About Us

Organisation Profile

United Civil Servants SACCO (UCSSACCO) is an affiliate of Malawi Union of Savings and Cooperatives (MUSCCO). UCSSACCO is the biggest Savings and Credit Cooperative Society in Malawi. The SACCO 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 Head Office for is located in Mzuzu City, some 300Meters from Reverse Bank of Malawi Mzuzu Complex. The SACCO boasts of modernized service delivery through information technology.

Our Vision & Mission

Our Mission is to transform socio-economic lives of all civil servants in Malawi and  Our Vision is to be the most successful, reliable and leading SACCO in Malawi with visible presence in all regions


Core Values

We assist our members, who are all civil servants in Malawi, to create and grow a pool of funds by making regular savings. And therefore, they have easy access to cheaper loans.The members conveniently get these services through the most modern, innovative and technological channel.



1.Best Central Finance facility Saver – 2012

2.Best Central Finance facility Saver – 2011

3.SACCO of the Year – 2009

4.highest Membership growth – 2007

5.SACCO of the year – 2004

 6.Best Central Finance facility Saver,Highest Membership growth – 2001

Why apply with us

So many reasons out there to apply with us some of which are:

Multiple Loan Options

We at UCSSACCO have various Multiple loans to choose from.

Competitive Rate

Our Great Loan rates speak for themselves hence they are as competitive as they get.

Safe & Secure

We are a very safe and secure Organisation you can put your trust in us.

We are here to help you

We are here to deliver reliable, safe and secure help.

Apply For Loan

Looking to buy a car or home ? then apply for a loan now.

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Contact us

Talk to Advisor

Need loan advice? Our Head Office is located in Mzuzu City

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