Products & services
Built around how our members actually save and borrow.
No hidden tiers, no jargon you need a branch visit to decode. Here's exactly what each account offers, and what comes with it.
Savings Accounts
Deposit and withdraw whenever you need to.
- Minimum balance: UGX 20,000
- Deposit or withdraw at any time
- Full statement history in the member portal
Children's Savings
Start them saving before they can even sign for it.
- Anyone can open one for a child, whether or not they're a member themselves
- A parent or guardian authorizes every withdrawal until the child turns 18
- Once the child turns 18, the account carries on as a normal savings account automatically
Loans
Three ways to borrow, depending on what you need.
- Quick Loan: 10% per month, fast processing for smaller, short-term needs
- Normal Loan: 3% per month, for larger or longer-term borrowing
- Negotiable Loan: rate agreed individually for circumstances the standard products don't fit
- Every loan goes through a maker-checker approval before disbursement, so no single person can approve their own or a friend's loan
Fixed Deposits
Lock in a rate for a fixed term.
- 10% p.a. if the funds stay deposited for a full, uninterrupted 12 months
- Your rate and term are locked in at opening and never change underneath you
- Withdrawing early forfeits the interest, but the principal is always yours
Group Accounts
For savings groups and shared accounts.
- Initial deposit: UGX 100,000
- Dual-control approval: two signatories must both sign off on group transactions
- Built for church groups, family savings circles, or any group saving together
Share Capital & Dividends
Members don't just save with us, they own a part of us.
- Buy shares at the price set when you join
- A council-declared dividend is paid out each period, weighted by how long you've held your shares
- Your dividend is valued at the price you actually paid, not whatever the current share price is
What comes with every account
Member portal, anywhere
Check your balance, download a statement, apply for a loan, or request a withdrawal from your phone, whether you're in Kampala or overseas.
SMS & email alerts
An alert for every deposit, withdrawal, and loan repayment, sent the moment it posts, so your account never has a surprise on it.
Printed statements & certificates
Request an official, signed statement or a shareholding certificate whenever you need one for the record.
Rates and terms above are set by HTM's product committee and may change over time. Members should confirm the exact figures that apply to a specific account via the member portal.