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Apstar DT Sacco Society Limiteds Contacts, Branches, Membership, Loans, Dividends, and Shares

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Get Apstar DT Sacco Society Limited’s Contacts, Branches, Membership, Loans, Dividends, and Shares: Apstar DT Sacco Society Limited, formerly known as Ukulima Sacco, is one of Kenya’s oldest and most established deposit-taking Saccos. Originally founded in 1972 by employees of the Ministry of Agriculture, it has since rebranded and expanded its membership to include civil servants, private sector employees, and business owners.

Apstar DT Sacco Society Limited’s Quick Facts

  • Headquarters: Ukulima Co-operative House, Haile Selassie Avenue, Nairobi.
  • Regulatory Status: Fully licensed and regulated by the Sacco Societies Regulatory Authority (SASRA) to conduct deposit-taking business (FOSA).
  • Membership: Open to individuals, organized groups, and corporate bodies.
Name of the Deposit Taking SACCO Society Postal Address Physical Location of Head Office County
Location of Head Office
Apstar DT Sacco Society Limited P.O. Box 44071 – 00100, Nairobi Ukulima Co-operative House, Haile Selassie Nairobi
Avenue, Nairobi

Apstar DT Sacco Society Limited’s Financial Products & Services

Apstar offers a variety of products categorized into short, medium, and long-term solutions:

Category Typical Products
Short-Term Emergency Loans, School Fees Loans, and Mahitaji Loan (mobile-based).
Medium-Term Refinancing loans and development loans (typically 12–36 months).
Shariah Compliant La Riba Advance Loan, designed for members who prefer ethical/interest-free financing frameworks.
Savings Fixed Deposit accounts, Holiday savings, and Junior accounts for children.

Apstar DT Sacco Society Limited’s Digital & Mobile Banking

The Sacco has modernized its operations through the Apstar Sacco App and USSD services. Members can:

  • Apply for mobile loans (Mahitaji).

  • Transfer money to M-Pesa.

  • Pay utility bills and purchase airtime.

  • Monitor their savings and loan balances in real-time.

Apstar DT Sacco Society Limited’s Branches

Apstar has a wide national footprint with branches and satellite offices in:

  • Nairobi (Head Office)

  • Western/Nyanza: Kisumu, Kakamega, Bungoma, Migori, Kisii.

  • Rift Valley: Eldoret, Nakuru, Narok, Kitale.

  • Central/Eastern: Embu, Meru, Kitui.

  • Coast: Mombasa, Kilifi.

Apstar DT Sacco Society Limited’s Contact Information

 

Apstar DT Sacco Society Limited’s Loan Products

Explore the Sacco’s  Dynamic Loan Solutions from Home Loans to Personal Loans, Business Loans to Auto Loans, they offer a comprehensive range of impactful lending options.

Experience Affordable Rates, Streamlined Processes, and Personalized Service, empowering you to achieve your goals and seize new opportunities. Let us be your trusted partner on your path to financial success.

1. Apstar DT Sacco Society Limited’s Long Term Loan Products

At Apstar Sacco, we believe in making credit accessible, affordable, and tailored to your needs. That’s why we’ve simplified and enhanced our loan products—consolidating multiple options into four powerful loan facilities designed to give you flexibility, better terms, and easier repayment.

  1. Super Loan

Up to 120 Months Loan Repayment Period

One loan, more possibilities. The Super Loan now offering you bigger opportunities under one roof. Access Super Loan to a period of up to 10 years.
✅ Repayment Periods: 60, 84 & 120 Months
✅ Competitive Interest Rates: 1.0%, 1.125% & 1.20% per month
✅ Longer Tenure: Now up to 120 months (extended from 96 months)
Perfect for long-term investments, refinancing, and reducing financial stress.

2. FOSA Loan

Up to 72 Months Loan Repayment Period

Are you channeling your salary through our FOSA? We’ve simplified your access to FOSA financing into a single, convenient product.
✅ Repayment Periods: 48, 60 & 72 Months
✅ Interest Rates: 1.0%, 1.1% & 1.2% per month
✅ Lower Rate: 60 months reduced from 1.2% to 1.1%
FOSA Loan is a Great for medium-term projects, asset financing, and refinancing

3. Chipukizi Loan

48 Months Loan Period

Targeted to new members particularly newly employed staff in the Counties, Government ministries, parastatals and government agencies provided it is ones first loan in the Society. At least one month’s check-off remittance or two months’ salary through Fosa for one to qualify. Part of the loan funds are deducted and retained to the member’s deposit account to ensure deposit balance of at-least one third of the loan amount.

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

2. Apstar DT Sacco Society Limited’s Medium Term Loan Products

Our medium-term loans are for tenures ranging from 12 to 36 months specifically designed to cater to individuals and businesses seeking financing for investment and development purposes, with a particular focus on refinancing. With our competitive interest rates and flexible repayment options, we provide the financial support you need to make your investment goals a reality.

La Riba Advance Loan

For our members who prefer Shariah-compliant financing, the Lariba Loan now comes with even greater flexibility.

✅ Deposit Multiplier: Up to 3 times your deposits (previously 2x)
✅ Flexible Administration Fees: 9% (12 months), 12% (24 months), 15% (36 months)

Designed to support growth while staying true to ethical financing.

Articles with related Information:

3. Apstar DT Sacco Society Limited’s Short Term Loan Products

Experience our dynamic short-term loan! Designed with your urgent financial needs in mind, our loan offers a flexible repayment period of under 12 months with favorable interest rates offering you the power to swiftly bridge the gap between your current situation and your desired outcome.

  • Emergency Loan
  • Mahitaji Loan
  • Bima Loan

  • Apstar DT Sacco Society Limited’s Emergency Loan

Because life’s emergencies can’t wait, we’ve revamped our Emergency Loan to also cater for School Fees and any Emergency that may arise.

✅ Repayment Periods: 12, 24 & 36 Months
✅ Affordable Interest Rates: 1.0%, 1.1% & 1.2% per month
✅ Longer Tenure: Now up to 36 months (extended from 30 months)

Ideal for school fees, medical needs, or urgent expenses.

  • Apstar DT Sacco Society Limited’s Mahitaji Loan

This is a revolutionary mobile phone loan product designed to transform the way you connect, communicate, and conquer the digital world. For those who crave the latest technology but prefer flexible payment options, our one-month mobile phone loan is a gateway to unlocking unlimited possibilities.

  • Apstar DT Sacco Society Limited’s Bima Loan

Experience the power of our loan product, offering a seamless and convenient way to manage your insurance payments. Maximum loan term of 12 Months and salary through FOSA is a mandatory requirement.

 

4. Apstar DT Sacco Society Limited’s Makao Home Loans

Our two mortgage loan products to members are based on the refinancing policies and requirements of the Kenya Mortgage Refinance Company (KMRC) who are our key stakeholders. The mortgages are therefore offered at terms that meet the affordable housing agenda of the National Government. The mortgage is strictly for purchase or construction of owner occupier residential houses or homes only.

Makao Halisi Loan

The mortgage is strictly for purchase or construction of owner occupier residential houses or homes only.

  • Accessible to Sacco members whose gross monthly income is Kshs 200,000/- and below.
  • The maximum loan is Kshs 8.0 Million.
  • Interest rate is 8.0 % per annum.
  • Maximum loan tenure is 20 years.
  • Security for the loan is strictly collateral

 

5. Apstar DT Sacco Society Limited’s Business Loan

Imagine a world where aspiring entrepreneurs, regardless of their socio-economic background, can turn their ideas into reality. Our Micro Credit Loans break down the barriers of traditional lending, igniting the spark of innovation and enterprise in even the most marginalized corners of society.

Behind every Micro Credit Loan lies a story of resilience, determination, and untapped potential. From the street vendor who dreams of expanding her business to the farmer yearning for modern equipment to enhance agricultural productivity, these loans serve as catalysts for change, enabling individuals to break free from the shackles of poverty and chart a path towards a brighter future. All it takes is for you to bank your business income with us and have flexible security that requires either collateral or guarantors.

 

Apstar DT Sacco Society Limited’s Rich History

In 1972, employees of the then larger Ministry of Agriculture, came together and founded Apstar Sacco hence the name Ukulima which translates to Agriculture in English. Based on the spirit of cooperative movement founders.

Apstar was bent towards bringing people with a common bond together in a bid to empower each other financially. Those who came together were driven with a purpose of uniting and guarantee each other in order to access loans to help them invest in various areas.

This marked the dawn for Apstar Sacco. Since then, the Sacco membership has grown gradually across the country spanning beyond cities, rural areas and villages empowering members in their day to day economic activities. Apstar Sacco therefore enabled members within these areas and with scarce resources to save and borrow

 

Apstar DT Sacco Society Limited’s Branch Networks

The Sacco is available National wide with over 15 branches and well equipped staff ready to help you grow and save .

  • Apstar DT Sacco Society Limited’s Bungoma Satellite Office

    • Ebenezer Building, Moi Avenue, Ground Floor, Bungoma
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri, Sat
    Directions

  • Apstar DT Sacco Society Limited’s Eldoret Branch

    • Sirikwa Hotel Building, Oloo street P.O. Box 6703-30100 Eldoret, Eldoret
    • 053-2032346
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri
    Directions

  • Apstar DT Sacco Society Limited’s Embu Branch

    Directions

  • Apstar DT Sacco Society Limited’s Head Office:

    • 30788
      Ukulima Co-Operative House, Haile Selassie Avenue, P.O. Box 44071 00100, Nairobi-Kenya, Nairobi, 00100
    • +254-0111035600
    • 08:00 AM – 04:00 PM
    • Mon, Tues, Wed, Thur, Fri
    Directions

  • Apstar DT Sacco Society Limited’s Kakamega Branch

    • AFC building, Kisumu Kakamega Highway Next to Kakamega Police Sacco, Kakamega
    • 020-278500
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri
    Directions

  • Apstar DT Sacco Society Limited’s Kilifi Satellite Office

    • Tetanic Building, Biashara Street, Ground Floor, Kilifi
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri, Sat
    Directions

  • Apstar DT Sacco Society Limited’s Kisii Branch

    Directions

  • Apstar DT Sacco Society Limited’s Kisumu Branch

    • United Mall Ground Floor, Wing A P.O. Box 1378-40100 Kisumu, Kisumu
    • 057-2020169
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri
    Directions

  • Apstar DT Sacco Society Limited’s Kitale Satellite Office

    • Mega center, Mezzanine floor, Kitale
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri, Sat
    Directions

  • Apstar DT Sacco Society Limited’s Kitui Satellite Office

    • Muli Mall, Biashara Street, 1 st Floor, RM 38, Kitui
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri, Sat
    Directions

  • Apstar DT Sacco Society Limited’s Meru Branch

    Directions

  • Apstar DT Sacco Society Limited’s Migori Satellite office

    • Creadex Building, 1 st Floor, Rm 104, Migori
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri, Sat
    Directions

  • Apstar DT Sacco Society Limited’s Mombasa Branch

    • Bahman Trust Building Mikindani Street P.O. Box 86051-80100 Mombasa., Mombasa
    • 041-2312444
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri
    Directions

  • Apstar DT Sacco Society Limited’s Nakuru Branch

    Directions

  • Apstar DT Sacco Society Limited’s Narok Satellite Office,

    • Suleiman House, Nairobi Mai Mahiu highway, 2 nd Floor, RM 32., Narok
    • 08:30 AM – 04:30 PM
    • Mon, Tues, Wed, Thur, Fri, Sat
    Directions

 

How to join Apstar Sacco

Welcome to Apstar Sacco, Where Your Financial Dreams Come to Life. Experience our unparalleled Service, Expert Guidance, and a Range of Cutting-Edge Financial Solutions Designed to Help You Achieve Your Goals and Secure Your Future.

Any Kenyan Citizen is eligible to join the Sacco as Individual Persons, institutions or groups/ Chama’s regardless country of residence.

  • Wide variety of products and services
  • Returns on Share capital as Dividends and Interests on Deposits
  • Instant Mobile Loans
  • Affordable Interest rates on loans
Download Registration Form
Online Membership Registration

Apstar DT Sacco Society Limited’s Membership Categories

1. Full Member

Member Contributes Monthly towards the society

2. Re-joining Member

Was once a member and withdrew from the society and would wish to re- join the Sacco

3. Banking Service / Transactional Member

Member does Not have specified monthly contributions

Types of Membership.

The product requires that one to complete a Membership Application Form available on Sacco Website, attach copy of their Kenyan National Identity Card or Valid Kenyan Passport a colored passport size photograph, their current or latest pay slip where applicable and a copy of their valid KRA Pin Number.

2. Corporate Membership

Complete Corporate Membership Application Form available on the society website for download to be attached to minutes of the group’s meeting resolving to join Apstar Sacco.

The corporate is required to attach account operation mandates and resolution alongside the group’s Constitution and memorandum of articles, copies of Kenyan National Identification Cards or Valid Kenya Passports with colored passport
size photograph of authorized signatories.

Also required are a copy of Kenyan registered certificate/ Incorporation, a list of group members indicating ID numbers or up to date CR12 and the company/group’s KRA PIN

3. Group Diaspora

Complete Group Diaspora Membership Application Form available on the society website for download.
Applicant groups are required to attach minutes of the group’s meeting resolving to join Apstar Sacco group’s constitution and memorandum of understanding attached together with copies of valid Kenyan passports and colored passport size photograph of authorized signatories together with copy of group’s registration certificate.

Apstar DT Sacco Society Limited’s Membership Services.

1. Apstar DT Sacco Society Limited’s Savings Accounts

Savings Accounts provide opportunities to individuals and corporate bodies to accumulate regular savings. The Society offers both medium and long-term savings accounts to members

2. Apstar DT Sacco Society Limited’s FOSA Savings Account

Ksh. 1000 / Opening/ minimum Balance
  • Held by all members joining the Sacco for their banking transactions
  • No monthly ledger fees
  • Used for Salary processing
  • Can be accessed through Visa Branded ATM Cards and Mobile Banking Services(Apstar kash)
  • Free Internal Standing Orders
  • No limitation on Cash withdrawals
  • Opening/minimum balance Kshs 1,000/=
I am Interested

3. Apstar DT Sacco Society Limited’s Holidays Savings Account

No / Monthly ledger fees
  • Enables members to save for their holidays
  • Interest rates determined from time to time
  • No monthly ledger fees
I am Interested

4. Apstar DT Sacco Society Limited’s Junior Savings Account

Ksh.1000 / Minimum Balance with no ledger fees
  • Savings Account for SACCO member’s children under 18 years of age
  • Competitive Interest rates determined from time to time
  • Can be accessed through Mobile Banking Services(Apstar kash)
  • ID/passport of parents/Guardian is required
  • Birth Certificate/notification of the child
  • Minimum Balance Kshs.1000/= with no ledger fees
I am Interested

5. Apstar DT Sacco Society Limited’s Elimu Savings Account

No / Monthly ledger fees
  • Enables members to save for future educational needs.
  • Free school fees bankers cheques
  • Interest rates determined from time to time
I am Interested

Apstar DT Sacco Society Limited’s Other Services

Apstar DT Sacco Society Limited’s Over the Counter Services

Allows members to access unlimited cash over the counter at our FOSA branches

Apstar DT Sacco Society Limited’s ATM Services

Allows members to withdraw cash from Co-operative Bank . Used for paying for goods and services in any VISA Branded outlets.

Apstar DT Sacco Society Limited’s Point of Sale (POS) Services

Allows members to access cash from Co-operative Banks and Coop Kwa Jirani.

Apstar DT Sacco Society Limited’s Mobile Banking Services

Can be accessed through Apstar Cash App and USSD – *882#
Allows members to access money in their Savings accounts through their mobile phones. Allows one to transfer funds from their savings account to other Banks through Pesalink and Bank Transfer. Other services on this platform are: Balance enquiry, Mini statement, loan repayment and mobile loans

Apstar DT Sacco Society Limited’s Mpesa Services

Offered at all our Branches: Apstar Sacco M-Pesa Paybill – No. 953400

Apstar DT Sacco Society Limited’s Salary processing

This service allows members to be paid salaries through their Savings Accounts.

Apstar DT Sacco Society Limited’s Bankers Cheques

Allows members to access Sacco bankers cheques through their FOSA savings accounts

Apstar DT Sacco Society Limited’s Standing orders

Members can initiate Periodic standing order instructions to pay obligations to other institutions like HELB, Insurance premiums and loan repayments.

Apstar DT Sacco Society Limited’s RTGS /Electronic Money Transfer

Allows members to transfer funds from their Savings Accounts both Locally and Internationally through Real Time Gross Settlement and EFT (Electronic Funds Transfer).

Apstar DT Sacco Society Limited’s Members’ Personal Cheque Books

Convenient to members who would like to make payments through personal cheques. This service is available for your transactional accounts for both Individual and Corporate Clients.

OTHER APSTAR SACCO’S SERVICES

How to apply for ATM.

  • Fill the Atm Application Forms which are available from our website or any of our branches
  • Attach Copy of Your National ID
  • Present the forms to the nearest branch for verification and application
  • Once ready the card and PIN Mailer will be sent to your nearest Branch for Collection
  • We have Instant ATM Cards which are issued When you Visit any of our Branches, For Nairobi Branch Its same day Service other Branches takes two days

Benefits of using ATM services.

  • Our ATMS are Visa Branded therefore can transact from any VISA branded points worldwide e.g pay bills, make withdrawals and payments
  • Use of our Atm for purchasing is free of charge.
  • Transaction from the co-op bank ATMs costs only 36 shillings
  • Atm Outlets are spread country wide hence easily accessible
  • Stable network

Frequently Asked Questions about Apstar DT Sacco Society Limited

  1. How long does it take to get an Atm? It takes One week for normal Applications, we have Instant Applications which take 1to 2 days
  2. How much is the maximum Limits per day? Maximum withdrawal per Day is 40,000
  3. Where can I access your ATMs? Use Co-op Bank ATMs or any other VISA branded ATMs
  4. How long does the Atm card Last? Our ATMS expire after 5years
  5. Can I access money from another ATM apart from Co-op ATMs? You can access money from any Visa Branded ATMS

6. What can i do if I have forgotten my pin and my card is blocked? Fill the Pin Replacement form to apply for a new pin

7. Can I use the card to transact my other Bank accounts? The ATM card is linked to your FOSA account only

 

Apstar DT Sacco Society Limited’s Mobile Banking Services

Our members are able to access their accounts through our Apstar Kash Services by Dialling our USSd code *882#

Benefits of using Apstar kash
  • Easy Registration which is free of Charge
  • You can access your money from the comfort of your sitting room
  • Stable Network
  • Affordable mobile loans
  • User friendly APP Interface for all transactions

Apstar DT Sacco Society Limited’s affordable medical services 

Access affordable medical service after post service

Age

Family size

Plan I

Plan II

Plan III

Plan IV

Plan V

Plan VI

Benefit Limit Ksh

300

000

500

000

1

000

60 – 65

M

46

675

50

885

62

138

M+1

87

398

95

293

116

360

66 – 70

M

53

761

60

202

72

384

M+1

100

737

112

820

135

643

71 – 75

M

65

259

73

819

87

304

M+1

122

381

138

457

163

742

76 – 80

M

79

619

90

978

108

061

M+1

149

480

170

839

202

902

81 – 85

M

97

782

112

860

134

589

M+1

183

863

212

259

253

096
Apstar Sacco forms,
Apstar Sacco contacts,
Apstar Sacco Address,
Apstar sacco Loans,
Apstar sacco job vacancies,
Apstar Sacco Forms pdf download,
Apstar Sacco members portal login,
Apstar Sacco logo,

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