Transparency · Current rates
Every rate, in the open
KAMCCU loans start from 1% per month on a reducing balance; savings and fixed deposits earn competitive annual interest. No hidden fees, no flat-rate tricks — this page is the single source of truth.
Last updated: 15 July 2026
Loan rates
All seven loan products
All loan interest is charged per month on the reducing balance — you pay interest only on what you still owe.
| Loan product | Interest rate | Max term | Amounts from | Details |
|---|---|---|---|---|
| Loans Within Savings | from 1% /mo reducing balance | 60 months | GH₵100.00 | Details |
| Long-Term Loan | from 2%* /mo reducing balance | 60 months | GH₵500.00 | Details |
| Special Purpose Loan | from 2.5%* /mo reducing balance | 60 months | GH₵1,000 | Details |
| Commercial Vehicle Loan | from 2.5%* /mo reducing balance | 60 months | GH₵5,000 | Details |
| KAM Salary Loan – DS | from 2%* /mo reducing balance | 60 months | GH₵500.00 | Details |
| Rapid Salary Loan | from 2.5%* /mo reducing balance | 12 months | GH₵200.00 | Details |
| Group Micro Loan | from 2%* /mo reducing balance | 24 months | GH₵200.00 | Details |
* Rates marked with an asterisk are pending confirmation — call +233 302 247 164 for today's confirmed rate before applying.
Savings & dividends
What your money earns
Last updated: 15 July 2026
Savings interest (p.a.)
3%
Updated 12 July 2026
Fixed deposit (p.a.)
Attractive
Updated 12 July 2026
Last declared share dividend
10%
Updated 15 July 2026
Understand your rate
Reducing balance vs. flat rate
Many lenders quote a "flat" rate that charges interest on your original loan amount every month, even as you pay it down. KAMCCU charges interest on your reducing balance — the amount you actually still owe — so the same headline percentage costs you far less.
Take GH₵10,000 over 24 months at 1% per month. On a flat rate you would pay GH₵2,400 in interest. On KAMCCU's reducing balance you pay GH₵1,298— a saving of GH₵1,102.
Read the full explainer| KAMCCU reducing balance | Typical flat rate | |
|---|---|---|
| Monthly payment | GH₵470.73 | GH₵516.67 |
| Total interest | GH₵1,298 | GH₵2,400 |
| Total repaid | GH₵11,298 | GH₵12,400 |
You save GH₵1,102 with the same headline rate — because you only pay interest on what you still owe.
Now run your own numbers
Use our calculators with these exact rates — repayments, amortization schedules, and savings goals.