Frequently Asked
Questions

Muhame is a member-owned savings and credit co-operative. Individuals and groups can join, and a parent or guardian can open an account for a child, at any of our 14 branches.

Download and fill in the right account opening form from our Downloads page, or pick one up at a branch. Then bring it to your nearest branch with your documents and our staff will take you through the rest.

Please bring a valid identification document, such as your National ID, and recent passport-size photographs. Group and minors' accounts need some extra details, which are listed on those forms. Your nearest branch can confirm exactly what to bring.

This depends on the type of account. Please ask your nearest branch for the current amounts.

We offer several accounts, including voluntary savings, fixed deposits, group savings and minors' savings. See our Products page for details of each one.

Yes. A parent or guardian can open a Minors' Savings Account at any branch using the Minors' Account Opening Form.

We offer loans for farming, business, education, home improvement, solar energy, water and sanitation, boda bodas and more, as well as group loans. See our Products page for the full list.

Fill in the loan application form from our Downloads page, or collect one from a branch, and hand it in at your branch. Our staff will assess your application and explain the terms before you commit.

Requirements depend on the loan and the amount. Your branch's loans team can tell you what applies to you, including any savings or security needed.

The interest rate, repayment period and schedule depend on the loan product and the amount borrowed. You will be given these details before you sign anything.

Yes. Fill in the Mobile Banking Registration Form from our Downloads page and hand it in at your branch to get started.

We have 14 branches across Sheema and neighbouring districts. Our Contact page has a map of every branch with phone numbers, opening hours and directions.