Harambee Co-operative Savings &

Credit Society Limited



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Harambee Sacco: from a Merry-go round, into a multi - billion institution.

Set up by a handful of small income earners and struggling subordinate staff at the Office of the President (OP), way back in 1970; Harambee Sacco is today a multi-billion shilling institution, with thousands of members and an expansive country-wide network that few financial institution in Kenya can match.

With a net asset base of about Ksh. 15 billion,  Harambee Sacco, is feted as the biggest membership base Sacco in Kenya, and the leading in Africa; boasting of over 93, 000 members across the country.

From a single unit at the office of the President, Harambee Sacco has now been devolved into 155 delegate or electoral branches across Kenya, serving our members in the remotest of locations in the country. Indeed, Harambee Sacco continues to enjoy a customer penetration level that goes way down into the minute administrative level in Kenya with chiefs and sub-chiefs in the locations and sub-locations being members of Harambee Sacco.

The 155 delegate or electoral branches are supplemented by five major operational branches set-up in major towns like Kisumu, Mombasa, Nairobi, Eldoret and Nakuru.


Our Vision:

To remain the largest Sacco in membership and be the leader in quality of assets, savings and credit in Africa.

Our Mission Statement:

To continuously improve financial products, adopt leading-edge practices in service and give competitive returns to our members.

Our Motto:

Empowerment, Development and Security


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