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Welcome to

United Civil Servants SACCO

United Civil Servants SACCO (UCSSACCO) is a member owned institution that offers a range of savings and credit products to civil servants, parastatals and private organization 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. It has grown to the current membership of 65 146 with an Asset base of MK 27 billion and Loan portfolio of MK 19 billion.

what we are expert at

Our Services



We provide both short-term and long-term loans ranging from cash to material loans designed to meet you dreams and goals. Our loans take less than 24 hours to get processed.



Money saved today saves you tomorrow. We offer fixed savings, ordinary savings and long-term savings in form of redeemable shares that earn dividends.


Welfare Fund

A funeral cover policy that prepares our members in times of death. Don’t withdraw your long term savings for funeral processes. You are covered!


Why Clients Choose Us?

Service to our Member is our Priority

High Perfomance Culture

Transparency and Accountability

Maximising Shareholder Value

Nurturing Cooperation with Stakeholders and Partners

Steward Leadership and Professional Management


Team Work

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Asset Base
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Loan Book

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