Access your savings during November, December, and January to cover your Christmas expenses.
This savings account is accessible during the festive period. Members can deposit a minimum of K15.00 per fortnight or month.

Withdrawals are allowed during November, December and January each year. A savings withdrawal processing fee of K1.00 applies for each successful transaction.

An account to help fund expenses for the education of your children or grandchildren.
This savings account is specifically for education related purposes.

Members can deposit a minimum of K20.00 per fortnight or month.

Withdrawals are allowed only for education related purposes
Minimum balance of K50.00 must always remain in the account.
Quotations from supplier(s) of stationery, goods and services or school fee invoice must be attached with each application.

Whether you’re saving for a holiday, or just a rainy day, our savings account will help get you there.
This is a savings account for all purposes.

- Members can deposit a minimum of K20.00 per fortnight or month.
- Minimum withdrawal of K200.00
- Withdrawals up to 50% of net total savings balance
- One withdrawal per month is allowed

Kids Savings Account is a trustee account available to any child aged from infancy to 18 years old, with parental consent. This applies to children of both ncsl members and non-members.

Members can deposit a minimum of K1.00 per fortnight. Regular deposits are encouraged. However, failure to deposit within the first 3 months will result in the account being systematically locked. Locked accounts can be activated by depositing money into the Kids Savings Account.

Will my savings attract interest?
Yes, the Society pays monthly interests on your total savings balance and also pays annual interest topped up after finalization of audited financial statements.

Can I take a loan against my savings?

Can my parents use my savings as security to obtain loans from ncsl or other financial institutions? 


A Poro card is a domestic debit card issued to ncsl members that conveniently allows access to their transactional account funds and or for everyday shopping.
To apply for a Poro card you must be an active contributing ncsl member over the age of 18 years.
-A deposit of K10.00 will be debited from your General Savings account (GS) to open your Poro account.
-It is preferable that every member has a Poro card for instant access to loan and withdrawal proceeds.
-Children with a KSA account will not be issued a Poro Card.

The Poro card is issued together with a unique 4-digit PIN, generated specifically for your Poro card. It is your electronic signature used to approve and secure every transaction done from your card. The number is given to the cardholder and should be known only to the cardholder. The member is at liberty to change the PIN at any of our Eftpos terminal.

-The Poro card, similar to other bank cards, can be used to purchase goods and services at selected retailers using ncsl Eftpos terminals.
-The Poro card is only linked to your Poro account. You cannot access your savings using your Poro card.
-You can apply for a poro card by completing the Poro Card and Account application form at any ncsl branch or download it from the button below

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