Airports Sacco Society Limited is a prominent Tier-1, Deposit-Taking (DT) Sacco in Kenya. Founded in 1994 by employees of the Kenya Airports Authority (KAA), it has grown from a closed-bond society into a large, inclusive financial institution regulated by the Sacco Societies Regulatory Authority (SASRA).

Airports Sacco Society Limited’s Quick Facts

Names of the Deposit Taking SACCO Society	Postal Address	Physical Location of Head Office	County
			Location of Head Office
Airports Sacco Society Limited	P.O. Box 19048 – 00500, Nairobi	Kenya Airports Authority Head Quarters Building	Nairobi

Currently, the Sacco remains fully licensed and authorized to conduct deposit-taking business in Kenya.

Membership & Eligibility

The Sacco has significantly broadened its “common bond” to allow virtually any Kenyan to join. Current membership categories include:

• Employees: Originally for KAA staff, but now open to all salaried government and private sector employees.
• MSMEs: Individual business owners and entrepreneurs.
• Registered Groups: Self-help groups (Chamas) and investment clubs.
• Diaspora: Kenyans living and working abroad.

Airports Sacco Society Limited’s Financial Products

Airports Sacco operates a dual-wing system, offering both long-term investment and daily banking services:

1. BOSA (Back Office) – Savings & Investment

• Development Loans: Long-term credit for major projects, typically repayable within 48 to 72 months.

• Hifadhi Loan: A specialized product for members with higher deposit contributions.

• School Fees & Emergency Loans: Short-term facilities with quick turnaround times to address urgent needs.

• Dividends: Members earn annual interest on deposits and dividends on share capital based on the Sacco’s performance.

2. FOSA (Front Office) – Banking Services

• Salary Accounts: For processing monthly pay with no monthly ledger fees.

• Micro-Credit: Quick mobile loans and salary advances (e.g., 1-month to 12-month advances).

• Junior & Holiday Accounts: Specialized savings accounts for children and seasonal planning.

• Digital Banking: Full access via the Airports Sacco App and USSD code *850#.

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Airports Sacco Society Limited’s Main Information & Contacts

The Sacco’s primary operations are centered in Nairobi, though it serves members across all major Kenyan airports and beyond.

Detail	Information
Headquarters	Airport Trade Center, JKIA, Nairobi
Postal Address	P.O. Box 19001 – 00501, Nairobi
Main Phone	+254 20 790 3119 / 0717 243119
WhatsApp (FOSA)	0743 294 944
Email	[email protected] / [email protected]

Website: https://www.airportssacco.co.ke/

Why Members Choose Airports Sacco

• Multiplier Effect: Most loans are granted at 3x or 4x of a member’s total deposits.

• Long Repayment: Certain investment products offer flexible repayment periods of up to 84 months.

• Stability: Its historical link to the aviation industry has provided it with a strong financial foundation and high asset quality.

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How to Join Airports Sacco Society Limited

Application for membership

Every applicant for membership shall fill and complete the “Membership Application Form”. This form shall be drawn to show all the information required for the purpose of registration of members.

Download the membership application form(s) below.

• Membership Application Form
  

Admission into Membership

• An applicant shall be admitted to membership on the application upon payment of an entrance fee of Kshs 1,000 and a minimum of 250 shares of Kshs. 20 each or an amount as shall be fixed by the General meeting from time to time.
• Upon admission, the member’s name shall be entered in the membership register and a membership number issued.
• Members shall be admitted by the management board subject to Confirmation by the next general meeting.
• The member shall pay for a copy of the society’s by-laws at its actual cost to the society.

Rights of Members

A member of the society shall have the right to:

• Attend and participate in decision making at all general meetings of the society and vote;
• Be elected to organs of the society, subject to these by-laws;
• Enjoy the use of all the facilities and services of the society subject to the society’s by-laws;
• All legitimate information relating to the society, including, internal regulations, registers, Minutes of general meetings and supervisory committees reports, annual accounts, inventories and investigation reports, at the society’s registered office.

Obligations of Members

A member of the society shall have the obligation to:

• Observe and comply with all the society’s by-laws and decisions taken by the relevant organs of the society;
• Buy and pay up for shares and deposits or make any other regular payments provided for in these By-laws;
• Meet the debts of the society in case of insolvency in accordance with the provisions of the Act and these by-laws.

Member’s Personal Statement

The society may use “check off system”, standing orders or cash for payments of members shares, deposits and loan repayments. However, when direct payments have to be made, they shall be paid directly into the society’s bank account and a receipt issued by the society on submission of the bank slip. Every member shall receive regular statements at least once every three months, which shall contain particulars of membership, shares, deposits and loan transactions with the society.

Withdrawal from Society

A member may at anytime withdraw from the society by giving at least sixty (60) days written notice to the board of directors.

For more detailed information on membership read the Sacco By-laws.

Diaspora membership

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Airports Sacco Society Limited’s Contacts

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Main Services Offered by Airports Sacco Society Limited

1. FOSA Products

The following are the Sacco’s range of Front Office services Activity (FOSA) accounts, loans and services. For more information contact the FOSA office by writing to [email protected] or by calling +254 715 843888. FOSA offices remain open from Monday to Friday, 8:00am to 5:00pm.

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Frequently Asked Questions on Airports Sacco

Why become a member of Airports Sacco Member?

• Avenue for saving with good annual returns inform of Dividends on share capital and interest of deposits.
• Access to competitive credit/ loan facilities.
• Access to individual tailored loans products of up to 4 times member’s deposits.
• Continuous member education & training.
• Fully digitalized self-service options.
• Access to investment product with flexible repayment period of up to 84 months.
• Short turnaround time on processing of loans and services.

Who Can Join Airports Sacco?

• Open to both Salaried and non-salaried Employees
• MSMEs /Business Individual/People
• Registered self-Help Groups
• Kenyans in Diaspora
• Other Government Employees

Q. How does one access Airports Sacco’s mobile banking services?

Dial *720#

Q. How does one deposit cash to Airports Sacco’s Fosa account?

1. Go to m-pesa menu and select Lipa na m-pesa-paybill option.
2. Enter Airports Sacco business number 182239 and click ok
3. Under account no, enter your FOSA account no e.g 1-01-37****-01 or 1-01-37****-06 depending on account type.
4. Enter amount you wish to deposit
5. Enter your m-pesa pin and click OK
6. Confirm your details and press OK
7. You will receive a confirmation message.

Q. What are the common Airports Sacco’s ATM error codes?

• Error code 106 – PIN tries exceeded-card blocked
• Error code 116 – Insufficient Funds
• Error code 118 – Card not activated
• Error code 911/912 – System delay/Network error
• Error code 114 Account dormant

Ainabkoi Sacco Society Limited is a licensed, Deposit-Taking (DT) Sacco based in the North Rift region of Kenya. It is deeply integrated with the Ainabkoi Farmers’ Cooperative Society Ltd, which has been a staple of the agricultural landscape in Uasin Gishu County since 1963.

The Sacco is fully regulated by the Sacco Societies Regulatory Authority (SASRA) and is included in the authorized list for the 2026 financial year.

Also read: Mwalimu National SACCO Loans And How To Apply

Ainabkoi Sacco Society Limited’s Quick Facts

• Type: Deposit-Taking
• County: Uasin Gishu
• Postal Address: P.O Box 120-30101, Ainabkoi
• Head Office: Ainabkoi Farmers’ Cooperative Society Land Eldoret, Naiberi, Timboroa Road

Names of the Deposit Taking SACCO Society	Postal Address	Physical Location of Head Office	County
			Location of Head Office
Ainabkoi Sacco Society Limited	P.O. Box 120-30101, Ainabkoi	Ainabkoi Farmers’ Co-operative Society Land	Uasin Gishu
		Eldoret, Naiberi, Timboroa Road

Ainabkoi Sacco Society Limited’s Agricultural Roots & Operations

The Sacco primarily serves the farming community along the Eldoret-Timboroa corridor. Its operations are closely linked to the dairy and crop production cycles of its members:

• Dairy Excellence: The parent cooperative manages significant milk collection (growing from 1,300 to over 20,000 liters daily in recent years) and value addition, producing products like Champion yoghurt and mala.

• Financial Inclusion: The Sacco provides banking services (FOSA) that allow farmers to receive payments for their produce directly and access credit for farm inputs.

• Diversified Farming: Beyond dairy, it supports potato aggregation, marketing, and poultry farming.

Continue reading: List of Licensed and Authorized Sacco Societies In Kenya

Ainabkoi Sacco Society Limited’s Core Services

Ainabkoi Sacco Society Limited offers the following services:

• Savings & Deposits: Traditional Sacco savings and front-office withdrawal services.
• Credit Facilities: Loans tailored for farmers, including asset financing for dairy equipment and credit for high-quality animal feeds manufactured by the society.
• Digital Integration: The Sacco has recently implemented mobile apps to capture milk collection data transparently and provide farmers with real-time financial tracking.
• Dairy Excellence: Bulk milk collection, cooling, and transportation.
• Value Addition: Production of Champion milk products, including yoghurt and mala.
• Diversified Farming: Potato aggregation, marketing, and poultry support.
• Farm Inputs: Manufacturing of high-quality animal feeds and merchandising of essential farm inputs.
• Digital Integration: Implementing dedicated Apps for transparent farmer data capture and milk collection.

 

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Ainabkoi Sacco Society Limited’s Contact & Location

The Sacco’s headquarters are located in the Naiberi area, providing a central point for farmers in the Ainabkoi and Burnt Forest regions.

Detail	Information
Physical Location	Ainabkoi Farmers’ Cooperative Society Land, Eldoret-Timboroa Road, Naiberi
Postal Address	P.O. Box 120 – 30101, Ainabkoi
Phone	+254 723 175989
Email	[email protected]
County	Uasin Gishu

Ainabkoi Sacco Society Limited’s Membership

While historically focused on the settlement scheme farmers of Ainabkoi, the Sacco serves over 2,500 active members. Membership is generally open to:

1. Dairy and crop farmers in Uasin Gishu and surrounding areas.

2. Business owners within the agricultural value chain.

3. Employees of the cooperative and related institutions.

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Ainabkoi Sacco Society Limited’s Contacts

• Physical Visit: Ainabkoi Farmers Cooperative Society, Eldoret-Timboroa Road, Naiberi
• Phone: +254 723 175989
• Email: [email protected]

Agro-Chem Sacco Society Limited is a licensed deposit-taking Sacco based in Muhoroni, Kisumu County. Founded in 1983, it was originally established to provide financial services to the employees of the Agro-Chemical and Food Company (ACFC) but has since opened its “common bond” to the general public.

Names of the Deposit Taking SACCO Society	Postal Address	Physical Location of Head Office	County
			Location of Head Office
Agrochem Sacco Society Limited	P.O. Box 94 – 40107 Muhoroni	Muhoroni Town	Kisumu

Continue reading: List of Licensed and Authorized Sacco Societies In Kenya

Agrochem Sacco Society Limited’s Overview and Growth

While smaller than giants like Afya Sacco, Agro-Chem is a stable institution that transitioned to a Deposit-Taking Sacco (DTS) to offer front-office banking services.

• Establishment: 1983 (BOSA); 1999 (FOSA).

• Regulation: Fully licensed and regulated by the Sacco Societies Regulatory Authority (SASRA).

• Membership: Open to civil servants, business people, and employees of accredited institutions across Kenya.

   

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Key Services Offered by Agrochem Sacco Society Limited’s

Agro-Chem provides a mix of traditional and digital financial solutions:

• FOSA Services: Includes salary processing, savings accounts, and immediate cash withdrawals.

• Loan Products:

  • Development Loans: Long-term financing for projects.

  • Education Loans: Specifically for school fees.

  • Emergency Loans: Quick turnaround for urgent financial needs.

  • Advance Loans: Short-term credit often linked to salary or expected income.

• Digital Banking: Members can access their accounts and perform transactions via the Agro-Chem Sacco App and mobile platforms.

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Agrochem Sacco Society Limited’s Contacts & Location

The Sacco is deeply rooted in the Muhoroni region but serves members nationwide.

Detail	Information
Head Office	Muhoroni Town, Muhoroni-Chemelil Road, Kisumu County
Postal Address	P.O. Box 94 – 40107, Muhoroni
Phone (Mobile)	+254 742 520 183
Email	[email protected]

Joining the Sacco

To join, individuals typically need to:

1. Fill out a membership application form.

2. Provide a copy of their National ID and KRA PIN.

3. Pay the required registration fee and purchase minimum share capital.

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Agrochem Sacco Society Ltd’s Quick Facts

• Type: Deposit-Taking
• County: Kisumu
• Postal Address: P.O Box 94 – 40107 Muhoroni
• Head Office: Muhoroni Town
  Phone:  0742 520183
  E-mail: agrochemsacco.co.ke:2096