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Spire Fixed Deposit Account

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

Learn More

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.