Where we are

We have 17 Branches and 8 Satellites across Malawi. Find our your nearest Service Center.

Fresh Start Loan

We understand the hustle of settling down as you start your first employment. Lets help you settle down as you wait for your first Salary.

Funeral Cover

Have Yourself, Spouse and Children under 18 years covered in times of death processed within 24 hours for only K250.00 montly premium.

Relief Loan

No one plans for an emergency. Get an instant laon repayable within 8 monthsto help solve your problem

Who we are

United Civil Servants SACCO (UCSSACCO) is a member owned institution that offers a range of savings and crest products to civil servants in Malawi and an affiliate of Malawi Union of Savings and Cooperatives (MUSCCO). It is the Biggest savings and Credit Cooperative Society in Malawi which started as a Study Club in 1992 before its incorporation with the registrar of Cooperatives in the Ministry of Trade and Industry in 1994 on 24th November as a SACCO.

Our Services


United Civil Servants SACCO offers a range of credit products that have been tailored to address both specific and general needs.

Funeral Cover

Death is inevitable and in most cases it comes when people are in finacial crisis. Once you join, you sutomsticslly become a beneficially of this service.


A savings account allows members to accumulate interest on funds they have saved for future needs. 


A unit of ownership that represents an equal proportion of a company’s capital. 

Latest News and Updates

Loan Calculator

Loan Calculator Mortgage Calculator
Mortgage CalculatorLoan Calculator
MKW per year
MKW per year

From your number one Sacco in Malawi

Posted by United Civil Servants Savings & Credit Cooperative Union on Saturday, 6 July 2019