Harambee SACCO
Harambee DT SACCO Society Ltd · Nairobi · Established 1970
One of Kenya’s oldest SACCOs, anchored in the public service, with a long institutional history.
Key figures
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Who can join
sector bondHistorically employees of the Office of the President and wider public service; membership has broadened over time.
Typical requirements
- National ID
- Employer details
- Passport photo
- Entrance fee + share capital
Loan products
| Product | Amount basis | Max term | Interest |
|---|---|---|---|
| Development loan | 3x deposits | 72 months | Rate varies (sample) |
| Emergency loan | Capped | 12 months | Rate varies (sample) |
Always request loan terms in writing and confirm whether interest is charged flat or on reducing balance — the difference materially changes total cost. Understand guarantorship obligations before signing for anyone.
Access & channels
Official website: www.harambeesacco.com
Regulatory record
Appears on the SASRA register of licensed deposit-taking SACCOs. (Verify current status directly at sasra.go.ke.)
This section reports public-record facts only. FedhaLens does not rate institutions as “safe” or “unsafe”. Confirm current licensing directly on the SASRA website.
Six questions to ask before joining
These apply to every SACCO in Kenya, including this one. A well-run institution will answer all six readily.
- 1Can I see your current SASRA licence and latest audited accounts?
- 2What were the dividend and interest rates for each of the last five years — not just the best year?
- 3What are the full loan terms in writing: rate, method (flat vs reducing balance), fees and insurance?
- 4How does guarantorship work, and what happens to my savings if someone I guaranteed defaults?
- 5What is the process and timeline for withdrawing my deposits or exiting membership?
- 6How are directors elected, and when is the next AGM I could attend?
A note to Harambee SACCO
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