• Digital Transformation
    Digital Transformation
    UCCFS has Transformed SACCOS from the Manual to Digital Systems in partnership with aBi Trust
    SACCONET is core banking system aimed at automating operations of small and medium microfinance institutions from paper-based to online.
  • Digital Financing Through Co-operatives (DIFICO)
    Digital Financing Through Co-operatives (DIFICO)
    To Enhance Digital Financing and expand the delivery of basic financial services through innovative technologies like mobile-phone-enabled solutions & Digital payment platforms through SACCOs.
  • UCCFS Loan products
    UCCFS Loan products

    Our loans range from 5million to 500million at an interest of 15-18% on reducing balance payable between 6-48 months 

  • UCCFS Agriculture Financing
    UCCFS Agriculture Financing

    UCCFS agriculture financing provides resources not only to the farmers but to the whole nation

  • Capacity Building
    Capacity Building

    UCCFS’ initiative in building the capacity of leaders, management and members is the first step to cooperative sustainability

  • Finance of Cooperatives' whole agriculture value chain
    Finance of Cooperatives' whole agriculture value chain

    UCCFS finances cooperatives for the whole agriculture value chain, (i.e production, post-harvest handling, bulking, processing and marketing) for increased member benefits

Welcome to UCCFS

Uganda Central Co-operative Finance Services (UCCFS) Limited is a National co-operative providing financial services to all types of co-operatives in Uganda. UCCFS is a member based organization, and therefore is owned, used, controlled and benefits members (co-operatives).



Creating opportunities for co-operatives growth and services to co-operators through efficiency and economies of scale


To be “a catalyst for a financially strong and competitive co-operative movement”

Savings Products

UCCFS' saving products range from Ordinary Savings, Co-operators Investment Account (CIA) , Institutional Reserve Account (IRA), Coop Target Savings Account to Business Investment Accounts with aim of providing interest on return and helping cooperatives grow. Read more

Loans Products

To provide financial facilities to cooperatives have got liquidity challenges and they are un able to meet cash demands on a daily basis. Loan size is Minimum 5,000,000 Ugx and Maximum 200,000,000 Ugx. Interest rate is18% per annum on reducing balance Read more

Micro Insurance

We offer member cooperatives and individual cooperative members protection against accidentals that could impede their ability to meet financial needs Read more

Coop Support Services

Members can improve their governance and create sustainable business strategies with the help of our experienced staff and network of international. Read more

Digital Financing (DIFICO)

Enhancing Digital Financing and expand the delivery of basic financial services to the financially excluded through innovative technologies like mobile-phone-enabled solutions and digital payment platforms through SACCOs. Read more


SACCONET is a cloud-based Banking “Software-As-A-Service” (SAAS) solution that provides a convenient, reliable and cheapest way to grow savings, access credit and make payments for Microfinance institutions, village banks or savings and credit cooperatives of any size. Read more

Financial Tips

Don't be scared to get started! Make sure you keep your records, stay organised and budget

Mrs. Ngabirano Justine - Mushanga SACCO
Jul 04, 2017

Upcoming Activities

No events
  • UCCFS Overview 2019
  • Saccos take on technology to boost savings
  • How Cooperatives in Uganda can leverage technology to grow
  • Uccfs launches MSACCO Mobile Banking
  • Official Launch of Digital Financing in Ntungamo
  • UCCFS Meet Our Members - Shuuku SACCO (Kanyomozi Arthur)
  • UCCFS Micro-insurance Success Story - Kemanzi Jacenta  (Shuuku SACCO)
  • UCCFS Meet Our Members - Kashongi Famers' SACCO (Twinamatsiko Rose)
  • UCCFS Success Stories - Lumbuye Stephen (Mubende Boda Boda SACCO)
  • Communities Accessing Micro-Insurance
  • Youth Savings Clubs: Improving Youth Livelihoods