Kera, Addis Ababa, Ethiopia Mon-Sat: 8AM - 5PM
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Henosis SACCO
Est. 2024
Since Foundation
1,500+ Members
ABOUT HENOSIS

We Help Members Grow Their Financial Future

Henosis Savings and Credit Cooperative was established in 2024 under Proclamation No. 985/2009, providing accessible, affordable, and sustainable financial services to its members. Guided by cooperative principles, we promote financial inclusion and economic growth. Our name "Henosis" comes from the Greek word for unity, reflecting our commitment to bringing people together for common financial goals.

Founded in 2024 by a group of dedicated professionals, Henosis SACCO began with 150 founding members who shared a vision of financial independence and mutual support. Today, we serve over 1,500+ members across two branches in Addis Ababa. We are committed to expanding our reach and impact across Ethiopia.

2 Branches
24/7 Digital Banking
2024
Founded
1,500+
Members
2
Branches
OUR PURPOSE

Mission & Vision

Guiding principles that drive our commitment to members

Our Mission

To improve the lives of members by delivering inclusive and affordable financial services, leveraging technology, safeguarding members' interests, strengthening community ties, and building strategic partnerships with key stakeholders for sustainable growth.

Inclusive Affordable Tech-Driven Sustainable

Our Vision

To be a technologically advanced model savings and credit cooperative in Ethiopia, promoting the social and economic well-being of its members and ranking among Africa's leading SACCOs by 2035.

2035 Goal Progress 40%
2024 2030 2035
Tech Advanced Africa Leading Member Well-being

"Save To Build A Better Capacity"

Our Journey

The Henosis Story

From humble beginnings to a growing financial family

2024

Foundation Year

Henosis SACCO was founded with 150 visionary members who believed in the power of cooperative finance.

🏆 Since Day One
2024

First Branch - Kera

Opened our flagship branch in Kera, Addis Ababa, serving the local community with comprehensive financial services.

📍 Flagship Branch
2025

Expansion

Opened Jemo branch and launched digital banking services, reaching 100+ members.

🚀 Growing Fast
150
Founding Members
2
Branches
1500+
Active Members
Our Principles

Core Values That Guide Us

The principles that shape every decision and interaction at Henosis SACCO

Integrity

We operate with transparency, honesty, and ethical practices in all our dealings with members and stakeholders.

Member-Centric

Members are at the heart of everything we do. Their financial wellbeing is our primary focus and motivation.

Innovation

We embrace technology and innovative solutions to provide better, faster, and more accessible financial services.

Excellence

We strive for excellence in service delivery, operational efficiency, and financial performance.

Community

We believe in giving back to our community and supporting local economic development initiatives.

Sustainability

We are committed to long-term sustainable growth that benefits current and future generations of members.

Why Choose Us

Few Reasons Why Members Choose Us

At Henosis SACCO, we put our members first with transparency and excellence

Competitive Rates

Loan interest starting from 12.5%, savings rates up to 7% per annum. Time deposits earn up to 24% interest.

Member-Owned

You're not just a customer, you're a co-owner with voting rights in AGM. Every member has an equal voice regardless of savings amount.

24/7 Support

Round-the-clock assistance at 6671 and online chat support. We're always here when you need us.

Quick Processing

Fast loan approval and disbursement. Get funds within 48 hours of application completion. Minimal paperwork required.

Flexible Products

Multiple loan types: Social, Business, House, Furniture, Electronics, Car, and Machinery loans with flexible repayment terms.

High Returns

Earn up to 25% on time deposits. Voluntary savings with no minimum amount and withdrawal options available anytime.

Become a Member Today
0

Active Members

0

ETB Assets

0

Loan Disbursement

0

Branches

Kera Branch   |   Jemo Branch

Savings Products

Build Your Future With Our Savings Plans

Choose the savings option that best fits your financial goals

Compulsory Savings

7% p.a
  • Minimum: ETB 2,000
  • Monthly contributions required
  • 7% of Saving interest
  • Required for loan eligibility

Voluntary Savings

7% p.a
  • No minimum amount required
  • 7% saving interest
  • Withdrawal option available anytime
  • Flexible saving as per capacity

Child Savings

10% p.a
  • Minimum: ETB 100
  • For children under 18 years
  • Parent/Guardian managed
  • Perfect for education & future
  • 10% saving interest
BEST VALUE

Time Deposit

Up to 25% p.a
  • Minimum: ETB 500,000
  • 1 Year fixed term (12 months)
  • Tiered rates: 20% → 25%
  • Higher deposit = Higher returns

Time Deposit Rates

1 Year Fixed Term | Guaranteed Returns

🔥 Up to 25% p.a interest rate
Standard (20%)
Elite (25%)
20% p.a
Standard Tier

Standard Rate (20%)

💰 Deposit Range ETB 500,000 - 1,000,000
📈 Maturity Return (on 1M) ETB 1,200,000
Guaranteed returns after 12 months
No monthly fees or hidden charges
Rate Comparison Table
Tier Deposit Range (ETB) Interest Rate Maturity Return (per 1M)
Standard 500,000 - 1,000,000 20% ETB 1,200,000
⭐ Elite 1,000,001 and above 25% ETB 1,250,000+
Standard Tier
20%
500K - 1M ETB deposit
1M ETB → 1.2M ETB after 1 year
Elite Tier ⭐
25%
1M+ ETB deposit
1M ETB → 1.25M ETB after 1 year
Start Investing Today
Terms and conditions apply. Interest rates subject to change. Contact us for more details.
Start Saving Today
LOAN PRODUCTS

Complete Loan Solutions

7 specialized loan products tailored to your unique needs

✨ All Loans (7)
👤 Personal
🏠 Property
🚗 Vehicle
💼 Business

Loan Calculator

Calculate your monthly payment instantly

1,000,000
12.5%
48 months
Social Business House Furniture Electronics Car Machinery

Your Monthly Payment

ETB / MONTH
28,450
Total Principal ETB 1,000,000
Total Interest ETB 365,600
Total Payment ETB 1,365,600

Social Loan

Up to
ETB 1,000,000
Saving amount 25%
Saving month 3 months
Up to 48 months
Repayment Monthly
✓ Quick Approval ✓ No Collateral

Business Loan

Up to
ETB 2,000,000
Saving amount25%
Saving month3 months
Up to48 months
RepaymentMonthly
✓ Working Capital ✓ Expansion
✦ PREMIUM

House Loan

Up to
ETB 12,000,000
Saving amount30%
Saving month6 months
Up to120 months
RepaymentMonthly
🏠 Long Term 🔑 Low Monthly

Furniture Loan

Up to
ETB 500,000
Saving amount25%
Saving month3 months
Up to24 months
RepaymentMonthly

Electronics Loan

Up to
ETB 300,000
Saving amount25%
Saving month3 months
Up to12 months
RepaymentMonthly

Car Loan

Up to
ETB 8,000,000
4 Flexible Options:
Option 1
50% saving
1 month period
Option 2
40% saving
3 months period
Option 3
30% saving
4 months period
Option 4
20% saving
6 months period
Up to 84 months Monthly Repayment

Machinery Loan

Up to
ETB 12,000,000
Saving amount50%
Saving month1 month
Up to120 months
RepaymentMonthly
✓ Equipment Purchase ✓ Business Growth

Complete Loan Products Comparison

Loan Type Max Amount (ETB) Saving % Saving Period Repayment Period Repayment
Social Loan1,000,00025%3 months48 monthsMonthly
Business Loan2,000,00025%3 months48 monthsMonthly
House Loan12,000,00030%6 months120 monthsMonthly
Furniture Loan500,00025%3 months24 monthsMonthly
Electronics Loan300,00025%3 months12 monthsMonthly
Car Loan8,000,00020-50%1-6 months84 monthsMonthly
Machinery Loan12,000,00050%1 month120 monthsMonthly

Car Loan - 4 Flexible Options

Option 1: 50% saving • 1 month
Option 2: 40% saving • 3 months
Option 3: 30% saving • 4 months
Option 4: 20% saving • 6 months
All options: Up to 8,000,000 ETB • 84 months term • Monthly repayment
7+
Loan Products
24-48 hrs
Approval Time
120 months
Max Term
12.5%
Starting Rate
PROTECTION & SECURITY

Insurance Services

Protecting what matters most - you and your family

✦ FREE COVERAGE ✦

Free Loan Protection Insurance

Qualified members receive free loan protection insurance that covers the outstanding loan balance in case of death or permanent disability.

Automatic coverage for qualified loans
No additional premium
Peace of mind for your family
Coverage Strength 100%
✦ LIFE INSURANCE ✦

Life Insurance

Affordable life insurance options for members and their families through our partner insurance companies, ensuring financial security for your loved ones.

Group life insurance rates
Family coverage available
Term life insurance options
Easy premium payments via savings account
Member Satisfaction 95%
24/7 Claim Support
Assistance anytime
No Hidden Fees
Transparent pricing
Trusted Partners
Top insurance companies

For more details about insurance coverage, please contact our member service team at 6671

INVESTMENT OPPORTUNITIES

Grow Your Wealth

Smart investment solutions to build your financial future

Member Shares

ETB 1000 min

Purchase shares and become a part-owner of Henosis SACCO. Earn annual dividends based on cooperative performance.

Voting rights in AGM
Annual dividend earnings
Ownership Stake Growing
✦ BEST VALUE ✦

Annual Dividends

Up to 30% p.a

Our members enjoy attractive dividend returns on their share capital and savings with consistent annual payouts.

This Year's Target 30%
Historical Return 25-30%
Month 6 Month 9 Month 12
Full payout within 1 year

Investment Advisory

⭐ COMPLETELY FREE ⭐

Get professional advice on investment opportunities, portfolio diversification, and wealth management.

Portfolio diversification
Risk assessment
Wealth management strategies
Certified financial advisors

Why Invest With Henosis SACCO?

1 Year
Growth Period
1,500+
Active Members
900M+
ETB Assets
Up to 30%
Annual Return

Your investments are secure with Henosis SACCO. Regulated by cooperative financial authorities.

DIGITAL BANKING

Mobile Banking

Bank on the go with our mobile banking app. Your finances, always at your fingertips.

Check balances anytime
View transaction history
Transfer funds between accounts
Apply for loans online
Pay bills and utilities
Receive instant notifications
Coming Soon
Available on Google Play and App Store
GET IT ON
Google Play
DOWNLOAD ON THE
App Store
9:41
Henosis SACCO
Total Balance
ETB 45,250.00
****1234
Balance
Transfer
Scan
Recent Transactions See all
Salary Deposit
Today, 09:30 AM
+ETB 25,000
Bill Payment
Yesterday
-ETB 2,500
Live demo preview
Welcome back,
Biniyam T.
Member since 2024
Savings Account
ETB 25,450
****2345
Share Account
ETB 5,000
500 shares
Active Loan View Details
ETB 150,000
Remaining: ETB 95,000
12.5%
Transfer
Statements
Loan
Support
Secure dashboard preview
ONLINE BANKING

Internet Banking

Manage your finances from your computer. Full control at your fingertips.

Secure online portal
Full account management
Download statements (PDF/Excel)
Apply for loans & track status
Make loan payments online
Secure messaging with support
256-bit SSL Encryption
Two-Factor Authentication
24/7 Availability

Need help? Contact our support team at 6671 or info@henosissacco.com

BECOME A MEMBER

Join Our Growing Family

Become a member-owner of Henosis SACCO and enjoy exclusive benefits

Registration Process

Complete your membership in 3 simple steps:

1
Visit any branch with required documents
2
Fill out membership application form
3
Pay registration fee (ETB 3,000) and purchase shares (min ETB 5,000)
Processing time: Approximately 30 minutes

Member Benefits

Annual Dividends (up to 30%)
Free Loan Protection Insurance
Financial Education Workshops
Voting Rights in AGM
Discounted Service Charges
Priority Loan Processing (24-48 hrs)
Plus many more exclusive member perks!

Membership Requirements

Documents Required

  • Valid National ID (Kebele or Passport)
  • Renewed Digital ID
  • 2 passport size photos
  • Proof of residence (utility bill or letter)

Financial Requirements

  • One-time registration fee: ETB 3,000
  • Minimum share purchase: ETB 5,000
  • Initial compulsory saving: ETB 2,000
  • Minimum age: 18 years
Total Upfront Payment: ETB 10,000 (Registration + Share + Compulsory Saving)
✓ One-time fee ✓ Lifetime membership

Online Registration

Start your journey with Henosis SACCO today

Minimum 8 characters with letters and numbers

Your information is secure and encrypted

Already have an account? Login here

LEADERSHIP TEAM

Management Team

Dedicated leaders committed to your financial success

Ahferom Gebreab

GENERAL MANAGER

Leading Henosis SACCO with strategic vision and operational excellence

Yetnayet Teklewold

DEPUTY GENERAL MANAGER

Supporting strategic initiatives and daily operations

Berekt Zelalem

EXECUTIVE OFFICE MANAGER

Managing executive operations with precision and efficiency

Tegegnwork Serawit

OPERATION MANAGER

Streamlining daily operations for maximum efficiency

Mhreteab Ayele

SAVING, CREDIT & INSURANCE MANAGER

Expert in financial products and risk management

Yordanos Yimer

MARKETING, COMMUNICATION & CAPACITY BUILDING MANAGER

Driving growth and member engagement initiatives

"Our dedicated management team works tirelessly to ensure Henosis SACCO members receive the best financial services and cooperative experience. Together, we grow stronger."

— The Henosis SACCO Leadership
STAY INFORMED

Announcements & Updates

Latest news and important updates from Henosis SACCO

May 15, 2025

Inaugural General Meeting 2025

All members invited to first AGM at Kera branch. Financial reports, dividends announcement, and board elections.

Read More
April 10, 2025

Jemo Branch Saturday Service

Jemo branch now offers Saturday services and loan processing. Extended hours for your convenience.

Read More
March 25, 2025

New Digital Member Portal

Member portal launched. Check balances, view transactions, and apply for loans online 24/7.

Read More
View All Announcements
Subscribe to Newsletter

Get the latest updates directly to your inbox

UPCOMING EVENTS

Mark Your Calendar

Don't miss these important events and opportunities

FREE EVENT
10
JUNE 2025
Tuesday

Financial Literacy Workshop

2:00 PM - 5:00 PM
Kera Branch

Free workshop on budgeting, saving strategies, and investment basics for all members.

IMPORTANT
28
JUNE 2025
Saturday

Annual General Assembly

9:00 AM - 12:00 PM
Kera Branch

Join us at Kera Branch. Review annual report, elect board members, and dividend distributions.

View All Events
Never miss an event!
Get reminders sent to your phone or email
Set Reminder
Financial Blog

Expert Financial Tips

5 Smart Saving Strategies

Learn how to build your emergency fund and save for major purchases with these proven techniques.

Read More →

Understanding Loan Interest

Simple vs compound interest explained. Make informed borrowing decisions.

Read More →

Why Join a SACCO?

Discover the benefits of cooperative banking vs traditional banks.

Read More →
Downloads

Resource Center

Membership Form

Download and complete the membership application form

Download PDF

Loan Application Form

Download the loan application form

Download PDF

SACCO Bylaws

Official bylaws under Proclamation 985/2009

Download PDF

Annual Report 2024

Financial statements and performance report

Download PDF

Member Handbook

Complete guide to membership benefits and services

Download PDF

Loan Policy Guide

Terms, conditions, and requirements for loans

Download PDF
COMMON QUESTIONS

Frequently Asked Questions

Find answers to common questions about our services

How do I become a member?
What are the loan requirements?
Where are your branches located?
How long does loan approval take?
What is the interest rate on savings?
What are your business hours?
Still have questions?

Can't find the answer you're looking for?

Contact Us
Testimonials

What Our Members Say

REAL STORIES, REAL IMPACT

Inspiring Member Achievements

Real success stories from our valued members

From Small Shop to Supermarket

"With business loans from Henosis, I expanded my small grocery shop into a thriving supermarket with 15 employees."
Biruk Ayele
Business Owner

Educational Dreams Realized

"The school fees loan helped me pursue my master's degree. Now I'm a department head with increased income."
Meron Tadesse
Teacher

Homeownership Achieved

"After saving with Henosis, I secured a home construction loan that turned my dream of owning a house into reality."
Dawit Haile
Driver

Have a Success Story to Share?

Your journey could inspire other members to achieve their goals

1,500+ Happy Members
ETB 700M+ Loans Disbursed
24-48 Hour Approval
COMMUNITY IMPACT

Making a Difference

Creating lasting positive change in our communities

Community Development Initiative

Our micro-loan program has helped over 400 small business owners in underserved communities start or expand their businesses, creating more than 500 jobs in the local economy.

400+
Business Owners
500+
Jobs Created
Learn More About Our Impact

Financial Education Outreach

We've conducted over 50 free financial literacy workshops reaching more than 2,000 community members, helping them make informed financial decisions for their families.

50+
Free Workshops
2,000+
Community Members
Learn More About Our Impact
OUR COLLECTIVE IMPACT

Together, We're Building Stronger Communities

ETB 700M+
Loans Disbursed
1,500+
Active Members
90%+
Member Satisfaction
Want to Make a Difference?

Join Henosis SACCO and be part of positive change

Become a Member
TRUSTED PARTNERS

Strategic Partners

Collaborating with industry leaders to serve you better

Ethio Telecom

Telecom Partner

Safari Com

Internet Service Provider

Commercial Bank of Ethiopia

Banking Partner

Hibret Bank

Banking Partner

Abissinia Bank

Banking Partner

Awash Bank

Banking Partner

Dashen Bank

Banking Partner

Ethiopian Insurance Corp

Insurance Partner

Trusted Partnerships
Strategic Collaboration
Shared Growth
Contact Us

Get In Touch

We're here to help with any questions

Send us a Message

Contact Information

Kera Branch (Head Office)

Around new taxi terminal, Famris Building 3rd floor, Addis Ababa, Ethiopia

Jemo Branch

Jemo 1, Delina Mall 2nd floor, Addis Ababa, Ethiopia

Phone

+6671

Email

info@henosissacco.com

support@henosissacco.com

Business Hours

Monday - Friday: 8:00 AM - 5:00 PM
Saturday: 8:00 AM - 12:00 PM
Sunday: Closed

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