Which Savings Plan is Right for You? A Deep Dive into Our Membership Accounts

Choosing a savings account is one of the first steps on the path to financial freedom. But with several options available, how do you know which one is the perfect fit for your unique journey?

At AZIRA S.H.G., we believe that the right tool can make all the difference. Your savings account shouldn’t be a one-size-fits-all product; it should match your income, your goals, and your stage in life. This guide will take a deep dive into our Membership Savings Plans to help you find your perfect match and start

Growing Together.

For the Beginner Saver: The Prime Plan

Are you just starting your savings journey? The Prime Plan is designed for you. It’s a simple, powerful, and accessible account created to help you build a consistent savings habit without any barriers.

It’s perfect if you want a straightforward way to set money aside without worrying about high entry requirements or monthly charges eating into your savings.

• Why it might be for you: You're a student, just started your first job, or you simply want a dedicated place to save with maximum ease.
• Key Features:
  • Low Plan Opening Balance of KSHS 100.
  • Low Minimum Operating Balance of KSHS 100.

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    No Monthly Maintenance Fee.

For the Ambitious Go-Getter: The Priority Plan

Are you ready to take your savings to the next level? The Priority Plan is for our members who have ambitious goals and are in a position to save more aggressively.

This plan is ideal if you're saving for a major milestone—like a down payment on a plot of land, capital for a significant business expansion, or building a substantial long-term nest egg.

• Why it might be for you: You have a stable income and want to make your financial growth a top priority.
• Key Features:
  • Plan Opening Balance: KSHS 1000.
  • Minimum Operating Balance: KSHS 1000.
  • A small Monthly Maintenance Fee of KSH 20.

For the Dedicated Student: The Student Plan

Navigating campus life comes with its own unique financial landscape. The Student Plan is specifically designed to empower students to manage their funds, save for academic needs, and build strong financial habits early on.

It’s the perfect tool for managing your HELB loan, saving up for a new laptop, or setting aside funds for project materials.

• Why it might be for you: You are a college or university student looking for an affordable, easy-to-manage account.
• Key Features:
  • Affordable Plan Opening Balance of KSHS 100.
  • Low Minimum Operating Balance of KSHS 100.

For Personal Growth: The Jijenge Savings Plan

"Jijenge" is the Swahili word for "build yourself," and that’s exactly what this plan is for. The Jijenge Savings Plan is for members who are focused on investing in their most important asset—themselves.

Use this account to save for a short course, a professional certification, tools for your craft, or seed capital for a side hustle that you’ve been dreaming of.

• Why it might be for you: You are actively saving to develop new skills or launch a personal project.
• Key Features:
  • Plan Opening Balance: KSHS 200.
  • Minimum Operating Balance: KSHS 200.
  • Monthly Maintenance Fee of Nill.

For Your Child's Future: The Junior Savings Plan

The greatest gift you can give the next generation is a head start. The Junior Savings Plan is designed for parents and guardians who want to plant the seed of financial literacy and build a fund for their child's future.

With no monthly fee, you can be sure that every shilling you save is going directly towards their education and well-being.

• Why it might be for you: You are a parent or guardian saving for your child's future.
• Key Features:
  • Plan Opening Balance of 200.
  • Minimum Operating Balance of 200.

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    No Monthly Maintenance Fee.

For the Goal-Oriented Dreamer: The Goals Savings Plan

Do you have a specific target in mind? A new smartphone, a holiday trip, or maybe new equipment for your business? The Goals Savings Plan is the ultimate tool for purpose-driven saving.

This account offers maximum flexibility, allowing you to save for your specific targets without worrying about fees or balance requirements holding you back.

• Why it might be for you: You are saving for a specific, tangible goal and want a dedicated account to track your progress.
• Key Features:
  • Minimum Operating Balance: KSHS Nill.
  • Monthly Maintenance Fee: KSHS Nill.

Your Journey Starts Now

Choosing the right savings plan is a crucial step towards taking control of your financial life. We hope this guide has made the decision clearer.

Ready to take the next step? Visit our website or talk to a member of our team today to open the account that’s right for you.