






Salary Loans
This is a personal loan granted to employees whose salary is processed through Centenary Sacco FOSA account.
LOAN FEATURES:
- Loan is eligible to sacco members whose salaries have been channeled through centenary sacco for atleast 1 month.
- Maximum loan granted is 9 times of 2/3 net pay.
- The maximum repayment period of 12 months
-Attach copies of original stamped payslips and must be endorsed by the employer.

Salary Advance
This is a short term loan granted to employees whose salary is processed through Centenary Sacco FOSA Account.
LOAN FEATURES
- Maximum advance granted is 3 times 2/3 net pay with a maximum repayment period of 6 months.
-Attach copies of original stamped payslips.
-This loan must be endorsed by the employer.

Kamua Pesa Loan
This is loan granted to dairy farmers whose milk payout is channeled through Centenary Sacco FOSA account.
LOAN FEATURES:
- Member qualifies 9 times average of 3 months payout.
- Loan repayment period is up to 12 months.

Vuna Majani Loan
This is a loan granted to tea farmers whose tea proceeds are channeled through Centenary Sacco FOSA account.
LOAN FEATURES
- Loan repayment period is up to 12 months.
-Maximum amount is based on previous years production in (Kgs).

Bonus/Coffee Advance
This is facility granted to Tea/Coffee farmers whose their tea/coffee proceeds are channeled through Centenary FOSA account.
LOAN FEATURES:
- Amount advanced is calculated at assumed rate of Kshs 10 per Kg.
- Loan repayment period is up to 3 months.

Jifunze Junior Loan
FOSA short term loan granted to Sacco members with active jifunze junior account to enable them finance education of their children.
LOAN FEATURES
- 80% school fees to be financed to Maximum amount 100,000
- Maximum payment period 12 months
- Jifunze account to be active for at least four month.
- Benefit – free bankers cheque

Salary Overdraft
Short term loan granted to employee whose salary is processed in centenary FOSA account.
LOAN FEATURES
- Maximum overdraft granted is half the net pay in the FOSA account.
- Loan is advanced after 15th day of every month and is fully recovered upon receipt of that month pay.

Classic Loan
Long term salary loan advanced to permanent and pensionable employees whose salary has been processed through the FOSA account in centenary Sacco for minimum 3 months.
LOAN FEATURES
- Maximum loan granted is kshs 1,000,000
- Maximum repayment period is 60 months
- Loan security is guarantors, employment benefits and other accepted member assets.
FOSA Services
BOSA Services
Quick Links
Branches
- Meru Branch
- Chuka Branch
- Kinoro Branch
- Mutuati Branch
- Marimanti Branch