Services

Check Balance

Need To Know Your Balance?

We offer the Service called Check Balance to Our Customers.Specifically aimed at improving our member’s homes and lively hood to the very best.

Book a Loan

Want  to book a loan?

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

Contact US

Self Service

*327#

To use Self Service you would have to Register your Phone Number.Register your Mobile Number.Simply dial *327# on a TNM Line and follow Screen Prompts.

Savings Culture

Promoting Savings Culture To Our Customers

We at UCSS promote the savings culture by:

1. Shares: A unit of ownership that represents an equal proportion of a company’s capital. It entitles its holder (the shareholder) to a claim on the company’s surplus (dividend)and an equal obligation for the company’s debts and losses.

2. Savings Accounts: A savings account allows members to accumulate interest on funds they have saved for future needs. Interest rates are compounded on annual basis. Savings accounts vary by interest rates, method used to calculate interest, and minimum opening deposit. Understanding the account’s terms will allow for a more informed decision on the account best suited for a member needs.

Savings and shares

Savings Account

A savings account allows members to accumulate interest on funds they have saved for future needs. Interest rates are compounded on annual basis. Savings accounts vary by interest rates, method used to calculate interest, and minimum opening deposit. Understanding the account’s terms will allow for a more informed decision on the account best suited for a member’s needs.

Accounts Avalaible

Ordinary Savings Account

Fixed Deposit Account

School Fees Account

Shares

A unit of ownership that represents an equal proportion of a company’s capital. It entitles its holder (the shareholder) to a claim on the company’s surplus (dividend)and an equal obligation for the company’s debts and losses.

Types Of Shares

Redeemable Shares

Non-Redeemable Shares

Loan Services

General Requirements
Must be an employee of the civil service, Applicants must have contractual capacity, minimum age of 18 years. Applicants must be nationals or permanent residents of Malawi,Have held a steady employment for about 5 months in the government and that his/her pay point is within our catchment area (Mzimba, Mzuzu, Nkhota kota, Kasungu and Nkhata Bay) Deduction cannot exceed the maximum limits as set by the Government of Malawi (current not to exceed 50% on net take home salary). Malawi national or permanent resident identity document such as Passport, Voters ID or Drivers license, departmental ID with a photograph.

Normal Loan

Material Loan

Relief Loan

Coffin Loan