Requirements for Harambee SACCO membership focus on who can join, the documents you must provide, and the payments you must commit to as a new member.
Who is eligible to join?
Harambee SACCO has opened its doors beyond its original government-base membership to include a wide range of individuals and entities.
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Government employees and staff of reputable public or private institutions (check-off arrangement).
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Employees of Harambee SACCO and its subsidiaries.
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Individuals in formal employment with regular, verifiable income (non check-off).
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Wafanisi members who joined while employed and wish to continue after retirement.
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Diaspora Kenyans with legal, regular income streams.
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Spouses and children of existing members, as long as the spouse has gainful employment or business income.
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Sole proprietors, partnerships, companies, chamas, CBOs, NGOs and other registered groups admitted under SACCO by-laws.
This broad eligibility makes Harambee SACCO attractive to salaried workers, retirees, business owners, investors and organized groups seeking a reliable savings and credit partner.
Key documents and application process
To join Harambee SACCO, you must complete a membership application form and submit basic identification and tax documents.
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Fill in the official Harambee SACCO membership application form, available online or at any FOSA branch.
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Attach a clear copy of your National ID card. For corporates and groups, attach registration documents as guided by the SACCO.
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Provide a recent passport-sized photograph for your member profile.
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Attach a copy of your KRA PIN to comply with Kenyan tax regulations.
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Submit the completed form and attachments via physical delivery, post office, designated customer service points, business development executives or email, depending on what is most convenient.
Once your documents are verified and payments made, the SACCO opens your account and issues you a membership number and access to its products.
Mandatory fees, deposits and contributions
Harambee SACCO membership requirements also include a one-off joining fee, ongoing contributions and a minimum share capital threshold.
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Pay a non-refundable registration or membership fee, commonly listed as Ksh 1,000 for individuals (confirm current rate with the SACCO, as charges can change).
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Commit to monthly deposits into your savings account, with specific minimums depending on whether you are on check-off or non check-off arrangement.
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Enroll in the Sink Fund or loan protection program and contribute Ksh 300 per month to cover your loans in case of death or permanent disability.
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Accumulate the required share capital, currently indicated as a total of Ksh 30,000, payable in installments until you hit the full amount.
When you reach the full share capital, you qualify for a digital share certificate and can request a copy of the SACCO by-laws at a prescribed fee.
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