Saving and credit cooperatives are one types of financial institutions which is primarily formed and owned by their members. The base for their information is to collect saving primarily and guarantee loan. SACCOs mobilize saving before loan. This makes SACCOs different from other financial institutions.In order to enable the grass root cooperatives financially stable and able to meet their members' demand, cooperative structure is established from bottom to upper level This paper therefore considers how membership, in saving and credit cooperative unions is benefiting the grassroot institutions.