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About Us

Story About Our Firm

United Civil Servants SACCO

United Civil Servants SACCO (UCSSACCO) is a member owned institution that offers a range of savings and crest products to both civil servants and non-civil servants in Malawi. We are an affiliate of Malawi Union of Savings and Cooperatives (MUSCCO). We are the biggest Savings and Credit Cooperative Society in Malawi, and 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 57,260 with an Asset base of MK17 biliion and Loan portfolio of MK13 billion.


Our Vision

To be the leading Sacco for wealth creation through unique financial solutions, Technological innovations and excellent member service.


Our Mission

To transform socio-economic lives of all Malawians


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

Asset Base
0 Billion
Loan Book

Frequently Asked Questions

Why do overdeductions occur?

Our Team


Our Service centers

Head Office

Head Office – Mzuzu

Thukuta house 3rd floor

Along M1 road, opposite RBM – Mzuzu

Email: info@ucssacco.com

Phone: 0881343806

Branch Offices



Mzuzu Branch Office

Situated in Mzuzu City Peace Building, along
M1 Road, opposite Katoto Secondary School
and community ground.

phone: 0887384769

Mzimba Branch Office

In SACCO house, situated along the road to
Mzimba main market, opposite Police Unit and
NBM – Mzimba Service Center

Phone: 0887384770

Nkhata-Bay Branch Office

Situated next to Nkhatabay Education Offices
and Nkhatabay Magistrate Court

Phone: 0887384769

Ekwendeni Branch Office

In SACCO house, situated next to Mzimba North
Education offices located at Ekwendeni, along
M1 Road to Karonga.

Phone: 0887 384 770

Karonga Branch Office

In SACCO house, situated next to Karonga
DEM offices and Red Cross Society.

Phone: 0887 384 754

Chilumba Branch Office

In SACCO house, along the M1 Road, opposite
Chilumba main market.

Phone: 0887 384 767

Chitipa Branch Office

Located in old NBS Offices, along the road to
Chitipa District Hospital, opposite main

Phone: 0887 384 762

Kasungu Branch Office

In Sacco house, next to Kasungu DC offices

Phone: 0887 384 777

Nkhotakota Branch Office

Located at Nkhotakota Boma, along the
lakeshore road, near cross roads.

Phone: 0887 384 751

Salima Branch Office

Situated in upstairs building, opposite the main
market and Salima Bus Depot.

Phone: 0887 384 761

Lilongwe Branch Office

Area 2 in central mall opposite Kamuzu
College of Health Sciences along Mzimba

Phone: 0887 384 758

Mangochi Branch Office

Situated at Main along the road to Bakili Muluzi
bridge, next Gym

Phone: 0887 384 753

Mponera Branch Office

Along the M1 Road, opposite Mponela NBM
Service Office

Phone: 0887 384 775

Balaka Branch Office

Situated at Balaka Boma, along the M1 road,
opposite Balaka NBM Service Center

Phone: 0887 384 779

Mchinji Branch Office

Opposite Mchinji Police Station

Phone: 0887 384 766

Thyolo Branch Office

Along the road, opposite MTL Building & New
District Hospital.

Phone: 0887 384 759

Blantyre Branch Office

Situated at Pamodzi Park, Opposite Leopard

Phone: 0887 384 755

Ntcheu Branch Office

Situated at Ntcheu Boma, along M1 Road.

Phone: 0887 384 760

Mulanje Branch Office

Situated at Chitakale Trading center, opposite
Mulanje Shoprite Mart along M1 road.

Phone: 0887 384 772

Zomba Branch Office

Situated in FDH Building along the M1 Road

Phone:0887 384 764 

Satellite Centers



Dedza Satellite Office

Kasumbu Road near Dedza depot, next to
Dedza Dynamo offices.

Phone: 0887 384 763

Neno Satellite Office

Located in CADECOM Building, near cross earth

Phone: 0887 384 771

Phalombe Satellite Office

Along the M1 road to Zomba, next District
Health Office

Phone: 0887 384 765

Mwanza Satellite Office

Located in Public Works Building.

Phone: 0887 384 778

Liwonde Satellite Office

Opposite Liwonde Foodland main market

Phone: 0887 384 757

Chiradzulu Satellite Office

Next to DC offices, Behind MEC office.

Phone: 0887 384 773

Nsanje Satellite Office

Situated in Mbanyale building, along the M1
Road, Towe Stage.

Phone: 0887 384 774

Chikwawa Satellite Office

Situated in Zonse Building, next to DEM offices,
opposite Chikwawa Community ground.

Phone: 0887 384 776