) Minimum share capital Kshs 20,000/=
d) Monthly sink fund Kshs 300/=
e) Minimum monthly contribution (Deposits) of Kshs 3,500/=

An opportunity to save and access affordable loans at only 1% p.m.

Membership Eligibility to Defence SACCO is open to all Uniformed Serving and retired Personnel.

You can access various products and services including;
i. FOSA Accounts - FOSA Current Account, Junior Account, Save-As-You-Earn Account, Corporate Account, and Veteran Account.
ii. Credit Products - Mobile Loans (Okoa cash, salary advance, and salary in advance) and Jijenge Loan.
iii. Other services – mobile banking, ATM cards, bankers’ Cheque, fund transfers, standing order, salary processing, BOSA loans disbursement, and dividend payment.

Yes, by placing a standing order for both deposits and loan and you will enjoy various segmented products and services.

Yes, Once your salary has been processed through your fosa account for at least 3 months, you can easily apply for a mobile loan from the comfort of your phone and your loan will be disbursed immediately. You can apply for our mobile loans on our Desacco app on Google Play Store or USSD code *515#.