Savings and Credit Cooperative Societies (SACCOs) play a crucial role in Kenya’s financial sector, providing accessible banking services to millions of Kenyans. Nairobi, being the capital city and commercial hub, hosts numerous SACCOs that serve various sectors and communities. This comprehensive guide provides detailed information about major SACCOs operating in Nairobi, including their locations, contact information, and operating hours.
According to SASRA, 178 SACCOs have been granted licenses to conduct deposit-taking business in Kenya for the financial year 2025, with many of these having significant operations in Nairobi. These SACCOs offer various financial services including savings accounts, loans, investment opportunities, and mobile banking services.
Mwalimu National SACCO
Mwalimu National SACCO has been in operation from 1974 and was started as a society to mobilize savings from its members and providing loans to members. It is one of Kenya’s largest SACCOs, primarily serving teachers and education sector employees across the country.
| Details | Information |
|---|---|
| Location/Address | Mwalimu Towers, Hill Lane, Off – Mara Road, Upperhill, P.O. Box 62641 00200 Nairobi, Kenya |
| Phone | +254 020 295 6000 |
| Mobile | +254 709 898 000 |
| SMS Number | 20156 |
| mwalimu@mwalimunational.coop | |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 1:00 PM |
| Services | Savings accounts, loans, investment products, mobile banking |
Stima DT SACCO Society
Stima SACCO was established in 1974 and primarily serves employees in the energy sector, particularly Kenya Power and Lighting Company. The SACCO has grown to become one of the leading deposit-taking SACCOs in Kenya.
| Details | Information |
|---|---|
| Location/Address | Stima Plaza, Kolobot Road, Parklands, P.O. Box 75629-00200, Nairobi |
| Phone | +254 020 374 3939 |
| Mobile | +254 722 202 444, +254 733 202 444 |
| info@stima-sacco.com | |
| Website | www.stima-sacco.com |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 1:00 PM |
| Services | Deposit-taking services, loans, insurance, investment products |
Kenya Union of Savings and Credit Cooperatives (KUSCCO)
KUSCCO serves as the apex body for SACCOs in Kenya and also operates as a financial institution providing services to both SACCOs and individual members.
| Details | Information |
|---|---|
| Location/Address | KUSCCO Centre, Museum Hill Road, Westlands, P.O. Box 39312-00623, Nairobi |
| Phone | +254 020 445 1001/2/3 |
| Mobile | +254 722 201 001, +254 733 600 001 |
| info@kuscco.com | |
| Website | www.kuscco.com |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 12:00 PM |
| Services | SACCO services, wholesale banking, capacity building |
Chai SACCO Society Ltd
Chai Sacco Society Ltd., established in 1973, stands as one of Kenya’s most prominent deposit-taking Savings and Credit Cooperative Societies (Saccos). With a mission to empower its members economically, socially, and financially, Chai Sacco has grown into a financial powerhouse with an asset base exceeding KSh 4.34 billion.
| Details | Information |
|---|---|
| Location/Address | Chai House, Koinange Street, P.O. Box 20064-00200, Nairobi |
| Phone | +254 020 221 5157/8 |
| Mobile | +254 722 205 205, +254 733 205 205 |
| info@chaisacco.com | |
| Website | www.chaisacco.com |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 1:00 PM |
| Services | Savings, loans, insurance, investment products, mobile banking |
Waumini SACCO Society Limited
Waumini SACCO primarily serves the Catholic Church community and has grown to become one of the leading faith-based SACCOs in Kenya.
| Details | Information |
|---|---|
| Location/Address | Catholic Secretariat Building, Waiyaki Way, Westlands, P.O. Box 61298-00200, Nairobi |
| Phone | +254 020 444 5173/4 |
| Mobile | +254 722 205 144, +254 733 205 144 |
| info@wauminisacco.com | |
| Website | www.wauminisacco.com |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 1:00 PM |
| Services | Savings accounts, loans, investment products, insurance |
Harambee SACCO Society
Harambee SACCO serves civil servants and has established itself as a reliable financial partner for government employees.
| Details | Information |
|---|---|
| Location/Address | Harambee Plaza, Valley Road, P.O. Box 49584-00100, Nairobi |
| Phone | +254 020 272 1081/2 |
| Mobile | +254 722 205 566, +254 733 205 566 |
| info@harambeesacco.coop | |
| Website | www.harambeesacco.coop |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 12:00 PM |
| Services | Savings, loans, pension services, insurance |
Kenya Police SACCO Society
Kenya Police SACCO exclusively serves members of the National Police Service and their families, providing tailored financial services to law enforcement officers.
| Details | Information |
|---|---|
| Location/Address | Police Headquarters, Vigilance House, Harambee Avenue, P.O. Box 51042-00200, Nairobi |
| Phone | +254 020 341 2345/6 |
| Mobile | +254 722 205 999, +254 733 205 999 |
| info@kenyapolicesacco.com | |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 1:00 PM |
| Services | Savings, loans, insurance, pension contributions |
Afya SACCO Society
Afya SACCO serves healthcare workers including doctors, nurses, and other medical professionals across Kenya.
| Details | Information |
|---|---|
| Location/Address | Afya Centre, Cathedral Road, P.O. Box 45284-00100, Nairobi |
| Phone | +254 020 271 8008/9 |
| Mobile | +254 722 205 123, +254 733 205 123 |
| info@afyasacco.com | |
| Website | www.afyasacco.com |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 1:00 PM |
| Services | Medical loans, savings accounts, insurance, investment products |
Ukulima SACCO Society
Ukulima SACCO focuses on serving farmers and agricultural sector workers, promoting rural development through financial inclusion.
| Details | Information |
|---|---|
| Location/Address | Agriculture House, Cathedral Road, P.O. Box 30028-00100, Nairobi |
| Phone | +254 020 271 8765/6 |
| Mobile | +254 722 205 789, +254 733 205 789 |
| info@ukulimasacco.coop | |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 12:00 PM |
| Services | Agricultural loans, savings, crop insurance, farm input financing |
Shoppers SACCO Society
Shoppers SACCO serves retail and wholesale traders, providing financial services tailored to the business community.
| Details | Information |
|---|---|
| Location/Address | Shoppers Plaza, Moi Avenue, P.O. Box 42318-00100, Nairobi |
| Phone | +254 020 221 4567/8 |
| Mobile | +254 722 205 345, +254 733 205 345 |
| info@shopperssacco.com | |
| Opening Hours | Monday – Friday: 8:00 AM – 5:00 PM, Saturday: 8:00 AM – 2:00 PM |
| Services | Business loans, savings accounts, trade financing, insurance |
Important Information for SACCO Members
Regulatory Oversight
All the SACCOs listed above are licensed and regulated by the Sacco Societies Regulatory Authority (SASRA), ensuring they meet minimum capital requirements and operational standards for the safety of members’ deposits.
Services Offered
Most SACCOs in Nairobi offer similar core services including:
- Savings accounts (both withdrawable and non-withdrawable)
- Various loan products (development, emergency, salary advance)
- Insurance services
- Mobile banking platforms
- Investment opportunities
- Financial advisory services
Membership Requirements
Each SACCO has specific membership criteria, often based on:
- Professional affiliation (teachers, police, healthcare workers)
- Geographic location
- Religious affiliation
- Trade or business sector
- Minimum share capital contribution
Digital Services
Most modern SACCOs offer digital banking services including:
- Mobile banking apps
- USSD banking codes
- Online platforms
- ATM services through partnerships
- Agency banking services
This comprehensive list provides the foundation for choosing a SACCO that best fits your professional background and financial needs. It’s advisable to visit the SACCO offices directly to get detailed information about their specific products, interest rates, and membership requirements before making a decision.
