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.