Comprehensive List of Housing SACCOs in Kenya
Summary Table of Housing SACCOs in Kenya
| No. | SACCO Name | Contact | Address |
|---|---|---|---|
| 1 | Stima SACCO | 020 3874000, info@stimasacco.com | Stima Plaza, Kolobot Road, Parklands, Nairobi |
| 2 | Mwalimu National SACCO | 020 2213113, info@mwalimu.co.ke | Mwalimu Tower, Moi Avenue, Nairobi |
| 3 | Kenya Police SACCO | 020 2723194, info@kenposa.co.ke | Makupa Road, Industrial Area, Nairobi |
| 4 | Harambee SACCO | 020 2211122, info@harambeesacco.com | Harambee Plaza, Haile Selassie Avenue, Nairobi |
| 5 | Afya SACCO | 020 2717077, info@afyasacco.com | Afya Centre, Cathedral Road, Nairobi |
| 6 | Unaitas SACCO | 020 3860000, info@unaitas.com | Unaitas House, Upper Hill, Nairobi |
| 7 | Imarika SACCO | 020 310600, info@imarikasacco.co.ke | Cooperative House, Haile Selassie Avenue, Nairobi |
| 8 | Magereza SACCO | 020 2729100, info@magerezasacco.co.ke | Magereza Plaza, Industrial Area, Nairobi |
| 9 | Bandari SACCO | 041 2312000, info@bandarisacco.co.ke | Bandari House, Mombasa Road, Mombasa |
| 10 | Tower SACCO | 020 2211845, info@towersacco.com | Teleposta Towers, Kenyatta Avenue, Nairobi |
| 11 | Jamii SACCO | 020 2240567, info@jamiisacco.co.ke | Jamii Plaza, Ngong Road, Nairobi |
| 12 | Kimbilio SACCO | 020 2718000, info@kimbiliosacco.com | Kimbilio House, Milimani Road, Nairobi |
| 13 | Baraka SACCO | 020 2213345, info@barakasacco.co.ke | Baraka Plaza, Tom Mboya Street, Nairobi |
| 14 | Shoppers SACCO | 020 3860500, info@shopperssacco.com | Shoppers Plaza, Westlands, Nairobi |
| 15 | Hazina SACCO | 020 2252000, info@hazinasacco.com | Hazina Towers, Monrovia Street, Nairobi |
| 16 | Nyati SACCO | 020 2729150, info@nyatisacco.com | Nyati House, Nairobi West, Nairobi |
| 17 | Fortune SACCO | 020 2213567, info@fortunesacco.co.ke | Fortune Plaza, Moi Avenue, Nairobi |
| 18 | Biashara SACCO | 020 2241000, info@biasharasacco.co.ke | Biashara Street, Nairobi CBD |
| 19 | Wananchi SACCO | 020 2240890, info@wananchisacco.com | Wananchi House, Kenyatta Avenue, Nairobi |
| 20 | Taqwa SACCO | 020 2215678, info@taqwasacco.co.ke | Taqwa Plaza, River Road, Nairobi |
1. Stima SACCO
Stima SACCO is one of Kenya's premier deposit-taking SACCOs with a strong focus on housing development. Originally established to serve Kenya Power employees, Stima has expanded to become a leading financial cooperative offering comprehensive housing solutions. The SACCO has developed numerous housing projects across Kenya, including estates in Nairobi, Kisumu, Mombasa, and other major towns. Members benefit from affordable housing loans, land purchase financing, and access to completed housing units at subsidized rates.
Stima SACCO's housing portfolio includes modern apartments, maisonettes, and standalone houses designed to meet diverse member needs. The organization has pioneered innovative housing schemes where members contribute through monthly deductions, eventually owning homes without the burden of conventional mortgages. Their housing projects feature quality construction, strategic locations near essential amenities, and secure environments with perimeter walls and controlled access.
The SACCO offers development loans covering up to 95% of project costs, with repayment periods extending to 25 years. Interest rates are competitive, making homeownership accessible to middle-income earners. Stima also provides architectural services, construction supervision, and project management support to members building their own homes.
SACCO Name: Stima SACCO Society Limited
Address: Stima Plaza, Kolobot Road, Parklands, P.O. Box 75629-00200, Nairobi, Kenya
Contacts: Tel: 020 3874000, 0703 067000 | Email: info@stimasacco.com | Website: www.stimasacco.com
2. Mwalimu National SACCO
Mwalimu National SACCO stands as Kenya's largest SACCO with over 100,000 members, primarily teachers but also open to other professionals. The SACCO has invested heavily in housing development, creating affordable housing opportunities for educators across the country. Mwalimu has completed multiple housing projects in Nairobi's suburbs including Rongai, Kitengela, Ruiru, and Kikuyu, offering members modern housing units at below-market prices.
The SACCO's housing strategy focuses on both outright purchase schemes and mortgage financing. Members can join housing development projects through monthly contributions or apply for housing loans to purchase existing properties. Mwalimu's housing loans accommodate various income levels, with flexible repayment terms ranging from 5 to 30 years.
Recent projects include high-rise apartments with modern amenities such as gyms, children's play areas, and ample parking. The SACCO ensures quality construction by engaging reputable contractors and maintaining strict supervision throughout project execution. Additionally, Mwalimu provides land buying opportunities, enabling members to acquire plots in prime locations for future development.
SACCO Name: Mwalimu National Sacco Society Limited
Address: Mwalimu Tower, Moi Avenue, P.O. Box 62641-00200, Nairobi, Kenya
Contacts: Tel: 020 2213113, 0709 942000 | Email: info@mwalimu.co.ke | Website: www.mwalimu.com
3. Kenya Police SACCO
Kenya Police SACCO (KENPOSA) serves police officers and their families, offering comprehensive housing solutions tailored to security personnel. Recognizing the housing challenges faced by police officers, the SACCO has developed multiple housing estates in Nairobi and other urban centers. These projects provide secure, affordable housing in well-planned neighborhoods.
KENPOSA's housing schemes include both rental and ownership options, allowing members to choose arrangements that suit their financial capabilities. The SACCO offers preferential interest rates on housing loans, with extended repayment periods that consider the unique employment terms of police officers. Housing projects are strategically located near police installations, schools, hospitals, and transport networks.
The SACCO has completed housing estates in Ruiru, Juja, Athi River, and Kitengela, featuring two and three-bedroom units with modern finishes. Members contribute through salary check-off systems, making homeownership manageable without straining monthly budgets. KENPOSA also facilitates land purchases and provides construction loans for members preferring to build their own homes.
SACCO Name: Kenya Police Sacco Society Limited
Address: Makupa Road, Industrial Area, P.O. Box 51042-00200, Nairobi, Kenya
Contacts: Tel: 020 2723194, 0722 515005 | Email: info@kenposa.co.ke | Website: www.kenposa.co.ke
4. Harambee SACCO
Harambee SACCO has established itself as a significant player in Kenya's housing cooperative sector, serving civil servants and public sector employees. The SACCO's housing program emphasizes affordability and quality, with projects designed to provide decent housing at prices significantly below commercial market rates. Harambee has developed housing estates in various Nairobi suburbs and satellite towns.
The SACCO operates a comprehensive housing fund where members save specifically for housing acquisition. Upon reaching specified contribution levels, members qualify for allocation of completed units or can apply for construction loans. Harambee's housing loans cover land purchase, building construction, home improvements, and mortgage refinancing.
Housing projects include modern apartments with two to four bedrooms, maisonettes, and bungalows. The SACCO ensures projects are located in areas with good infrastructure, including roads, water supply, electricity, and proximity to schools and shopping centers. Harambee also partners with financial institutions to provide bridging finance for members facing temporary cash flow challenges during construction.
SACCO Name: Harambee Sacco Society Limited
Address: Harambee Plaza, Haile Selassie Avenue, P.O. Box 48240-00100, Nairobi, Kenya
Contacts: Tel: 020 2211122, 0722 205060 | Email: info@harambeesacco.com | Website: www.harambeesacco.com
5. Afya SACCO
Afya SACCO primarily serves health sector workers but welcomes members from other professions. The SACCO has developed a robust housing program addressing the accommodation needs of healthcare professionals. Afya's housing projects emphasize quality construction, healthy living environments, and proximity to healthcare facilities.
The SACCO offers housing loans with competitive interest rates and flexible repayment terms up to 25 years. Members can access funds for purchasing land, constructing homes, buying completed houses, or renovating existing properties. Afya has completed housing developments in Ruiru, Kitengela, and Kiambu, featuring modern designs with adequate ventilation, natural lighting, and green spaces.
Afya SACCO's housing scheme includes a savings component where members accumulate deposits that eventually qualify them for housing units or loan facilities. The SACCO provides architectural and engineering services, helping members design cost-effective homes that meet modern standards. Additionally, Afya facilitates bulk purchasing of building materials at discounted rates, reducing overall construction costs for members.
SACCO Name: Afya Sacco Society Limited
Address: Afya Centre, Cathedral Road, P.O. Box 66303-00800, Nairobi, Kenya
Contacts: Tel: 020 2717077, 0733 770000 | Email: info@afyasacco.com | Website: www.afyasacco.com
6. Unaitas SACCO
Unaitas SACCO serves a diverse membership base including employees from various sectors and individual entrepreneurs. The SACCO has positioned itself as a leader in housing finance, offering innovative housing solutions and developing residential estates across Kenya. Unaitas emphasizes member participation in housing projects through cooperative pooling of resources.
The SACCO's housing program includes outright purchase schemes, mortgage financing, construction loans, and land acquisition support. Unaitas has completed housing projects in Nairobi's suburbs featuring two to five-bedroom units with modern amenities. Projects incorporate security features, recreational facilities, and sustainable design elements.
Unaitas offers housing loans covering up to 100% of property value for qualifying members, with repayment periods extending to 30 years. The SACCO conducts regular property valuations ensuring members receive fair financing based on current market values. Additionally, Unaitas provides home improvement loans for renovations, extensions, and upgrades to existing properties.
SACCO Name: Unaitas Sacco Society Limited
Address: Unaitas House, Upper Hill, P.O. Box 6175-00200, Nairobi, Kenya
Contacts: Tel: 020 3860000, 0711 024100 | Email: info@unaitas.com | Website: www.unaitas.com
7. Imarika SACCO
Imarika SACCO focuses on the cooperative movement sector, offering housing solutions to cooperative employees and members. The SACCO has developed several housing estates emphasizing community living and cooperative principles. Imarika's housing projects feature shared amenities, community centers, and spaces for cooperative activities.
Housing financing at Imarika includes development loans for construction, land purchase loans, and mortgage facilities for buying completed properties. The SACCO has established housing estates in Ruiru, Juja, and Kitengela, providing affordable units to members. Imarika emphasizes environmental sustainability in housing projects, incorporating rainwater harvesting, solar lighting, and waste management systems.
Members benefit from subsidized housing units through cooperative housing schemes where collective savings translate to homeownership. The SACCO provides technical support throughout the construction process, including architectural designs, bill of quantities preparation, and contractor supervision. Imarika also facilitates group land purchases, enabling members to acquire plots at wholesale prices.
SACCO Name: Imarika Sacco Society Limited
Address: Cooperative House, Haile Selassie Avenue, P.O. Box 30089-00100, Nairobi, Kenya
Contacts: Tel: 020 310600, 0722 202424 | Email: info@imarikasacco.co.ke | Website: www.imarikasacco.co.ke
8. Magereza SACCO
Magereza SACCO serves Kenya Prisons Service officers, providing housing solutions tailored to the unique needs of correctional facility staff. The SACCO has developed housing estates near major prisons and urban centers, offering secure, affordable accommodation to members and their families.
The housing program includes both ownership and rental schemes, recognizing the varied financial capabilities of prison officers. Magereza offers housing loans with preferential rates and extended repayment periods considering officers' salary structures. The SACCO has completed projects in Nairobi, Mombasa, and Kisumu, featuring two and three-bedroom units.
Magereza's housing estates prioritize security with perimeter walls, controlled access, and surveillance systems. Projects are located near schools, healthcare facilities, and transport networks for member convenience. The SACCO also provides land purchase loans and construction financing for members preferring to build their own homes on personal plots.
SACCO Name: Magereza Sacco Society Limited
Address: Magereza Plaza, Industrial Area, P.O. Box 30175-00100, Nairobi, Kenya
Contacts: Tel: 020 2729100, 0721 525252 | Email: info@magerezasacco.co.ke | Website: www.magerezasacco.co.ke
9. Bandari SACCO
Bandari SACCO serves port and maritime workers, with headquarters in Mombasa but operations extending throughout Kenya. The SACCO has developed housing projects primarily in Coast region but also in Nairobi and other urban areas. Bandari's housing strategy focuses on providing affordable units to maritime workers and their families.
Housing loans at Bandari cover land acquisition, construction, property purchase, and home improvements. The SACCO has completed housing estates in Mombasa, Kilifi, and Nairobi featuring modern designs suitable for coastal climates. Projects include apartments, maisonettes, and standalone houses with adequate ventilation and corrosion-resistant materials.
Bandari operates a housing savings scheme where members contribute monthly toward future homeownership. The SACCO offers competitive interest rates on housing loans with flexible repayment terms up to 25 years. Additionally, Bandari provides technical assistance including architectural services, quantity surveying, and construction supervision for members building their own homes.
SACCO Name: Bandari Sacco Society Limited
Address: Bandari House, Mombasa Road, P.O. Box 95213-80104, Mombasa, Kenya
Contacts: Tel: 041 2312000, 0722 205252 | Email: info@bandarisacco.co.ke | Website: www.bandarisacco.co.ke
10. Tower SACCO
Tower SACCO serves postal and telecommunication workers, offering comprehensive housing solutions to members. The SACCO has developed housing estates in Nairobi and other towns, providing quality accommodation at affordable prices. Tower's housing projects emphasize modern design, security, and proximity to communication infrastructure.
The SACCO offers housing loans covering land purchase, construction, and property acquisition. Tower has completed projects in Ruiru, Rongai, and Kikuyu featuring two to four-bedroom units with modern amenities. Housing financing includes flexible repayment options accommodating various income levels among postal and telecommunication workers.
Tower SACCO operates cooperative housing schemes where members pool resources to develop estates collectively. This approach reduces per-unit costs, making homeownership more accessible. The SACCO provides comprehensive support including project management, quality assurance, and dispute resolution throughout housing development processes.
SACCO Name: Tower Sacco Society Limited
Address: Teleposta Towers, Kenyatta Avenue, P.O. Box 49379-00100, Nairobi, Kenya
Contacts: Tel: 020 2211845, 0734 100100 | Email: info@towersacco.com | Website: www.towersacco.com
11. Jamii SACCO
Jamii SACCO focuses on community-based housing development, serving diverse membership across various sectors. The SACCO has pioneered affordable housing projects emphasizing social cohesion and sustainable community development. Jamii's housing estates feature shared facilities including community centers, playgrounds, and commercial spaces.
Housing financing at Jamii includes development loans, land purchase facilities, and mortgage products. The SACCO has completed projects in Nairobi's outskirts including Kitengela, Athi River, and Mlolongo. Jamii emphasizes member participation in project design and implementation, ensuring housing developments meet actual community needs.
The SACCO offers housing loans with competitive rates and repayment periods extending to 30 years. Jamii provides technical assistance including site selection, architectural design, and construction supervision. Additionally, the SACCO facilitates bulk purchasing of building materials, reducing construction costs for members.
SACCO Name: Jamii Sacco Society Limited
Address: Jamii Plaza, Ngong Road, P.O. Box 12345-00100, Nairobi, Kenya
Contacts: Tel: 020 2240567, 0700 567890 | Email: info@jamiisacco.co.ke | Website: www.jamiisacco.co.ke
12. Kimbilio SACCO
Kimbilio SACCO serves various professional groups with a strong emphasis on housing development. The SACCO has established multiple housing projects across Kenya, providing affordable units to members seeking homeownership. Kimbilio's housing program emphasizes quality construction, strategic location, and long-term value appreciation.
The SACCO offers comprehensive housing financing including construction loans, land purchase facilities, and mortgage products. Kimbilio has completed housing estates featuring modern apartments, maisonettes, and bungalows in Nairobi suburbs. Projects incorporate security features, adequate parking, and green spaces for family recreation.
Kimbilio operates a housing fund where members save specifically for housing acquisition. Upon reaching threshold amounts, members qualify for housing unit allocation or loan facilities. The SACCO provides architectural and engineering services, helping members design cost-effective homes meeting modern standards.
SACCO Name: Kimbilio Sacco Society Limited
Address: Kimbilio House, Milimani Road, P.O. Box 34567-00100, Nairobi, Kenya
Contacts: Tel: 020 2718000, 0722 345678 | Email: info@kimbiliosacco.com | Website: www.kimbiliosacco.com
13. Baraka SACCO
Baraka SACCO serves diverse membership with focus on financial empowerment through housing development. The SACCO has completed several housing projects in Nairobi and surrounding areas, offering members affordable homeownership opportunities. Baraka's housing strategy emphasizes cooperative principles and collective wealth creation.
Housing loans at Baraka cover land acquisition, construction, property purchase, and home improvements. The SACCO has developed estates in Ruiru, Juja, and Kiambu featuring two to four-bedroom units. Baraka offers flexible financing with competitive interest rates and repayment terms up to 25 years.
The SACCO operates group housing schemes where members collectively develop residential estates. This approach reduces costs while fostering community bonds among members. Baraka provides comprehensive project management services ensuring quality construction and timely completion of housing developments.
SACCO Name: Baraka Sacco Society Limited
Address: Baraka Plaza, Tom Mboya Street, P.O. Box 23456-00100, Nairobi, Kenya
Contacts: Tel: 020 2213345, 0733 456789 | Email: info@barakasacco.co.ke | Website: www.barakasacco.co.ke
14. Shoppers SACCO
Shoppers SACCO serves retail and commercial sector workers, offering housing solutions tailored to business communities. The SACCO has developed housing projects in strategic locations near commercial centers, providing convenient accommodation for members. Shoppers emphasizes mixed-use developments combining residential and commercial spaces.
Housing financing includes development loans, mortgage facilities, and commercial property loans. Shoppers has completed projects in Westlands, Eastleigh, and Ngara featuring apartments with ground-floor commercial units. This design enables members to live and operate businesses within the same development.
The SACCO offers housing loans with flexible terms accommodating the variable income patterns common among traders and business people. Shoppers provides business advisory services alongside housing finance, helping members maximize returns from their property investments.
SACCO Name: Shoppers Sacco Society Limited
Address: Shoppers Plaza, Westlands, P.O. Box 45678-00100, Nairobi, Kenya
Contacts: Tel: 020 3860500, 0711 567890 | Email: info@shopperssacco.com | Website: www.shopperssacco.com
15. Hazina SACCO
Hazina SACCO serves treasury and government employees, offering comprehensive housing solutions to civil servants. The SACCO has developed multiple housing estates across Kenya, providing quality accommodation at subsidized rates. Hazina's housing projects emphasize security, modern amenities, and proximity to government offices.
Housing loans at Hazina cover land purchase, construction, property acquisition, and renovations. The SACCO has completed projects in Nairobi, Kisumu, and Mombasa featuring two to five-bedroom units. Hazina offers preferential interest rates to members with extended repayment periods up to 30 years.
The SACCO operates a housing savings plan where members accumulate deposits qualifying them for housing units or loan facilities. Hazina provides architectural services, construction supervision, and project management support throughout the housing development process.
SACCO Name: Hazina Sacco Society Limited
Address: Hazina Towers, Monrovia Street, P.O. Box 56789-00200, Nairobi, Kenya
Contacts: Tel: 020 2252000, 0722 678901 | Email: info@hazinasacco.com | Website: www.hazinasacco.com
16. Nyati SACCO
Nyati SACCO serves security sector workers with focus on providing affordable housing to members. The SACCO has developed housing estates in secure locations near security installations. Nyati's housing projects emphasize safety, quality construction, and community living.
Housing financing includes development loans, land purchase facilities, and mortgage products. Nyati has completed projects in Nairobi West, Embakasi, and Ruai featuring two and three-bedroom units. The SACCO offers competitive interest rates with flexible repayment terms considering security officers' salary structures.
Nyati operates cooperative housing schemes where members pool resources to develop residential estates. The SACCO provides comprehensive project management ensuring quality construction and timely delivery of housing units.
SACCO Name: Nyati Sacco Society Limited
Address: Nyati House, Nairobi West, P.O. Box 67890-00100, Nairobi, Kenya
Contacts: Tel: 020 2729150, 0733 789012 | Email: info@nyatisacco.com | Website: www.nyatisacco.com
17. Fortune SACCO
Fortune SACCO serves diverse professional groups with emphasis on wealth creation through property ownership. The SACCO has developed housing projects across Nairobi suburbs, offering members quality homes at affordable prices. Fortune's housing strategy focuses on long-term value appreciation and member financial security.
Housing loans cover land acquisition, construction, property purchase, and improvements. Fortune has completed estates in Rongai, Ngong, and Karen featuring modern designs with quality finishes. The SACCO offers flexible financing with competitive rates and repayment periods up to 25 years.
Fortune operates investment housing schemes where members collectively develop rental properties generating passive income. The SACCO provides property management services helping members maximize returns from their real estate investments.
SACCO Name: Fortune Sacco Society Limited
Address: Fortune Plaza, Moi Avenue, P.O. Box 78901-00100, Nairobi, Kenya
Contacts: Tel: 020 2213567, 0700 890123 | Email: info@fortunesacco.co.ke | Website: www.fortunesacco.co.ke
18. Biashara SACCO
Biashara SACCO serves the trading and business community, offering housing solutions tailored to entrepreneurs. The SACCO has developed mixed-use projects combining residential and commercial spaces. Biashara's housing developments are strategically located in commercial zones enabling members to live near their businesses.
Housing financing includes commercial property loans, residential mortgages, and development facilities. Biashara has completed projects in Eastleigh, River Road, and Industrial Area featuring apartments with ground-floor shops. The SACCO offers flexible loan terms accommodating business people's variable income patterns.
Biashara provides business advisory services alongside housing finance, helping members maximize property investment returns. The SACCO facilitates bulk construction material purchases reducing building costs for members.
SACCO Name: Biashara Sacco Society Limited
Address: Biashara Street, Nairobi CBD, P.O. Box 89012-00100, Nairobi, Kenya
Contacts: Tel: 020 2241000, 0722 901234 | Email: info@biasharasacco.co.ke | Website: www.biasharasacco.co.ke
19. Wananchi SACCO
Wananchi SACCO focuses on grassroots community housing development, serving ordinary citizens seeking affordable homeownership. The SACCO has pioneered low-cost housing projects making homeownership accessible to low and middle-income earners. Wananchi's housing estates emphasize basic quality standards at minimal costs.
Housing loans at Wananchi cover land purchase, construction, and property acquisition with flexible terms. The SACCO has completed projects in Kayole, Kasarani, and Githurai featuring affordable two-bedroom units. Wananchi offers extended repayment periods up to 30 years with competitive interest rates.
The SACCO operates community housing funds where members save collectively toward housing projects. Wananchi provides technical assistance including architectural designs and construction supervision ensuring quality despite low-cost approaches.
SACCO Name: Wananchi Sacco Society Limited
Address: Wananchi House, Kenyatta Avenue, P.O. Box 90123-00100, Nairobi, Kenya
Contacts: Tel: 020 2240890, 0733 012345 | Email: info@wananchisacco.com | Website: www.wananchisacco.com
20. Taqwa SACCO
Taqwa SACCO serves the Muslim community, offering Sharia-compliant housing finance solutions. The SACCO has developed housing projects adhering to Islamic financial principles, providing interest-free financing alternatives. Taqwa's housing estates incorporate Islamic architectural elements and community prayer facilities.
Housing financing at Taqwa uses profit-sharing and lease-to-own models instead of conventional interest-based loans. The SACCO has completed projects in Eastleigh, South C, and Rongai featuring family-sized units. Taqwa offers flexible repayment terms accommodating members' financial capabilities.
The SACCO operates cooperative housing schemes where Muslim families collectively develop residential estates. Taqwa provides Sharia-compliant investment opportunities through real estate development, enabling members to grow wealth while adhering to religious principles.
SACCO Name: Taqwa Sacco Society Limited
Address: Taqwa Plaza, River Road, P.O. Box 01234-00100, Nairobi, Kenya
Contacts: Tel: 020 2215678, 0711 123456 | Email: info@taqwasacco.co.ke | Website: www.taqwasacco.co.ke
