All member institutions pay flat-rate contributions based on the level of deposits taken by the institution in the previous twelve months. Currently, the annual premium is assessed at 0.15% of the average total deposit liabilities or Kshs 300,000.00 per member, whichever is higher. It is applied uniformly and assessments are carried out in July and premium payments are expected by August of each year.

Late payments attract penalties. At the moment, the law limits premiums to a maximum of 0.4% of the average of a members total deposit liabilities in a twelve month period prior to assessment.