Save together. Grow together.

Luvota SACCO is owned by the people who save in it. Put money aside every month, earn a dividend on your shares, and borrow at fair rates when life calls for it.

Join Luvota SACCO See savings & loans

Work out your monthly repayment

Loan type Amount Repay over

You'd pay about —

12,000+members

18years serving members

9branches

11%dividend on shares last year

Something for every season of life

Start with savings. As your savings grow, so does what you can borrow.

Earns interest yearly

Ordinary savings

Save any amount, any time. Your savings set how much you can borrow.

Dividends yearly

Share capital

Own a part of the SACCO and earn a dividend every year at the AGM.

From UGX 5,000

Junior savings

Teach children to save with an account opened in their name.

Paid out on your date

Holiday savings

Lock money away for December, school or a big family event.

"The school fees loan meant my daughter never missed a term. I repaid it from my dairy income without stress."

Grace W., dairy farmer

Latest from the SACCO

All news

3 October 2026

Annual General Meeting set for March

All members are invited to the AGM, where we will share results and declare dividends.

New school fees loan rate

The school fees loan rate has dropped to 10% per year for the coming term.

Save through mobile money from anywhere

Members can now deposit savings and repay loans using MTN MoMo and Airtel Money.

Ready to start saving with us?

Join Luvota SACCO