To become a member, you need to:

1. Complete a membership application form
2. Provide a photocopy of your national ID, kebele ID, and driver's license.
3. Pay a membership fee of 500 Birr.
4. Over 18 years old

You can visit any of our branches to complete the process.

We offer several savings products:

• Dello Regular Savings: Earn interest with flexible deposits and withdrawals
• Fixed Time Savings: Higher interest for locked savings over a fixed period
• Emergency Savings: Save towards specific goals with scheduled contributions
• Business Savings: Special account for minors with bonus interest
• Mekenet Savings: Special account for mothers with bonus interest

To qualify for a loan, you must:

• Be an active member at dello saccos for at least 3 months
• Have consistent loan savings history
• Provide copies of National ID, ID, Drivers licence, business licence, TIN, marege cirtificate(if married), proof of income
• Complete the loan application form
• Have guarantors (for larger loans)

Loan processing typically takes 1-5 working days for business loan and for Emergency loans 1-2 days. The timeline depends on:

• Completeness of your application
• Loan amount requested
• Availability of your guarantors

Dello SACCOS takes several measures to protect your savings:

• We are registered and regulated by the relevant government authorities
• Your savings are insured through the Deposit Protection Fund
• We maintain proper financial records audited annually
• We practice prudent financial management with adequate reserves

Currently, we offer limited online services through our website. You can:

• View your account balance by SMS
• Access financial education materials

We are developing a full mobile app that will allow more online transactions, coming soon!