Mobile menu
  • VTEM Image Show

    Save, Borrow, Grow

    Your Financial Partner
  • VTEM Image Show

    Our Vision

    To be the most reliable one-stop provider of competitive financial services in Africa
  • VTEM Image Show

    Award Winner

    Ushirika Trophy on best Loaning Services
  • VTEM Image Show

    Investment in Real Estate

    Invest in Land & Housing with Amref Housing Development Company - AHDC
  • VTEM Image Show

    What we Value

    Quality, Efficiency, Customer focus, Integrity & Reliability
  • VTEM Image Show

    Holiday Savings Account

    Save Towards Holidays. A Minimum of Kshs. 2,000 per Month
  • VTEM Image Show

    Payments made Easy

    Bank deposits and transfer, Mpesa & Check- off
  • VTEM Image Show

    You Win

    Save. Borrow. Grow
  • VTEM Image Show

    You need a Loan?

    We’ve got you covered

How to Join

One must be an employee of an Organization ..Click Here

Loan Calculator

Calculator computes an estimate of the size of  loan payments. Click Here

How to Pay

Bank deposits and transfer, Mpesa & Check- off.. Click here


Membership is open to all employees of organizations within the..Click Here


Get answers to frequently asked questions about our Products..Click Here


Download AMREF SACCO documents Today.. Find Out More



17-08-2016 Hits:41 News Super User - avatar Super User

You are invited to participate in this year’s CSR which will be held on Saturday 24"      September,  2016  at  Langata  Rd primary school.Last year we renovated one of the...

Read more

Member Organizations