Harambee SACCO
One of Kenya's oldest and most established SACCOs, serving government and civil service employees with affordable loan products.
💰 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 (KES 500/month)
- Receive your membership number and start saving
Frequently Asked Questions
What is the dividend rate at Harambee SACCO?
Harambee SACCO pays 13% dividends on share capital. This is around the industry average of 13%.
How do I join Harambee SACCO?
Government employees, civil servants, and public sector workers. You will need a national ID, passport photo, and the minimum monthly savings of KES 500/month.
What is the loan rate at Harambee SACCO?
Harambee SACCO offers loans at 12% p.a. reducing balance. Members can borrow up to 3x savings (3x their savings).
How much can I borrow from Harambee SACCO?
You can borrow up to 3 times your total savings. For example, with KES 500,000 in savings, you could borrow up to KES 1,500,000.
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Compare All SACCOs in Kenya
See how Harambee SACCO compares to 55 other SACCOs