When you buy RFS SACCO shares, you’re not just a member — you’re a co-owner. Shares build the SACCO’s capital, strengthen our ability to give affordable loans, and earn you annual dividends. Grow with us.

Share Contribution Details

Share Value: UGX 10,000 per share

Minimum Contribution: 100 Shares = UGX 1,000,000

Ownership: Every share gives you a stake in RFS SACCO’s growth and decision-making

You can purchase your minimum 100 shares at once or build up gradually through monthly deductions. Many members choose to buy additional shares over time to increase their dividends and loan eligibility.

Why Invest in RFS SACCO Shares?

• Earn Annual Dividends: Get a share of the SACCO’s yearly profits paid directly to you
• Increase Loan Power: The more shares you hold, the higher your borrowing limit
• Build Lasting Wealth: Shares form part of your long-term financial assets in the SACCO
• Have a Voice: Attend AGMs and vote on key decisions as a part-owner
• Secure Investment: Your capital helps fund fellow staff through affordable loans

How to Buy Shares

Visit the SACCO office or contact Member Support to complete a share purchase form. You can pay via bank transfer, mobile money, or arrange salary deductions to build your shares monthly.

Share capital is not withdrawable but is transferable to other members. Dividends are declared annually based on SACCO performance and approved at the AGM.