Harambee DT Sacco: Frequently Asked Questions (FAQs)
Harambee DT Sacco is one of the largest Saccos in Kenya, primarily serving employees from the National Police Service, Kenya Defence Forces, and other government ministries, though it has since expanded to include the private sector and business community.
Harambee DT Sacco’s Quick Facts File.
| SACCO Official Name | Harambee Sacco |
| Primary Target Sector | Civil Servants |
| Head Office | Nairobi |
| County | Nairobi |
| Postal Address | P.O. Box 47815-00100 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 38.70 |
| Total Deposits (Ksh B) | 26.24 |
1. Frequently Asked Questions on Harambee Sacco’s Membership & Registration
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Who can join Harambee Sacco? Originally founded in 1970 to serve employees of the Office of the President, Harambee Sacco is now a multi-employer Sacco open to:
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National and County Government employees.
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Employees of Parastatals and Constitutional bodies.
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Members of the Kenya Defence Forces (KDF) and National Police Service.
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Private sector employees.
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Business owners (MSEs) and Chamas.
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Kenyans in the Diaspora.
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How do I join Harambee Sacco? You can register by downloading the membership application form from the official website or visiting any FOSA branch. You will need:
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A completed application form.
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A copy of your National ID or Passport.
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A copy of your KRA PIN certificate.
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One passport-size photograph.
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Your most recent payslip (for salaried employees).
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A non-refundable registration fee (typically KSh 1,000).
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2. Frequently Asked Questions on Harambee Sacco’s Savings & Share Capital
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What is the minimum monthly contribution at Harambee Sacco? Members are generally required to contribute a minimum of KSh 3,000 per month toward their deposits (BOSA). These deposits act as collateral for your loans and earn annual interest.
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Can I withdraw my Share Capital from Harambee Sacco? No. Share Capital represents your equity in the Sacco and is non-withdrawable. It can only be transferred or sold to another member upon your exit from the society.
3. Frequently Asked Questions on Harambee Sacco’s Loans & Credit Facilities
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How much can I borrow from Harambee Sacco? Under the BOSA (Back Office Services Activity) system, you can typically borrow up to 3 times your total deposits, subject to your ability to repay and the “two-thirds” salary rule.
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What are the popular loan products offered by Harambee Sacco?
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Normal/Development Loan: For long-term projects, repayable over up to 72 months.
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Emergency & School Fees Loans: Short-term loans processed within 24–48 hours.
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Harambee Home & Jenga Loans: In partnership with KMRC, offering mortgages up to KSh 8 million at a subsidized rate of 9% p.a. for up to 25 years.
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M-Cash Loans: Instant mobile loans accessed via your phone.
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Do I need guarantors to get loans from Harambee Sacco? Yes, most BOSA loans require at least three guarantors who are active members of the Sacco to secure the amount that exceeds your own deposits.
4. Frequently Asked Questions on Harambee Sacco’s Dividends & Interest
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How are dividends calculated at Harambee Sacco? Dividends are paid on Share Capital, while interest is paid on Deposits. The rates are determined annually based on the Sacco’s financial performance and approved during the Annual Delegates Meeting (ADM).
5. Frequently Asked Questions on Harambee Sacco’s Digital Banking (Harambee M-Cash)
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What is the Harambee Sacco Paybill? The official Paybill number is 516600. When prompted for an account number, use your Member Number or ID Number depending on the specific service.
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How do I access Harambee Sacco mobile services?
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USSD Code: Dial *405# for balance inquiries, airtime purchase, and mobile loans.
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Mobile App: Download the Harambee M-Cash app from the Google Play Store or Apple App Store.
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6. Frequently Asked Questions on Harambee Sacco’s Membership Withdrawal
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What is the process for leaving Harambee Sacco? A member wishing to withdraw must give a 60-day written notice. Your deposits will be refunded after all your liabilities (loans and guaranteed amounts) are settled.
7. Frequently Asked Questions on Harambee Sacco’s Contacts.
- Physical Address: Harambee Coop Plaza, Haile Selassie Avenue
- Phone Number: +(254) 110895735
- Email: [email protected]
- Phone Contact: 0709 943 000
8. Frequently Asked Questions on Harambee Sacco’s Website and Portals.
- Harambee Sacco’s Website: https://www.harambeesacco.com/
- Harambee Sacco’s Member Portal: https://selfservice.harambeesacco.com/
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