Ukulima Sacco has grown significantly since its founding in 1972, establishing itself as one of Kenya’s most reputable savings and credit cooperatives. Initially registered under certificate number CS2026, the Sacco has built an asset base worth Kshs 14.66 billion and serves more than 47,000 members across the country. Headquartered in Nairobi, Ukulima Sacco has expanded its reach with FOSA branches in major towns, including Kisumu, Mombasa, Eldoret, Embu, Nakuru, Kisii, and Kakamega.
Whether you’re an individual, a corporate entity, or part of the Kenyan diaspora, Ukulima Sacco offers a wide range of membership options with attractive benefits. This article outlines the eligibility criteria and the necessary steps to become a member of this esteemed Sacco.
Ukulima Sacco Membership Eligibility
Ukulima Sacco extends its membership to a broad range of individuals and organizations. If you meet the following criteria, you may be eligible to join:
1. Individual Membership
The Sacco is open to individuals employed in various sectors, including:
- National government
- County governments
- Educational institutions
- Parastatals
- Government agencies
- Private companies
2. Corporate Membership
Organizations can also become members, including:
- Private companies
- Public companies
- Clubs
- Partnership businesses
- Cooperative societies
- Groups or chamas such as self-help organizations
Ukulima Sacco Membership Requirements
Ukulima Sacco offers different membership options for individuals and organizations. Below are the requirements and processes for each membership type.
(a) Individual Membership
To join Ukulima Sacco as an individual member, you will need to:
- Complete the membership application form, available for download on the Sacco’s website.
- Provide a copy of your National ID or a valid Kenyan passport.
- Attach a recent passport-sized photograph.
- Submit your latest payslip (if applicable).
- Provide a copy of your KRA PIN.
- Pay a joining fee of Kshs 1,000.
- Commit to a minimum monthly contribution of Kshs 2,000.
(b) Diaspora Membership
For Kenyans living abroad, Ukulima Sacco offers tailored membership options.
(i) Individual Diaspora Membership
Requirements include:
- Complete the individual diaspora membership application form.
- Attach a valid Kenyan passport.
- Provide a passport-sized photo.
(ii) Joint Diaspora Membership
To join as a joint account holder, you will need:
- Complete the joint diaspora membership application form.
- Attach valid Kenyan passports for all applicants.
- Provide passport-sized photographs for all applicants.
(iii) Group Diaspora Membership
For diaspora groups wishing to join the Sacco, the process includes:
- Complete the group diaspora membership form.
- Provide the minutes of the group meeting where the resolution to join the Sacco was made.
- Submit the group’s constitution.
- Attach copies of valid Kenyan passports and passport-sized photos for the group’s authorized signatories.
- Provide a copy of the group’s registration certificate.
Membership Benefits
Members of Ukulima Sacco enjoy various benefits that make saving and borrowing much more attractive, including:
- Favourable interest rates on loans
- Instant mobile loan access
- A short loan processing turnaround time
- High annual dividends on shares and interest on deposits
- Investment opportunities in fixed deposits, land, and property
Ukulima Sacco Contacts
For more information or assistance, you can visit or contact Ukulima Sacco’s head office:
- Location: Ukulima Co-operative House, Haile Selassie Avenue, Off Parliament Road, Red Cross Lane, Nairobi
- Phone: 020 278 5000 / 0111 035 600
Ukulima Sacco continues to offer a reliable financial platform for members seeking to save, borrow, and invest, contributing to the financial empowerment of Kenyans. Whether you’re an individual or part of a corporate body, joining this Sacco could be the gateway to achieving your financial goals.
