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Harambee DT Sacco
Empowerment. Development. Security. — Kenya’s 4th largest deposit-taking Sacco, empowering over 78,000 members to live with dignity and accomplishment since 1969.
🏦 Deposit-Taking Sacco
📅 Founded 1969
💰 KES 38.69 Billion Assets
📋 About Harambee DT Sacco
Harambee DT Sacco was formed in 1969, born from a single unit within the Office of the President (OOP), with a simple purpose: to promote financial security and cooperative growth among public servants. The Sacco operated first from the Office of the President, then Government Printers, and later Shankadas House, before breaking ground in 1979 on what would become its landmark headquarters, Harambee Co-operative Plaza, along Haile Selassie Avenue in Nairobi’s Central Business District. Construction was completed in 1986, giving the Sacco a proud, purpose-built home after years of borrowed space.
Today, Harambee DT Sacco serves over 78,000 members and manages assets exceeding KES 38.69 billion, making it the fourth-largest deposit-taking Sacco in Kenya. Its membership is drawn primarily from public servants and government institutions, with the Sacco recognised as one of the largest and most trusted cooperative societies in the country. The Sacco offers a wide range of financial products including savings and loan facilities, life and health insurance, mortgages, and FOSA (Front Office Service Activity) and BOSA (Back Office Service Activity) products, alongside digital banking channels. Reflecting its Vision 2030 target of KES 50 billion in assets, Harambee continues to expand — most recently opening its Nanyuki FOSA branch in 2025 to extend accessible financial services into the Mt Kenya region.
🏷️ Company Details
| Type | Deposit-Taking Sacco (DT-Sacco) |
| Founded | 1969 (Office of the President) |
| Ranking | 4th Largest DT-Sacco in Kenya |
| Membership | 78,000+ (Primarily Public Servants) |
| Asset Base | KES 38.69 Billion |
| Head Office | Harambee Co-operative Plaza, Haile Selassie Avenue / Uhuru Highway, Nairobi |
| City | Nairobi, Kenya |
| Postal Address | P.O. Box 47815-00100 (GPO), Nairobi, Kenya |
| Electoral/Delegate Branches | 174 Across Kenya |
| FOSA Branches | Nairobi, Mombasa, Kisumu, Eldoret, Nakuru, Nanyuki |
| Vision 2030 Target | KES 50 Billion in Assets |
| Direct Lines | +254 709 943 000 / +254 709 943 100 |
| info@harambeesacco.com | |
| Website | harambeesacco.com |
⚙️ Products & Services
🔵 BOSA (Back Office Service Activity)
🔵 Advanced Loan
🔵 Normal Loan
🔵 Business Loans
🔵 Cheque Advance
🔵 School Fees Loans
🔵 Emergency Loans
🔵 Jenga Loan (Construction)
🔵 Home / Mortgage Loans
🔵 Sink Fund
🔵 Life & Health Insurance
🔵 ATM Services
🔵 Mobile & Internet Banking
🔵 52-Week Savings Challenge
🔵 Financial Literacy Workshops
🏢 Branch Locations & Contacts
| Branch | Location | Contact |
| Nairobi (Head Office) | Harambee Co-operative Plaza, Haile Selassie Avenue/Uhuru Highway | +254 709 943 000 |
| Mombasa | Ground Floor, Pandheer Court, Nkrumah Road | +254 709 943 150 / 152 / 155 |
| Kisumu | Central Square Building, Oginga Odinga Road | +254 709 943 140 / 141 / 142 |
| Eldoret | Eldoret Town (North Rift Region) | +254 709 943 130 / 131 / 135 |
| Nakuru | Along the Highway, Nakuru Town | +254 709 943 120 / 124 / 123 |
| Nanyuki | Nanyuki Town (Mt Kenya Region) — Opened 2025 | Contact Head Office |
Beyond FOSA branches, Harambee Sacco also operates through 174 delegate/electoral branches nationwide, reaching members down to the sub-location level.
🕐 Opening Hours
| Monday | 8:00 AM – 5:00 PM | Open |
| Tuesday | 8:00 AM – 5:00 PM | Open |
| Wednesday | 8:00 AM – 5:00 PM | Open |
| Thursday | 8:00 AM – 5:00 PM | Open |
| Friday | 8:00 AM – 5:00 PM | Open |
| Saturday | 8:00 AM – 1:00 PM | Open |
| Sunday | — | Closed |
🗺️ Service Areas
📍 Mombasa & Coast Region
📍 Kisumu & Nyanza Region
📍 Eldoret & North Rift Region
📍 Nakuru County
📍 Nanyuki & Mt Kenya Region
📍 Nationwide — 174 Electoral/Delegate Branches
📸 Photos
A Harambee Sacco FOSA branch serving members across Kenya
The newly opened Nanyuki FOSA branch, launched in 2025
Swipe to view more photos
📍 Location & Map (Head Office)
📍 Harambee Co-operative Plaza, Haile Selassie Avenue/Uhuru Highway, Nairobi, Kenya · Get Directions →
📬 Contact Information
| 🌐 Website | harambeesacco.com |
| 📞 Direct Lines | +254 709 943 000 / +254 709 943 100 |
| 📧 Enquiries | info@harambeesacco.com |
| 💻 Internet Banking | Portal available via website |
| 📍 Head Office | Harambee Co-operative Plaza, Haile Selassie Avenue/Uhuru Highway, P.O. Box 47815-00100 (GPO), Nairobi, Kenya |
🔗 Social Media
⭐ Reviews & Ratings
Harambee Sacco is trusted by generations of public servants for its stability, wide reach down to the sub-location level through its delegate branches, and consistent growth toward its Vision 2030 goals.
“My parents were both members before me and now I am too — it’s genuinely a multi-generational institution for public service families. Used the Jenga Loan to build our family home and the process was well organised.”
“So happy the Nanyuki FOSA branch finally opened last year. Before I had to travel to Nakuru for any in-person service. Great to see the Sacco investing in reaching the Mt Kenya region.”
“Solid Sacco overall with reliable dividends. The Kisumu branch can get busy at month-end when salaries and loan disbursements come through — worth going early or using the digital channels for routine transactions.”
“Been a member since the 1990s and even into retirement the Sacco has continued to serve me reliably. The financial literacy workshops are also a nice touch helped my children understand saving early.”
📝 Share Your Experience
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❓ Frequently Asked Questions
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