| PRODUCT | PERIOD | INTEREST RATE | LOAN LIMIT | NOTES |
| NORMAL LOAN | 36 months | 1.0% p.m on reducing balance | 3 three times the savings | 2/3 rule Been a member for 6 months |
| SPECIAL NORMAL LOAN | 48 Months | 1.08 p.m on reducing balance | Four times the number of shares and deposits | 2/3 rule Been a member for 6 months |
| KARIBU LOAN | 12 Months | 16.5% reducing balance | Targets newly recruited salaried members 2/3 rule 1/4 of approved loan is retained as Savings/share capital subject to minimum amount of Kshs.5, 000 |