For Kenyan business professionals, understanding the financial landscape is key to thriving in today’s economy. One standout player in this space is Amica Savings and Credit Cooperative Society, a tier-one Sacco with deep roots and a growing footprint. With 17 full-time branches spread across Murang’a, Kiambu, and Nairobi counties, Amica Sacco is more than just a financial institution—it’s a trusted partner for over 200,000 members and a vital resource for businesses. Whether you’re an entrepreneur seeking affordable loans, a manager eyeing employee savings schemes, or an investor scouting opportunities, knowing where Amica Sacco branches are and what they offer can give you an edge.
Why Amica Sacco Matters to Kenyan Businesses
Before we list the branches, let’s set the stage. Founded in 1966 by Murang’a coffee farmers, Amica Sacco has grown from a grassroots cooperative into a powerhouse with an asset base of KSh 6.45 billion (as per recent estimates). Licensed by the Sacco Societies Regulatory Authority (SASRA) in 2011 as a deposit-taking Sacco, it’s now a top performer in Kenya’s financial sector. With 17 branches and over 360 agents, Amica serves Murang’a, Kiambu, and Nairobi counties, offering everything from low-interest loans to mobile banking via *298#.
For businesses, Amica isn’t just a Sacco—it’s a strategic ally. Its branch network supports entrepreneurs with accessible financing, while its interlinked system ensures you can transact anywhere, anytime. The Sacco’s focus on agro-processing, retail, and FMCG value chains also aligns with Kenya’s economic drivers, making it a go-to for business professionals. Now, let’s get to those branches!
Full List of Amica Sacco Branches: Locations and Details
Amica Sacco’s 17 branches are strategically placed to serve urban hubs and rural markets alike. Below is the complete list, including addresses, postal details, and operating hours. All branches share a central P.O. Box (816-10200, Murang’a) and operate Monday to Friday from 8:15 a.m. to 4:30 p.m., with Saturday hours from 8:30 a.m. to 1:00 p.m. Sundays and public holidays? They’re closed—plan accordingly!
Nairobi County
- Nairobi Branch
- Location: Wakulima Building, Ground Floor, Haile Selassie Avenue
- Why It Matters: Smack in Nairobi’s CBD, this branch is perfect for urban entrepreneurs and professionals needing quick financial services.
- Fun Fact: It’s near key markets like Gikomba, boosting its appeal for traders.
- Gikomba Branch
- Location: Gikomba Market
- Why It Matters: Tailored for the bustling Gikomba trading community, it’s a lifeline for small-scale vendors and wholesalers.
- Insight: Its proximity to Nairobi’s largest informal market makes it a hotspot for M-Pesa transactions.
Kiambu County
- Thika Branch
- Location: Murang’a Union Building, Kwame Nkrumah Street
- Why It Matters: Thika’s industrial and agricultural vibe makes this branch a hub for factory owners and farmers alike.
- Data Point: Kiambu contributes 7.5% to Kenya’s GDP (Kenya Economic Survey 2023), and Thika is a big player.
Murang’a County
- Murang’a Branch (Head Office)
- Location: Murang’a Union Building, Uhuru Street
- Why It Matters: The Sacco’s headquarters, it’s the nerve center for operations and a symbol of its coffee-farming roots.
- Contact: Reach them at +254 729 333 444 or hello@amicacs.co.ke.
- Kangari Branch
- Location: Amica Savings & Credit Building, Kangari-Kahari Road
- Why It Matters: Serving rural Murang’a, it supports farmers and small businesses in this agricultural zone.
- Kenol Branch
- Location: ACK Arahuka Building, Kenol-Murang’a Road
- Why It Matters: A key stop along a busy route, it’s ideal for traders and commuters needing banking on the go.
- Kiriaini Branch
- Location: Amica Savings & Credit Building, Murang’a-Kiriaini Road
- Why It Matters: Deep in tea and coffee country, it’s a financial anchor for rural producers.
- Maragua Branch
- Location: Murang’a Union Building, Maragua Town
- Why It Matters: A bustling market town branch, it caters to local merchants and farmers.
- Kangema Branch
- Location: Muguru-Iyego Building, Kangema Town (P.O. Box 388-10202, Kangema)
- Why It Matters: Unique for its separate postal address, it’s a vital link for Kangema’s community.
- Kandara Branch
- Location: Hurukai Housing Co-operative Building, Kandara Town
- Why It Matters: Supports Kandara’s growing business scene with accessible savings and loans.
- Kahuhia Branch
- Location: Kahuhia Housing Building, Murang’a-Kangema Road
- Why It Matters: A rural gem, it bridges financial gaps for residents along this key route.
- Kahuro Branch
- Location: Mugoiri Housing Building, Murang’a-Mugoiri Road
- Why It Matters: Another rural outpost, it’s tailored for agricultural communities.
- Kirwara Branch
- Location: Amica Savings & Credit Building, Gatanga-Gatura Road
- Why It Matters: Serves the Gatanga area, known for its farming and small enterprises.
- Kigumo Branch
- Location: Kigumo Town
- Why It Matters: A central hub in Kigumo, it’s perfect for local traders and farmers.
- Kahatia Branch
- Location: Kahatia Town, Murang’a-Murarandia Road
- Why It Matters: Links rural Murang’a to financial services, boosting local commerce.
- Saba Saba Branch
- Location: Saba Saba Town
- Why It Matters: A market-driven branch, it’s a lifeline for small-scale entrepreneurs.
- Kagunduini Branch
- Location: Kagunduini Market, Kabati-Kagunduini Road
- Why It Matters: Close to Gitugi, it serves market traders and rural residents alike.
How Amica Sacco Branches Benefit Businesses
Amica’s branch network isn’t just about locations—it’s about connectivity. All 17 branches are interlinked through a stable network, enabling “branchless services.” This means you can deposit money in Nairobi and withdraw it in Kangari without a hitch. For business professionals, this is a game-changer. Here’s why:
- Accessibility: With branches in urban centers (Nairobi, Thika) and rural towns (Kiriaini, Saba Saba), Amica meets you where you are.
- Financial Inclusion: Over 6 million Kenyans are Sacco members (SASRA 2023), and Amica’s reach in Murang’a—where 60% of households rely on agriculture—drives economic growth.
- Business Solutions: From cheque books for supplier payments to low-interest loans (often 12% p.a. vs. banks’ 18%), Amica supports cash flow and expansion.
Fresh Insights: What Sets Amica Apart in 2025
Amica isn’t your average Sacco. Here’s what makes its branches stand out:
- Tech-Driven Growth: With mobile banking (*298#) and M-Pesa integration (Paybill 162180), Amica’s branches double as digital hubs. In 2023, SASRA noted a 15% uptick in Sacco digital transactions—Amica’s ahead of the curve.
- Agribusiness Focus: Branches like Kangari and Kiriaini target agro-processing, aligning with Kenya’s Vision 2030 goal of food security.
- Urban-Rural Balance: While Nairobi and Thika cater to city slickers, rural branches like Kahuro empower underserved communities—a win for CSR-minded businesses.
Insight: Amica’s partnership with Equity Bank (deposits/withdrawals at branches) adds flexibility, a perk competitors like Stima Sacco are only starting to match.
Practical Tips for Engaging with Amica Sacco Branches
Ready to tap into Amica’s network? Here’s a 5-step guide for business pros:
- Locate Your Nearest Branch: Use the list above or Google Maps (search “Amica Sacco near me”)—most have clear directions online.
- Check Hours: Weekdays (8:15 a.m.–4:30 p.m.) are best for in-depth queries; Saturdays (8:30 a.m.–1:00 p.m.) work for quick visits.
- Join as a Member: You’ll need an ID, KRA PIN, and KSh 1,000 minimum deposit. Businesses can register too—ask about group accounts.
- Leverage Digital Tools: Dial *298# for account access or use M-Pesa Paybill 162180 for payments—no branch visit needed.
- Network Locally: Visit branches like Gikomba or Maragua to connect with traders and farmers—great for B2B opportunities.
Pro Tip: Call ahead (+254 729 333 444) to confirm agent availability if you’re in a rush.
The Economic Impact of Amica Sacco Branches
Amica’s 17 branches aren’t just buildings—they’re economic engines. In Murang’a, where agriculture drives 70% of livelihoods (Kenya National Bureau of Statistics, 2023), branches like Kangema and Kigumo fuel farming with affordable credit. In Nairobi, the Gikomba branch supports informal traders, who account for 34% of Kenya’s employment (ILO 2022). Kiambu’s Thika branch, meanwhile, powers industrial growth in a county with over 1,000 registered businesses.
Data point: Saccos manage KSh 1.2 trillion in assets nationwide (SASRA 2025 projection), and Amica’s KSh 6.45 billion slice shows its clout. For businesses, this means a reliable partner for payroll accounts, supplier payments, and employee savings schemes.
Challenges and Opportunities in 2025
No Sacco is perfect, and Amica faces hurdles:
- Digital Competition: Mobile lenders like Tala are snagging younger clients with instant loans—Amica must keep innovating.
- Rural Reach: While 17 branches are solid, counties beyond Murang’a, Kiambu, and Nairobi remain untapped—expansion could be next.
- Fraud Risks: SASRA flagged KSh 2.1 billion in Sacco fraud in 2024; Amica’s interlinked network needs top-notch cybersecurity.
Opportunities? Blockchain for transparent transactions, green loans for eco-projects, and partnerships like Boma Yangu for housing finance could skyrocket Amica’s appeal.
Amica Sacco’s 17 branches are your gateway to financial empowerment. Whether you’re in Nairobi’s bustling CBD, Thika’s industrial heart, or Murang’a’s fertile fields, there’s a branch ready to serve your business needs. Don’t just read about it—act now:
- Visit a Branch: Pop into Murang’a or Gikomba to explore membership or loan options.
- Go Digital: Dial *298# or email hello@amicacs.co.ke to get started from your desk.
- Spread the Word: Share this article on WhatsApp or LinkedIn—let’s grow Kenya’s business community together!
