United Civil Servants SACCO is a member owned institution that offers a range of savings and credit products to civil servants, parastatals and private organization in Malawi, an affiliate of Malawi Union of Savings and Cooperatives (MUSCCO). With 21 branches and 8 Satellites, it is the biggest Savings and Credit Cooperative Society in Malawi which started in 1992. It has grown to the current membership of 57,260 with an Asset base of MK16.9 billion and Loan portfolio of MK13 billion.