United Civil Servants Sacco

United Civil Servants Sacco UCSSACCO is a member-owned institution that offers savings and credit products to employed Malawians
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Online Loan Application is hereApply for your UCSSACCO Loan anytime, anywhere using your phone, tablet, or computer.Visi...
27/08/2026

Online Loan Application is here
Apply for your UCSSACCO Loan anytime, anywhere using your phone, tablet, or computer.
Visit: https://loans.ucssacco.com
Apply Anywhere, Anytime
Track Application Status
Download Loan Schedule
All Loan Products Available
Apply Online
Today
• Fast
• Secure
• Paperless

UNITED CIVIL SERVANTS SACCO.Saving is Not Only About What You Earn.It is also about how wisely you use what you have. Av...
26/08/2026

UNITED CIVIL SERVANTS SACCO.

Saving is Not Only About What You Earn.

It is also about how wisely you use what you have. Avoiding waste, planning ahead and making the most of available resources can create greater value today while preserving them for tomorrow.

Financial Literacy Corner - SME LoansGrowing a business requires the right financial support at the right stage. The SME...
25/08/2026

Financial Literacy Corner - SME Loans

Growing a business requires the right financial support at the right stage. The SME Portfolio is designed to support small and medium enterprises with financing options that match their business needs.

SME LOAN CATEGORIES

1. Tikule Loan
• It ranges from Mk500,000 to MK5,000,000.
• Ideal for businesses requiring financing within this range to grow, expand, or strengthen operations.
• Repayment Period: 6 to 12 Months.
• Purpose: Working capital.
2. Chithumba Loan
• It ranges from MK5,000,001 to MK100,000,000.
• Designed for businesses requiring larger financing to support significant expansion and investment.
• Repayment Period: 6 to 24 Months.
• Purpose: Working capital & fixed assets.

"Choose the loan that matches your business needs, borrowing capacity and repayment ability."

Terms and Conditions Apply

UCS MOBILE QUICK GUIDEA. TO CHECK BALANCEDial *327 # then go to(1). "Balance Enquiry", then choose the product you wish ...
25/08/2026

UCS MOBILE QUICK GUIDE

A. TO CHECK BALANCE
Dial *327 # then go to
(1). "Balance Enquiry", then choose the product you wish to view balance
B. TO TRANSFER MONEY TO MOBILE WALLET
Go to (4). "Mobile Money"
,then go to (1) "Account to Wallet"
then choose the account that you wish to transfer funds from
C. TO TRANSFER WITHIN UCS SACCO
Go to (3). "Funds Transfer" and follow the instructions
D. TO VIEW STATEMENTS
Go to (2). "Other Enquires" and follow the instructions
E. TO CHANGE PIN
Dial *327 #
Enter the pin received via sms,
then go to (5). "Pin & Language" then choose(1). "Current Pin"
*Enter new pin(4 digit) *
*Re-enter new pin(4 digit)
*Enter current pin to confirm action(Pin received via SMS)

NZIKA SAVINGS ACCOUNTAbout NzikaNzika Savings account is for all retirees. It provides a safe place for pension deposits...
24/08/2026

NZIKA SAVINGS ACCOUNT

About Nzika
Nzika Savings account is for all retirees. It provides a safe place for pension deposits, offering flexible access to savings for daily expenses or emergencies.

Nzika Savings details
* Membership: Retired members
* Minimum monthly share contribution: K10,000
* Minimum monthly Deposit
Contribution: K3,000
* Investment Account: Optional (Investment account earns an annual interest rate of 15% per annum.)
* Service fee charge: K2,650
* Minimum total monthly contribution is K15,650
* Contribution Method: Cash or Bank
* No charges on withdraws
⁠
Umodzi Loan
It is a specially designed financial solution for retirees, offering them access to affordable credit to support their post-retirement needs.

Umodzi Loan Requirements
* Be a registered retiree member of
UCS SACCO
•Applicants much be nationals or permanent residents of Malawi.
* Have an active investment savings account with UCS SACCO.
* Have a national ID
* Not have an existing outstanding umodzi Loan at the time of application.
* The collateral of the Umodzi loan is the savings in the investment account.
* Loan Amount: The total loan amount, including interest, must not exceed 70% of the retiree's savings.
* Repayment Term: Maximum repayment period is 30 months.
* Loan Interest Rate: 3.5% per month on a reducing balance basis.

24/08/2026

Thank you for taking part in last week's quiz where we asked you to tell us the two SME loans offered by UCSSACCO and their corresponding maximum loan amounts.

The correct answers are below;
1. Tikule SME loan - the maximum loan amount is K5,000,000.
2. Chithumba SME loan- the maximum loan amount is K100,000,000.

Listed below are the winners!!. Send us your; Sacco Number, Phone Number, T shirt size and Your Location to our inbox.
1. Weniweni Senga
2. Charles Baraka Kiwambe Mwakyusa
3. Peace Ma Duwa Chauluka
4. Davie Kamwendo
5. Andrew Kalipande
Congratulations!! You will recieve your prize through your nearest UCSSACCO Branch or Satellite


It’s Quiz Time!🥳Who Knows?Tell us the two SME loans offered by UCSSACCO and their corresponding maximum loan amounts?The...
22/08/2026

It’s Quiz Time!🥳

Who Knows?
Tell us the two SME loans offered by UCSSACCO and their corresponding maximum loan amounts?

The first five members to answer correctly shall win a UCSSACCO branded T-shirt

We Care for your Welfare!Membership is not only about savings and loans, it is also about supporting you and your loved ...
21/08/2026

We Care for your Welfare!

Membership is not only about savings and loans, it is also about supporting you and your loved ones during life’s unexpected moments.

Mgodi Loan ndi DhiluCivil Servant aliyense atha kutenga ngongoleyi.Katengeni ngongole yanu ya Mgodi lero!M***anso kuteng...
20/08/2026

Mgodi Loan ndi Dhilu
Civil Servant aliyense atha kutenga ngongoleyi.
Katengeni ngongole yanu ya Mgodi lero!
M***anso kutenga ngongole pa lamya yanu kudzela ku: https://loans.ucssacco.com See less

20/08/2026

Moyo waphweka ndi MGODI LOAN. M***a kutenga ngongole ya MGODI yomwe tsopano ili pa promotion kufikira pa 10 October 2026.

Address

Area 13, City Centre, Public Service Pension Fund House, Third Floor Opposite Golden Peacock Shopping Centre P. O. Box 30197, Lilongwe 3
Lilongwe

Opening Hours

Monday 08:00 - 15:30
Tuesday 08:00 - 15:30
Wednesday 08:00 - 15:30
Thursday 08:00 - 15:30
Friday 08:00 - 15:30
Saturday 08:00 - 11:00

Telephone

+265881343806

Website

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