Savings that work as hard as you do
Build financial security one contribution at a time. HIFADHI members enjoy competitive dividends, flexible saving options, and complete peace of mind.
Every shilling saved is a step toward freedom
Saving isn't just prudent — it's the foundation of everything HIFADHI helps you build, from a first home to a comfortable retirement.
Security in uncertainty
A dependable cushion for emergencies means you never face the unexpected alone.
Wealth that compounds
Regular saving plus dividends turns small, steady contributions into meaningful capital.
Access to credit
Your savings and shares determine how much you can borrow — and at member-friendly rates.
A secure retirement
Disciplined saving today builds the comfortable, independent future you deserve.
Choose how you save
Compulsory Savings
Consistent monthly contributions that build your financial base and unlock borrowing capacity.
Voluntary Savings
Deposit any amount, any time, to accelerate your goals — with the flexibility you need.
Share Capital
Your ownership stake in the cooperative, earning annual dividends on performance.
Project your savings journey
Move the slider to see how steady monthly saving compounds over ten years.
Savings policies
Clear, fair rules that protect every member's interests.
- 1
Savings earn dividends declared annually by the Board, based on the cooperative's performance.
- 2
Compulsory monthly contributions underpin membership and borrowing eligibility.
- 3
Voluntary savings may be withdrawn in line with the savings policy and notice periods.
- 4
Share capital is a long-term commitment that anchors your ownership and credit capacity.
- 5
All member funds are managed transparently and reported at the Annual General Meeting.
Start saving with HIFADHI today
Join thousands of TANAPA employees building secure financial futures, one contribution at a time.