Best Saccos In Kenya

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SACCO is an abbreviation for Savings and Credit Co-Operative Society. It’s a member-based financial institution which operates on co-operative values, identity, and principles which includes social responsibility, openness, honesty, and caring for each other.

Saccos are owned by members and not investors like in banks and micro finance institutions. The main drive for Saccos is not profit maximasiation like banks and microfance institutions but the interest of its members.

Why Should You Join A Sacco?

There are several benefits that accrue by one joining a Sacco in Kenya. This include but not limited to; (You can read more about Sacco’s on this article)

1. Cost-efficient financial services

Since SACCOs are a not-for-profit and member-owned organization, they pass on their success to its members by offering higher interest rates for savings, lower interest rates on loans compared to banks, and lower fees.

2. Community association

SACCOs play a crucial role in supporting the local economies by providing financial education & awareness. They also reach out to support small businesses. SACCOs are also known for supporting the local charitable organizations in the community.

3. Shared branching

Shared branching is a unique feature of SACCO. This is because SACCOs are often local institutions and they lack a widespread network of ATMs and branches. However, in many cases, users can utilize the branches and ATMs of SACCOs for free via a shared branching network.

4. Improved customer service

SACCO offers superior customer services as compared to that of traditional banks. A customer who values building relationships and rapport with loan officers and tellers, he will only prefer SACCOs over any traditional bank.

In Kenya, Saccos are established under the Sacco Societies Act No. 14 of 2008. The Act establishes The Sacco Societies Reguratory Authority (SASRA) which is guided by;

  • Sacco Societies Non-Deposit Taking Business Regulations 2020
  • Sacco Society Regulations

Best Deposit Taking Saccos In Kenya

We distinguish Saccos into 2 main categories, those licenced to take deposits and those that are not deposit taking Saccos. Here are the best deposit taking Saccos in Kenya;

List Of Licensed Deposit Taking Saccos In Kenya
Name Of The Sacco Society Postal Address Location Of Head Office  County
1. 2NK Sacco Society P.O. Box 12196 – 10109, Nyeri Kang’aru Corner Building, Gakere Road, Nyeri
2. Acumen Sacco Society P.O. Box 1325 – 00200, Nairobi Great-Wide Mall, Magadi Road, Ongata Rongai Kajiado
3. Afya Sacco Society P.O. Box 11607 – 00400, Nairobi. Afya Centre,  Tom Mboya Street, Nairobi CBD Nairobi
4. Agro-Chem Sacco Society P.O. Box 94 – 40107, Muhoroni. Unierectus Building, Muhoroni Town Kisumu
5. Ainabkoi Sacco Society P.O. Box 120 – 30101, Ainabkoi Ainabkoi Building, Ainabkoi Trading Centre Uasin Gishu
6. Airports Sacco Society P.O. Box 19001 – 00501, Nairobi. Airports SACCO Building, KAA HQs, J.K.I.A, Nairobi
7. Amica Sacco Society P.O. Box 816 – 10200, Murang’a. Mugama Unions Building, Uhuru Street, Murang’a Murang’a
8. Ammar Sacco Society P.O Box 6957 – 01000, Thika. Pushpa Plaza, Kwame Nkrumah Rd, Thika Town Kiambu
9. Ardhi Sacco Society P.O. Box 28782 – 00200, Nairobi. Survey of Kenya Field Hqs, Off Thika Rd, Nairobi Nairobi
10. Asili Sacco Society P.O. Box 49064 – 00100, Nairobi. Asili Co-op Centre, Ngara Road, Ngara, Nairobi Nairobi
11. Azima Sacco Society P.O. Box 1124 – 01000, Thika. Azima Sacco Plaza, Wabera street, Thika Town Kiambu
12. Bandari Sacco Society P.O. Box 95011 – 80104, Mombasa. Bandari Sacco Plaza, Moi Avenue, Mombasa City Mombasa
13. Baraka Sacco Society P.O. Box 1548 – 10101, Karatina. Baraka Sacco Bldg, Off- Kiaruhiu, Karatina Town Nyeri
14. Baraton University Sacco Society P.O Box 2500 – 30100, Eldoret. University of Eastern Africa, Baraton, Eldoret Town Uasin Gishu
15. Biashara Sacco Society P.O. Box 1895 – 10100, Nyeri. Biashara Sacco Building, Kimathi Way, Nyeri Town Nyeri
16. Biashara Tosha Sacco Society P.O Box 189 – 60101, Manyatta. Gakundu F.C.S Bldg, Embu-Kianjokoma Rd, Manyatta Embu
17. Bi-High Sacco Society P.O. Box 90 – 60500, Marsabit. Marsabit Teachers Plaza, Mosque Rd, Marsabit Town Marsabit
18. Bingwa Sacco Society P.O. Box 434 – 10300, Kerugoya. Tea Growers Complex Bldg, Kutus/Karatina Rd, Kerugoya Town Kirinyaga
19. Boresha Sacco Society P.O. Box 80 – 20103, Eldama Ravine. Teachers Plaza, Market Road, Eldama Ravine Town Baringo
20. Capital Sacco Society P.O Box 1479 – 60200, Meru. MACCU Building, Kenyatta Highway, Meru Town Meru
21. Centenary Sacco Society P.O. Box 1207 – 60200, Meru. Intercity Centre, Kenyatta Avenue, Meru Town Centre Meru
22. Chai Sacco Society P.O. Box 278 – 00200, Nairobi. KTDA Plaza, Moi Avenue, Nairobi CBD Nairobi
23. Chuka University Sacco Society P.O. Box 109 – 60400, Chuka Chuka University, Chuka Town Tharak Nithi
24. Chuna Sacco Society P.O. Box 30197 – 00100, Nairobi. Engineering Dept. UON, Harry Thuku Rd, Nairobi City Nairobi
25. Cosmopolitan D.T. Sacco Society P.O. Box 1931 – 20100, Nakuru. Natec Building, Mburu Gichua Street, Nakuru Town Nakuru
26. County Sacco Society P.O. Box 21 – 60103, Runyenjes. County Sacco Building, Kanja Market Centre Embu
27. Daima Sacco Society P.O. Box 2032 – 60100, Embu. Daima SACCO Building, Manyatta Market Centre Embu
28. Defence Sacco Society P.O. Box 40668 – 00100, Nairobi DOD HQS, Nairobi Nairobi
29. Dhabiti Sacco Society P.O. Box 353 – 60600, Maua. Dhabiti SACCO Building, Kanuni Road, Maua Town Meru
30. Dimkes DT Sacco Society P.O. Box 886 – 00900, Kiambu. Bishop Magua House, Biashara Street, Kiambu Town Kiambu
31. Dumisha Sacco Society P.O Box 84 – 20600, Mararal. Teachers Plaza, Harambee street, Maralal Town. Samburu
32. Eco-Pillar Sacco Society P.O. Box 48 – 30600, Kapenguria Teachers Plaza, Lotodo Street, Kapenguria Town West Pokot
33. Edis Sacco Society P.O. Box 228-20400, Bomet Ngocho Building, Opp. NCPB Bomet Depot, Bomet Town Bomet
34. Egerton Sacco Society P.O. Box 178 – 20115, Egerton. Egerton SACCO Plaza, Egerton University, Njoro Nakuru
35. Elimu Sacco Society P.O Box 10073 – 00100, Nairobi. Elimu Hse, Mubiru Road, South B, Nairobi City Nairobi
36. Enea Sacco Society P.O. Box 1836 – 10101, Karatina. Kiangararu House, Karatina Town Nyeri
37. Faridi Sacco Society P.O. Box 448 – 50400, Busia. Faridi Housing Plaza, Busia Town Busia
38. Fariji Sacco Society P.O. Box 589 – 00216, Githunguri. Diplomat House, Githunguri Town Kiambu
39. Fortitude Sacco Society P.O. Box 237 – 40305, Mbita. Fortitude SACCO Building, Mbita Township Homa Bay
40. Fortune Sacco Society P.O. Box 559 – 10300, Kerugoya. Fortune Plaza, Opp. ACK Cathedral, Kerugoya Town Kirinyaga
41. Fundilima Sacco Society P.O. Box 62000 – 00200, Nairobi. Fedha House, JKUAT, Thika Road, Juja Town Nairobi
42. GDC Sacco Society P.O.Box896 – 00216, Githunguri. GDC SACCO Plaza, Market Street, Githunguri Town Kiambu
43. Golden Pillar Sacco Society P.O. Box 3192 – 60200, Meru. Imenti Complex, Main Stage, Meru Town Meru
44. Good Faith Sacco Society P.O. Box 224 – 00222, Uplands. Kiwa House, Githunguri Road, Uplands Town, Nyambari Kiambu
45. Goodhope Sacco Society P.O. Box 158 – 20500, Narok. Mwalimu Plaza, Narok Town Narok
46. Goodway Sacco Society P.O Box 626 – 10300, Kerugoya. Machere Plaza, Stage street, Kerugoya Town. Kirinyaga
47. Gusii Mwalimu Sacco Society P.O. Box 1335 – 40200, Kisii. Gusii Mwalimu Complex, Kisii Town Kisii
48. Harambee Sacco Society P.O. Box 47815 – 00100, Nairobi. Harambee Sacco Plaza, Nairobi City Centre Nairobi
49. Hazina Sacco Society P.O. Box 59877 – 00200, Nairobi. Hazina SACCO Bldg. Kibera Rd, Off Ngong Rd. Nairobi Nairobi
50. Home Business Sacco Society P.O Box 1073- 20300, Nyahururu TEK BIZ Centre, Koinange Road, Nyahururu Town Laikipia
51. Ilkisonko Sacco Society P.O Box 91 – 00209, Loitokitok. Musangairo F.S Building, Loi- toktok/Emali Road, Loitoktok Town Kajiado
52. Imarika Sacco Society P.O. Box 712 – 80108, Kilifi. KITECOH Complex, Kwa Charo Wa Mae Street, Kilifi Town Kilifi
53. Imarisha Sacco Society P.O. Box 682 – 20200, Kericho. Kipsigis Teachers Co-op House, Kericho Town Kericho
54. Invest and Grow (IG) Sacco Society P.O. Box 1150–50100, Kakamega. IG Plaza, Khalisia-3 Road, Kakamega Town Kakamega
55. Jacaranda Sacco Society P.O. Box 1767 – 00232, Ruiru. Finance House, Ground Floor, Ruiru Town Kiambu
56. Jamii Sacco Society P.O. Box 57929 – 00200, Nairobi. Jamii Sacco Court, Mukenia Rd, South B, Nairobi Nairobi
57. Jamii Yetu Sacco Society P.O. Box 469 – 60600, Maua. MMH SACCO Plaza, Kanuni – Meru Rd, Maua Town Meru
58. Jitegemee Sacco Society P.O. Box 86937 – 80100, Mombasa. Kizingo House 2, Kaunda Road, Mombasa City Mombasa
59. Joinas Sacco Society P.O. Box 669 – 00219, Karuri. Kanja Hse, Limuru-Banana Rd, Banana Hill Town Kiambu
60. Jumuika Sacco Society P.O. Box 14 – 40112, Awasi. Chemelil Sugar Sports Com- plex, Chemelil Town Kisumu
61. Kabiyet Sacco Society P.O Box 195 – 30303, Kabiyet. Kabiyet Nandi
62. Kencream Sacco Society P.O. Box 300131 – 00200, Nairobi. Creamery   House, Dakar Road, Nairobi Nairobi
63. Kenpipe Sacco Society P.O. Box 314 – 00507, Nairobi. Kenpipe Plaza, Off Nanyuki Rd, Industrial Area, Nairobi Nairobi
64. Kenversity Sacco Society P.O. Box 10263 – 00100, Nairobi. Kenversity Plaza, Kahawa Sukari Area, Nairobi Nairobi
65. Kenya Achievas Sacco Society P.O. Box 3080 – 40200, Kisii. Achievas Plaza Nyamache-Igembe-Igage Rd, Nyamache Town Kisii
66. Kenya Bankers Sacco Society P.O. Box 73236 – 00200, Nairobi. Kenya Bankers Sacco Centre, 3rd Ngong Avenue, Nairobi City. Nairobi
67. Kenya Highlands Sacco Society P.O. Box 2085 – 002000, Kericho. Temiik House, Kericho – Kisumu Road, Kapsoit Market Centre Kericho
68. Kenya Police Sacco Society P.O. Box 51042 – 00200, Nairobi. Kenya Police Sacco Plaza, Ngara Rd, Ngara, Nairobi Nairobi
69. Kimbilio Daima Sacco Society P.O. Box 81 – 20225, Kimulot. Chepsol Plaza, Kimulot Town Centre Kericho
70. Kimisitu Sacco Society P.O. Box 10454 – 00200, Nairobi AEA Plaza, Valley Road. Nairobi City Nairobi
71. Kingdom Sacco Society P.O. Box 8017 – 00300, Nairobi. Empower House, Githurai 45, off Thika Rd, Githurai Area, Nairobi Nairobi
72. Kite Sacco Society P.O. Box 2073 – 40100, Kisumu. Kenya Re-Insurance Plaza, Bank Street, Kisumu Kisumu
73. Kitui Teachers Sacco Society P.O. Box 254 – 90200, Kitui. Kitui Teachers Sacco Plaza, Kalundu Road, Kitui Town Kitui
74. Kolenge Tea Sacco Society P.O Box 291 – 30301, Nandi Hills. Nandi-Hills Plaza, Market Street, Nandi Hills Town Nandi
75. Koru Sacco Society P.O. Box Private Bag-40100, Koru Homa lime Company, Koru Town Kisumu
76. K-Pillar Sacco Society P.O. Box 83 – 20403, Mogogosiek. K-Pillar Bldg, Bomet –Litein Rd, Mogogosiek Town Bomet
77. K-Unity Sacco Society P.O. Box 268 – 00900, Kiambu. Mapa House, Biashara Street,Kiambu Town Kiambu
78. Kwetu Sacco Society P.O Box 818 – 90100, Machakos. Mwalimu Centre, Syokimau Road, Machakos Town Machakos
79. Lainisha Sacco Society P.O. Box 272 – 10303, Wang’uru. SACCO Building, Embu-Nairobi Rd, Wanguru Town Kirinyaga
80. Lamu Teachers Sacco Society P.O. Box 110 – 80500, Lamu. Lamu Teachers Housing Bldg. Galogalo Street, Lamu Town Lamu
81. Lengo Sacco Society P.O. Box 1005 – 80200, Malindi. Standard Arcade, Lamu Rd, Malindi Town Kilifi
82. Mafanikio Sacco Society P.O Box 86515 – 80100, Mombasa. Mombasa Teacher’s Plaza, Jomo Kenyatta Avenue,Mom- basa Town Mom- basa
83. Magadi Sacco Society P.O. Box 13 – 00205, Magadi. Pam View Building, Magadi Road, Magadi Town Kajiado
84. Magereza Sacco Society P.O. Box 53131 – 00200, Nairobi. Mageso Chambers, Moi Avenue, Nairobi City Centre Nairobi
85. Maisha Bora Sacco Society P.O. Box 30062 – 00100, Nairobi. Unilever Kenya Office, Commercial Street, Industrial Area, Nairobi Nairobi
86. Mentor Sacco Society P.O. Box 789 – 10200, Murang’a. Mentor Complex, Uhuru Road, Murang’a Town Murang’a
87. Metropolitan National Sacco Society P.O. Box 5684 – 00100, Nairabi, Kiambu. Chai House, Koinange Street, Nairobi City Centre Nairobi
88. Mombasa Port Sacco Society P.O. Box 95372 – 80104, Mombasa. Mombasa Port SACCO Plaza, Mwakilingo Road, Mombasa Mombasa
89. Mudete Factory Tea Growers Sacco Society P.O. Box 221 – 41053, Khayega. SACCO Plaza, Kakamega- Kisumu Road, Khayega Town Kakamega
90. Muki Sacco Society P.O Box 398 – 20318, North Kinangop Muki House, Ndunyu-Njeru Town Centre Nyandarua
91. Mwalimu National Sacco Society P.O. Box 62641 – 00200, Nairobi. Mwalimu Towers, Upper Hill, Nairobi Nairobi
92. Mwietheri Sacco Society P.O. Box 2445 – 60100, Embu. Rungeto Farmers Co-op Society Bldg, Githure Market Centre Embu
93. Mwito Sacco Society P.O. Box 56763 – 00200, Nairobi. Mwito House, Desai Road, Nairobi City Nairobi
94. Nacico Sacco Society P.O. Box 34525 – 00100, Nairobi. NACICO Plaza, Landhies Road, Nairobi City Nairobi
95. Nafaka DT Sacco Society P.O. Box 30586 – 00100, Nairobi. Nairobi Silos Complex, Outer-Ring Road, Nairobi Nairobi
96. Nandi Farmers Sacco P.O Box 333 – 30301, Nandi Hills Market Street, Nandi Hills Plaza, Nandi Hills Town Nandi
97. Nation DT Sacco Society P.O. Box 22022 – 00400, Nairobi. Cambrian House, Moi Avenue, Nairobi CBD Nairobi
98. Nawiri Sacco Society P.O Box 400 – 60100, Embu. EMCO Hse, Taifa Road, Embu Town Embu
99. Ndege Chai Sacco Society P.O. Box 857 – 20200, Kericho. Ndege Chai House, Kisumu-Kericho Highway,  Kericho Town Kericho
100. Ndosha Sacco Society P.O. Box 532 – 60401, Chogoria– Maara. Ndosha Sacco Plaza, Chogoria Town Tharaka Nithi
101. New Fortis Sacco Society P.O. Box 1939 – 10100, Nyeri. Newfortis SACCO Complex, Off Kenyatta Road, Nyeri Town Nyeri
102. Nexus Sacco Society P.O Box 251 – 60202, Nkubu. Kathera House, Embu-Nkubu Road, Nkubu Town Meru
103. Ng’arisha Sacco Society P.O. Box 1199 – 50200, Bungoma. Bungoma Teachers SACCO Plaza, Moi Avenue, Bungoma Town Bungo- ma
104. NRS Sacco Society P. O Box 575 – 00902, Kikuyu. 62-Ondiri Building, Kikuyu Road, Kikuyu Town Kiambu
105. NSSF Sacco Society P.O. Box 43338 – 00100, Nairobi. Social Security House, Bishops Road, Nairobi Nairobi
106. Nufaika Sacco Society P.O Box 735 – 10300, Kerugoya. Machere Building, Machere Street, Kerugoya Town Kirinyaga
107. Nyala Vision Sacco Society P.O Box 27 – 20306, Ndaragwa. Kimathi Street, Mahiga Building Nyandarua
108. Nyambene Arimi Sacco Society P.O. Box 493 – 60600, Maua. Nyambene Arimi Plaza, Maua-Kanuni Rd, Ndaragwa Town Meru
109. Nyati Sacco Society P.O. Box  7601 – 00200, Nairobi Oddysey Plaza – Mukoma Rd, Nairobi Nairobi
110. Ollin Sacco Society P.O Box 83 – 10300, Kerugoya. Ollin SACCO Complex, Total-DC Rd.  Off, Kutus-Karatina High- way, Karatina Town Kirinyaga
111. Orient Sacco Society P.O. Box 1842 – 01000, Thika. Former CDF Offices, Section 9 Road, Thika Town Kiambu
112. Patnas Sacco Society P.O Box 601 – 20210, Litein. Patnas Plaza, Kericho- Sotik Road, Litein Town Kericho
113. Prime Time Sacco P.O. Box 512 – 30700, Iten Mwalimu Plaza, Iten-Eldoret Road, Iten Town Elgeyo Marakwet
114. PUAN Sacco Society P.O Box 404 – 20500, Narok. Farmers Building, Narok- Naku- ru Road, Narok Town Narok
115. Qwetu Sacco Society P.O Box 1186 – 80304, Wundanyi TATECOH Building, Wundanyi Town Taita Taveta
116. Rachuonyo Teachers Sacco Society P.O. Box 147 – 40332, Kosele Oyugis-Kisii Road, Oyugis Town Homa Bay
117. Safaricom Sacco Society P.O. Box 66827 – 00800, Nairobi. Safaricom Care Centre, Waiyaki Way,Westlands, Nairobi Nairobi
118. Sheria Sacco Society P.O. Box 34390 – 00100, Nairobi. Sheria SACCO Hse, Off-Matum- bato Street, Upper-Hill, Nairobi Nairobi
119. Shirika Deposit Taking Sacco Society P.O Box 43429 – 00100, Nairobi. Shirika Co-op Hse, Kipande / Ngara Rd, Ngara, Nairobi City Nairobi
120. Shoppers Sacco Society P.O. Box 16 – 00507, Nairobi Nature House, Tom Mboya Street, Nairobi CBD Nairobi
121. Simba Chai Sacco Society P.O. Box 977 – 20200, Kericho. Kericho – Brooke Centre Kericho/Nakuru Highway, Kericho Town Kericho
122. Siraji Sacco Society P.O. Box Private Bag, Timau. NKM Place, Nanyuki – Meru Highway Meru
123. Skyline Sacco Society P.O. Box 660 – 20103, Eldama Ravine. Skyrise Plaza, Eldama Ravine- Eldoret Road, Eldama Ravine Town Baringo
124. Smart Champions Sacco Society P.O Box 64 – 60205, Githongo Muranene Building, near Gi- thongo Chief’s Camp, Githongo Trading Centre Meru
125. Smart-Life Sacco Society P.O Box 118 – 30705, Kapsowar. Marakwet Teachers Plaza, Moi Street, Kapsowar – Sinon Rd, Kapsowar Town Elgeyo Marakwet
126. Solution Sacco Society P.O. Box 1694 – 60200, Meru. Meru Mwalimu Plaza, Gakoro- mone Road, Meru Town Meru
127. Sotico Sacco Society P.O. Box 959 – 20406, Sotik. Amoket Estate, Sotik Town Bomet
128. Southern Star Sacco Society P.O Box 514 – 60400, Chuka Mt. Building, Embu-Meru Road, Chuka Town Tharaka Nithi
129. Stake Kenya Sacco Society P.O. Box 208 – 40413, Kehancha Stake Kenya SACCO Plaza, Kehancha-Ntimaru Rd. Kehancha Town Migori
130. Stawisha Sacco Society P.O Box 27 – 50203, Kapsokwony. Mwalimu plaza, Kapsokwony- Kaptama Road. Kapsokwony Town Elgeyo Marakwet
131. Stima DT Sacco Society P.O. Box 75629 – 00100, Nairobi. Stima SACCO Plaza, Mushembi Road, Parklands, Nairobi Nairobi
132. Strategic-Urembo Sacco Society P.O. Box 78506, Nairobi. Lunga Lunga Square, Industrial Area Nairobi Nairobi
133. Suluhu Sacco Society P.O Box 489 – 90400, Mwingi. Mwingi Mwalimu Plaza, Kyuso Road, Mwingi Town Kitui
134. Supa Sacco Society P.O. Box 271 – 20600, Maralal. Supa Plaza, Posta Road Maralal Town Samburu
135. Tabasamu Sacco Society P.O. Box 123 – 80403, Kwale. Tunawiri House, Kwale-Kinango Rd, Kwale Town Kwale
136. Tabasuri Sacco Society P.O. Box 80862 – 80100, Mombasa. Texas Plaza, Fidel Odinga Road, Mombasa City Mombasa
137. TAI Sacco Society P.O. Box 718 – 00216, Githunguri. Tai Plaza, Uplands/Limuru Road, Githunguri Town Kiambu
138. Taifa Sacco Society P.O. Box 1649 – 10100, Nyeri. NCU Building, Gakere Road, Nyeri Town Centre Nyeri
139. Taqwa Sacco Society P.O. Box 10180 – 00100, Nairobi Jamia Plaza, 3rd floor Kigali Street, Nairobi Nairobi
140. Taraji Sacco Society P.O. Box 605 – 40600, Siaya. Mwalimu Plaza, Oginga Odinga Street, Siaya Town Siaya
141. Telepost Sacco Society P.O. Box 49557 – 00100, Nairobi City Square Post Office, Haile Selassie Road, Nairobi Nairobi
142. Tembo Sacco Society P.O. Box 91 – 00618, Ruaraka. Tembo SACCO Complex, Gar- den Estate Rd, Mukima Drive, Ruaraka Nairobi
143. Tenhos Sacco Society P.O. Box 391 – 20400, Bomet. Tenhos Bldg. Kericho – Silibwet Rd, Tenwek, Bomet Bomet
144. Thamani Sacco Society P.O. Box 467 – 60400, Chuka. Thamani Sacco Building, Chuka Town Tharaka Nithi
145. The Apple Sacco Society P.O Box 153 – 50305, Sirwa. TASCCOS House, Kapsabet- Chavakali Road, Chepsonoi Trading Centre Nandi
146. The Noble Sacco Society P. O. Box 3466 – 30100, Eldoret The Noble SACCO Building, Eldoret Town Uasin Gishu
147. Times-U Sacco Society P.O. Box 310 – 60202, Nkubu. Along KCB Street, Nkubu Town Meru
148. Tower Sacco Society P.O. Box 259 – 20303, Ol’kalou. Tower SACCO FOSA Bldg, Nyahururu- Ol’kalou Road, Ol’Kalou Township Nyandarua
149. Trans- Elite County Sacco Society P.O Box 547 – 30300, Kapsabet. Former Barclays Bank Building, Kapsabet Town, Nandi
150. Trans Nation Sacco Society P.O. Box 15 – 60400, Chuka. Mwalimu Centre Building, DC Rd, Chuka Town Tharaka Nithi
151. Trans-Counties Sacco Society P.O. Box 2965 – 30200, Kitale. Trans- Counties Sacco Office, Plot 45, Kapsara Centre Trans Nzoia
152. Trans-National Times Sacco Society P.O. Box 2274 – 30200, Kitale Teachers’ Plaza Building, KANU Street, Kitale Town Trans Nzoia
153. Ufanisi DT Sacco Society P.O Box 2973 – 00200, Nairobi. Development House, Moi Ave- nue, Nairobi City Centre Nairobi
154. Ukristo Na Ufanisi Wa Anglicana Sacco Society P.O Box 872 – 00605, Nairobi. ACK Emmanuel Church Riruta, Riruta Area, Nairobi Nairobi
155. Ukulima Saco Society P.O. Box 44071 – 00100, Nairobi. Ukulima Co-operative House, Haile Selassie Avenue, Nairobi City Centre Nairobi
156. Unaitas Sacco Society P.O. Box 38791 – 00100, Nairobi. Cardinal Otunga Plaza, Kaunda street, Nairobi Nairobi
157. Uni-County Sacco Society P.O Box 10132 – 20100, Nakuru Kenyatta Avenue, Vickers House, Nakuru Town Nakuru
158. Unison Sacco Society P.O Box 414 – 10400, Nanyuki. Unison Sacco Bldg. Nanyuki/ Nyeri Rd, Nanyuki Laikipia
159. United Nations Sacco Society P.O. Box 2210 – 00621, Nairobi. UN-Complex Bldg, Gigiri Area, Nairobi Nairobi
160. Universal Traders Sacco Society P.O. Box 2119 – 90100, Machakos. Traders House, Syokimau Road, Machakos Town. Machakos
161. Ushuru Sacco Society P.O. Box 52072 – 00200, Nairobi. Ushuru SACCO Centre, Wood Avenue, Kilimani, Nairobi City Nairobi
162. Vihiga County Farmers Sacco Society P.O Box 309 – 50317, Chavakali. Chavakali-Kapsabet Road Kakamega
163. Viktas Sacco Society P.O Box 2183 – 20300, Nyahururu. Glanin Bldg. Nyeri/ Nyahururu Road, Mairo – Inya Trading Centre Nyandarua
164. Vision Africa Sacco Society P.O Box 18263 – 20100, Nakuru. Kenyatta Avenue, Rajdeep Bldg. Nakuru Town Centre Nakuru
165. Vision Point Sacco Society P.O. Box 42
– 40502, Nyan-
siongo.		 Borabu Farmers Union Building, Keroka – Sotik Highway, Nyan- siongo Town Nyamira
166. Wakenya Pamoja Sacco Society P.O. Box 829 – 40200, Kisii. Kahawa House, Kisii-Keroka Road, Kisii Town Kisii
167. Wakulima Commercial Sacco Society P.O. Box 232 – 10103, Mukurweni. MWD LTD Complex Mukurweini–Nyeri Road, Mukurweini Town Nyeri
168. Wana-anga Sacco Society P.O. Box 34680 – 00501, Nairobi. Meteorological Hqs, Ngong Road,  Nairobi City Nairobi
169. Wananchi Sacco Society P.O. Box 910 – 10106, Othaya. Wananchi Sacco Building, Nyeri-Othaya-Kiriani Road Othaya Town Centre Nyeri
170. Wanandege Sacco Society P.O. Box 19074 – 00501, Nairobi. Wanandege Plaza, Old North Airport Road,  Embakasi, Nairobi Nairobi
171. Washa Sacco Society P.O. Box 83256 – 80100, Mombasa. Ralli House, Nyerere Avenue, Mombasa Town Mombasa
172. Waumini Sacco Society P.O. Box 66121 – 00800, Nairobi. Applewood Adams Bldg, 2nd Floor, Ngon’g Rd, Adams Arcade, Nairobi Nairobi
173. Wevarsity Sacco Society P.O Box 873 – 50100, Kakamega. MMUST School of Nursing, Kakamega-Webuye Road, Kakamega Town Kakamega
174. Winas Sacco Society P.O. Box 696 – 60100, Embu. Winas Sacco Building, Kenyatta Highway, Embu Town Embu
175. Yetu Sacco Society P.O. Box 511 – 60202, Nkubu. SACCO Building, Nkubu-Mi- kumbune Road, Nkubu Town Centre Meru

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