Empowering Financial Growth Since 1977.
Discover WINAS Savings and Credit Co-operative Society Limited, your trusted partner in financial success. Join us today and unlock your economic potential.
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Products and Services
SALARY LOANS
- Salary In Advance (Mobile Advance)
- Salary Advance
- Emergency Loan
- Fosa Instant Loan.
- Fosa Jijenge Loan
CHECK OFF LOANS
- Personal Loan
- Development Loan
- Bosa Loan Advances
- Bank Loans Buyoff
- Premier Loan
BUSINESS AND SME’S LOANS
- Micro-credit Loans
- Soko Loan
- Biashara Loan
- Kilimo Loan
- Capital Loan
SAVINGS ACCOUNTS
- Current Account
- Step Gap Account
- Jolly Junior Account
- Scholars Account
- Holiday Account
- Biashara/kilimo-biashara Account
- Fixed Deposit Account
News and Announcements
AGM 2025
Chairman and CEO Presenting a Gift to the Executive Guest duringthe AGM 2025
The Future of Financial Services in Kenya: WINAS SACCO’s Vision for Innovation and Growth
Introduction: The financial services industry in Kenya is rapidly evolving, driven by technological advancements and [...]
Financial Wellness for All: The Diverse Membership of WINAS SACCO
Financial wellness is essential for leading a stable and prosperous life. WINAS Savings and Credit [...]
How WINAS SACCO is Empowering Kenyan Entrepreneurs and Small Businesses
Introduction: In the ever-changing economic landscape of Kenya, entrepreneurs and small businesses play a crucial [...]
The Evolution of WINAS SACCO: From Embu Teachers to a Diverse Financial Powerhouse
Introduction: Since its establishment in 1977, WINAS Savings and Credit Co-operative Society Limited, originally known [...]
About Us
WINAS Savings and Credit Co-operative Society Limited, formerly known as Embu Teachers Sacco Limited, is a SASRA-licensed, modern, and fast-growing financial institution in Kenya. Established in 1977 to serve teachers in the larger Embu district, WINAS has since undergone a remarkable transformation.
With a vision to expand and diversify, we have rebranded and extended our membership beyond the education sector to include professionals and entrepreneurs from various fields. Our goal is to tap into the vast economic potential across all viable sectors in the Kenyan market and beyond, providing inclusive and innovative financial solutions to our members.
More about us
Skip the branch visit! Dial *582# now and manage your finances with M-Winas.
Testimonials
Joining Winas Sacco was the best financial decision I’ve made. Their mobile services with M-Winas are so convenient, and their interest rates on savings are fantastic!
Since switching to Winas Sacco, I’ve finally been able to save consistently. Their friendly staff and helpful loan options helped me achieve my dream of starting my own business.
Winas Sacco goes beyond just banking. They truly care about their members’ financial well-being. Their financial literacy workshops have been incredibly helpful.
Our Partners
