Unaitas SACCO is one of Kenya’s leading and largest Tier-1 Deposit-Taking SACCOs. Originally founded in 1993 as Murang’a Tea Growers SACCO, it underwent rebranding transitions (previously operating as Muramati SACCO) before launching the bold, nationwide Unaitas brand to open up its common bond to all sectors.
Unaitas Sacco’s Quick Facts File
| SACCO Official Name | Unaitas Sacco |
| Primary Target Sector | Community & Business |
| Head Office | Murang’a |
| County | Murang’a |
| Postal Address | P.O. Box 387-10200 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 26.12 |
| Total Deposits (Ksh B) | 14.70 |
Unaitas Sacco’s Key Information
| Feature | Details |
| Official Name | Unaitas Savings & Credit Co-operative Society Limited |
| SASRA Status | Licensed Deposit-Taking SACCO |
| M-Banking USSD Code | *493# |
| M-Pesa Paybill | 544700 |
| Minimum Share Capital | 100 shares at Ksh 10 each (Ksh 1,000 minimum) |
| Maximum Investment Shares | Up to 2,000,000 shares worth Ksh 20,000,000 |
| Head Office | Cardinal Otunga Plaza, Cardinal Otunga Road, Nairobi |
Here is a comprehensive breakdown of the Frequently Asked Questions (FAQs) and their answers about Unaitas Sacco, covering membership, shares, loans, mobile banking, and diaspora accounts.
1. Unaitas Sacco’s Frequently Asked Questions on Membership & Account Opening
Who can join Unaitas Sacco?
Any Kenyan citizen who is 18 years and older and of sound mind can join the SACCO.
What are the requirements to join Unaitas Sacco?
To register and open an account, you need to provide:
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A valid National ID card or Passport.
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A copy of your KRA PIN certificate.
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Passport-size photographs (which are typically taken for free at Unaitas branches).
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A minimum entry requirement of 10 shares @ KES 10 each (total KES 100) to become a customer member.
2. Unaitas Sacco’s Frequently Asked Questions on Share Capital vs. Deposits
What is the difference between Unaitas Investment Shares and Sacco Deposits?
| Feature | Investment Shares (Share Capital) | Sacco Deposits (Savings) |
| Withdrawal | Not withdrawable; can only be transferred or sold to another member. | Withdrawable upon exiting the SACCO (subject to notice periods). |
| Earnings | Earns annual Dividends based on the SACCO’s performance. | Earns annual Interest on Deposits. |
| Loan Security | Cannot be used as security/collateral for loans. | Can be used as collateral/security for borrowing. |
Can I borrow money against my Investment Shares at Unaitas Sacco?
No. Unaitas lends money against your regular savings/deposits and other approved securities, not against your investment shares.
3. Unaitas Sacco’s Frequently Asked Questions on Loans and Borrowing
How much money am I allowed to borrow from Unaitas Sacco?
The amount you can borrow is determined by your saving history, the value of the security or guarantors you provide, and your overall repayment ability. You must operate your Unaitas account actively for a minimum of three (3) months to qualify for a loan.
What types of collateral/security are accepted at Unaitas Sacco?
Unaitas accepts multiple forms of security for credit facilities, including:
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SACCO deposits (savings).
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Guarantors (including co-guarantorship in group/Maono loan frameworks).
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Land Title Deeds.
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Motor vehicle logbooks (subject to acceptable years of manufacture).
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Bank guarantees.
Can I have multiple loans running at the same time at Unaitas Sacco?
Yes. A member is allowed to hold multiple loan products across different categories concurrently, provided they satisfy the respective lending guidelines and show sufficient repayment capacity.
Is there a penalty for clearing my loan early at Unaitas Sacco?
No. If you settle your loan before its official maturity date, no penalty or future period interest is charged.
4. Unaitas Sacco’s Frequently Asked Questions on Mobile Banking (Mo-Cash) & PesaLink
What is the official Unaitas Paybill and USSD code?
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Paybill Number:
544700 -
USSD Code:
*493#
How do I activate or register for Unaitas Mobile Banking?
You must visit your nearest Unaitas branch to fill out a registration form. Once processed, a One-Time PIN (OTP) will be generated and sent directly to your registered mobile number.
How do I change my temporary Mobile PIN at Unaitas Sacco?
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Dial
*493#on your phone. -
Enter your National ID number.
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Input the temporary/start PIN received on your phone.
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Set and confirm your new secret 4-digit PIN.
How do I make an M-Pesa deposit into my Unaitas account?
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Open your M-Pesa menu and select Lipa na M-Pesa > Paybill.
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Enter the Unaitas Business Number:
544700. -
Enter your full 10-digit Unaitas Account Number as the account name.
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Input the amount and finish using your M-Pesa PIN.
Can I transfer funds directly to other local banks from my Unaitas Sacco Account?
Yes, via PesaLink on the *493# menu. This service runs 24/7, enabling real-time transfers from your Unaitas account to any participating commercial bank account using either the recipient’s phone number or bank account number. Receiving funds via PesaLink into Unaitas is entirely free.
5. Unaitas Sacco’s Frequently Asked Questions on Diaspora Accounts
Can Kenyans living abroad open a Unaitas account?
Yes. Unaitas has a dedicated diaspora banking framework. To open an account from abroad, you need to submit:
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A completed Diaspora Account Opening Form.
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Certified copies of your Kenyan National ID and valid Passport.
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A copy of your KRA PIN certificate.
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A recent passport-size photo.
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A certified utility bill or tenancy agreement in your name (as proof of residence).
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An additional identification document if available (e.g., local driving license or insurance card).
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Contact details (Name and mobile number) of a trusted relative or contact person residing in Kenya.
Where are the Unaitas Sacco Branches Located?
Unaitas Sacco has a diverse branch network. The branches are located at Nairobi, Central Kenya, Rift Valley, and Nyanza regions, including key locations like Cardinal Otunga (Nairobi HQ), Thika, Kawangware, Kasarani, Nakuru, Naivasha, Juja, Meru, Embu, and Kisii.
How can I Contact Unaitas Sacco?
Here are the Unaitas Sacco’s Contacts:
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Customer Care Phone: +254 709 253 000
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Official Email Address: [email protected]
Unaitas Sacco’s Website and Portals.
- Unaitas Sacco’s Website: https://unaitas.com/
- Unaitas Sacco’s Portal:
Is the Sacco Registered by SASSRA?
Yes. The Sacco is registered by the SACCO Societies Regulatory Authority (SASRA) as a Deposit Taking Sacco.
What is the Sacco’s Tier?
The Sacco is registered by the Sacco is registered by the SACCO Societies Regulatory Authority (SASRA) as a Tier 1 Sacco.
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