Harambee SACCO
One of Kenya's oldest and most established SACCOs, serving government and civil service employees with affordable loan products.
Licensed by SASRA for deposit-taking SACCO business in 2026 (Harambee DT Sacco Society Ltd).
Checked against SASRA on 2026-11-14: licence and total assets (SASRA, list of licensed and authorised SACCO societies for 2026; SASRA, SACCO Supervision Annual Report 2025, Appendix III (total assets at 31 December 2025)). The dividend, deposit interest, loan rate and member figures shown come from Harambee SACCO's own site; "Not published" means that page does not state the figure. Confirm rates with the SACCO before you join.
💰 Savings Products
📋 Loan Products
✨ Features & Services
📝 How to Join Harambee SACCO
Eligibility
Government employees, civil servants, and public sector workers
Steps to Join
- Visit the nearest Harambee SACCO branch or their website
- Fill out the membership application form
- Submit a copy of your national ID and passport photo
- Pay the registration fee and first savings contribution
- Receive your membership number and start saving
Frequently Asked Questions
Is Harambee SACCO licensed by SASRA?
Licensed by SASRA for deposit-taking SACCO business in 2026 (Harambee DT Sacco Society Ltd).
How big is Harambee SACCO?
SASRA reports total assets of KES 41.3B at 31 December 2025.
What is the dividend rate at Harambee SACCO?
Harambee SACCO's own site states a dividend of 15% on share capital for 2024. SACCOs set dividends each year at their annual general meeting.
How do I join Harambee SACCO?
Government employees, civil servants, and public sector workers. Ask the SACCO for its registration fee and minimum monthly contribution.
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