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Spire Fixed Deposit Account

Attract the best Interest Rates in the
market for your business.

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We started small,

so we know what it takes to grow.


Whether you’re buying or refinancing, we’ve got
lots of way to help your Chama start your first project.

This is a collection account to help Chamas to accumulate their savings towards a specific investment. The account can be opened by individuals or registered Chamas who pool resources together towards a common investment goal. However, for borrowing purposes, the Chama must be registered under the appropriate regulatory framework to be eligible for borrowing.


– Minimum opening balance – Kes 5,000

– No monthly account maintenance/ledger fees

-Transactions at Kes 33 + excise duty per transaction

-Attractive Interest paid on tier basis, half yearly

-Free half year statements.

-Internet Banking and Mobile Banking access

-Free cash & cheque deposits

-Free standing orders/internal transfers for Spire

customers into their United Chama account

-Free incoming Transfers – EFT/RTGS/Standing Order.

-Cheque book available as per Bank tariff.

-Account available in Kenya Shillings

-Access to loan facilities as per existing terms and conditions…? X3, Repayments should not exceed 80% of monthly contributions, to maintain funds already saved.

-Access to free Chama clinics – through an assigned Relationship Manager who will be attending the monthly Chama meetings

– Scheduled Chama clinics to offer advisory services legal, book keeping, investment options, financial planning for individuals/groups, management of investments, entrepreneurship coaching.

-Available in foreign currency – USD, GBP, EURO.


Your story starts here.

You’ve worked hard to get your business where it is today.
And Spire can help take it even further.