Member savings
Build your savings through monthly contributions deducted from payroll. savings are withdrawable on demand, subject to a minimum MWK 3,000 book balance.
Learn about savings YOUR GOALS. YOUR SAVINGS. YOUR FUTURE.
Make your money work harder for your future.
A little saved consistently can make a real difference. At Chilungamo SACCO, members can save, access loans when they qualify, and take practical steps towards the things that matter to them.
Member-focused savings and credit
services since 2016
Small steps today.
More possibilities tomorrow.Save with purpose. Plan with confidence.
More possibilities tomorrow.Save with purpose. Plan with confidence.
Build your savingsOne contribution at a time
Since 2016Supporting member wellbeing
Built around membersMember-centred cooperative services
Save with purposeBuild a steady savings habit
Support when neededLoan options for eligible members
HOW WE CAN HELP
Practical financial services for real life.
Whether you are building savings, planning a project or dealing with an unexpected expense, our services are designed to support members along the way.
Loans for your plans
Explore normal, emergency, material and FiNES loan options. Eligibility, affordability and the relevant product terms apply.
Explore loan optionsShares & dividends
Members can hold redeemable shares and may receive a share of profits through dividends based on their share contributions.
Learn about shares
WHY CHILUNGAMO SACCO
Your financial goals deserve a plan—and the right support.
Chilungamo SACCO was formed to help judiciary and other government department employees improve their social and economic wellbeing through saving and access to credit.
- Encourages regular saving and thoughtful money management.
- Offers loan options for development and unexpected needs.
- Provides member services through a cooperative approach.
- Offers insurance products through partner CIC Insurance.
GET STARTED
Take your next step with confidence.
Find out how membership works, explore the available forms or get in touch with our team for guidance.
Become a member
Check the eligibility requirements and find out what you need to join Chilungamo SACCO.
Membership informationFind a form
Access membership, KYC, contribution adjustment, loan and fixed deposit form resources.
Browse formsSpeak to our team
Have a question about membership or a service? Contact us for more information.
Contact ChilungamoReady to take the next step?
Explore membership and see how Chilungamo SACCO can support your financial plans.