The Heart of Everything We Do.
A Unity Circle is a structured, 10-member rotating savings group — transparent, community-governed, and built on mutual accountability. It is the core financial product of Unity Capital Group.
10
Circle
10 members. 10 months. 1 payout per member. Every contribution matters.
A Modern Take on a Timeless Tradition
The rotating savings circle is one of the oldest and most trusted financial tools in the world. Known as chama in Kenya, tontine in West Africa, hui in East Asia, and tandas in Latin America — communities across the globe have used this model for generations to pool resources, build savings, and support one another.
Unity Capital Group brings this tradition into the United States with the structure, accountability, and governance it deserves. A Unity Circle is not informal — it is organized, documented, and governed by the full weight of UCG's membership standards and oversight.
10
Members per circle
Every circle has exactly 10 verified UCG members — no more, no less.
10
Months per rotation
The circle runs for 10 months. Each month, one member receives the full payout.
1×
Payout per member
Every member contributes every month and receives exactly one full payout during the rotation.
100%
Member-voted amount
The monthly contribution is voted on by all 10 members before the circle begins. No amount is imposed.
From Formation to Completion
The Circle Comes Together
Ten verified UCG members are brought together. The group collectively votes on the monthly contribution amount — every member must agree before the circle is activated. Payout order is also determined by group consensus at this stage.
Contributions & Payouts
Each month, all 10 members contribute the agreed amount. The member scheduled for that month receives the full lump sum — the combined contributions of all 10 members. This continues each month until every member has received their payout.
The Circle Closes
After 10 months, every member has contributed 10 times and received one full payout. The circle is formally closed. Members in good standing may join the waiting list for the next circle formation.
How the Numbers Work
Here is a straightforward illustration of how a Unity Circle operates. Actual contribution amounts are voted on by each circle's members.
Example Circle
Each member contributes $500 × 10 months = $5,000 total. Each member receives $5,000 once. The circle is a structured savings vehicle — not an investment product. Returns are not guaranteed and no interest is earned.
Payout schedule — one member per month
This example is for illustrative purposes only. Contribution amounts are determined by each circle's members. Unity Capital Group LLC is not a financial institution and does not guarantee returns.
What Keeps the Circle Strong
A Unity Circle only works when every member meets their obligation. UCG takes accountability seriously — not as a formality, but as a core value. The following structures are in place to protect every member.
Referral-Based Membership
Every member was vouched for by someone who knows them. This creates a layer of social accountability before the circle even begins.
Verification Before Participation
All members are verified by the UCG membership committee before joining any circle. Financial capacity is assessed as part of the process.
WhatsApp Circle Group
Each circle has a dedicated WhatsApp group for real-time contribution confirmations, reminders, and transparent communication between all 10 members.
Committee Oversight
The UCG membership committee monitors all active circles. Missed contributions are addressed immediately. Repeated non-compliance results in removal from the organization.
Ready to Join a Circle?
Unity Circle placement is available to verified UCG members. If you are not yet a member, begin with the membership application process. If you are already a member, contact the committee to be placed on the waiting list for the next circle formation.