Typical Branch Operating Hours
For round-the-clock financial services, members can utilize the following options:
Access funds 24 hours a day on all VISA branded ATM, also usable at point-of-sale systems (supermarkets, hospitals, hotels, fuel stations etc.).
The mobile banking service allows members to withdraw money, check balances, and transfer funds without visiting a branch.
The guidelines for transacting on the M-Coop Cash platform for an Afya Sacco member follow the general procedures provided by Co-operative Bank, as Afya Sacco is integrated with Co-op Bank’s services. All transactions are done via the USSD code *667*2# or the Sacco M-Coop Cash App.
Use your mobile phone to dial *667# or open the Co-op Bank App.
Enter your secure 4-digit M-Coop Cash PIN to access the menu and authorize all transactions.
Ensure your Afya Sacco FOSA account is successfully linked to your M-Coop Cash profile.
You will receive an SMS confirmation for every completed transaction.
Do not share your PIN.
Afya SACCO operates a network of ten FOSA (Front Office Service Activity) branches strategically located in major towns and general hospitals across the country to serve its members conveniently. These branches are networked, allowing members to transact from any location. FOSAs offer services similar to commercial banks, including savings accounts, loan encashment, and salary processing. Additional services available are ATM access through SACCO LINK VISA ATMs, M-coop cash for mobile transactions, fixed deposits, bankers’ cheques, standing orders, and EFTs.
If you have any questions regarding FOSA, our dedicated team is ready to assist you. Please feel free to visit any of our nationwide FOSA branches during working hours, or contact the branch nearest to you via phone or email for prompt and friendly support.
This specialized facility is designed for salaried members and shareholders to facilitate seamless payroll processing with a minimum operating balance of KES 1,000. It offers high-liquidity access through ATM, mobile, and over-the-counter channels without the burden of monthly ledger fees.
Providing a versatile financial foundation for members, this account requires a KES 1,000 opening balance and features zero monthly ledger fees. It streamlines fund management by offering complimentary internal transfers and a daily withdrawal ceiling of KES 500,000.
Tailored to foster early financial literacy, this account allows members to save for their children with an accessible minimum opening balance of KES 200. The product ensures maximum flexibility for parents with unlimited withdrawal terms and no monthly maintenance charges.
A collaborative savings solution for family members, this account requires a KES 1,000 opening balance and mandates specific signing instructions for secure over-the-counter withdrawals. It provides additional value through complimentary internal transfers and serves as a gateway for members to access group-based credit facilities.
Specifically structured for year-end goals, this account caters to individuals and groups with a KES 1,000 entry point and variable interest earnings. To encourage disciplined saving, funds are accessible exclusively at the end of the year via over-the-counter transactions.
This investment-oriented account allows members to lock away funds at competitive current interest rates for a contractually agreed-upon duration. Upon maturity, members can access their principal and interest through multiple channels, including ATM, mobile banking, and over-the-counter services.
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A co-branded Visa card that provides members with 24/7 global access to their funds via ATMs and Point of Sale (POS) terminals.
A digital platform enabling seamless real-time transactions, including deposits, withdrawals, and utility payments directly from a mobile device.
Facilitates the secure and efficient transfer of high-value or bulk payments between different financial institutions both locally and internationally.
Provides members with a highly secure environment for the storage of valuable physical documents and assets, ensuring protection against loss or theft.
A guaranteed payment instrument issued by the Sacco, offering a secure alternative to cash for significant financial settlements and transactions.
An administrative service that manages the processing and settlement of cheques drawn on other banks for credit into the member’s FOSA account.
AFYA SACCO is a member-driven financial cooperative dedicated to empowering Kenya’s health community through reliable savings, affordable credit, and sustainable financial solutions.
Supports long-term savings and access to affordable loans for personal, business, and investment growth.
Provides convenient day-to-day banking services including savings, withdrawals, payments, and salary processing.
These accumulated savings serve as essential collateral for credit facilities and earn competitive annual interest (rebates) for the duration of the membership. Funds are refundable only upon formal withdrawal from the Sacco, contingent on the full settlement of all outstanding liabilities and guarantee obligations
Representing a member’s permanent ownership stake, these non-withdrawable units are transferable instruments that earn annual dividends based on institutional profitability. Members must maintain a minimum threshold of KES 20,000, which can be achieved through lump-sum payments or structured periodic contributions.
This specialized product supports retirees whose pensions are processed through FOSA, offering credit within their existing deposit limits for medical or development needs. It features a preferential low interest rate of 0.5% on a reducing balance with a 36-month repayment cycle.
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A long-term financing solution for business expansion or development, providing up to four times member deposits with a tenure of up to 84 months. It features a 15% amortized interest rate and accepts diverse collateral, including logbooks and title deeds.
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This product targets medium-term projects and educational funding for consistent contributors of at least six months, offering up to three times their savings. It is fully secured by guarantors and deposits, with a 48-month repayment period at 1.17% monthly interest on a reducing balance.
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