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Finance & Investment

Cosmopolitan Sacco Branches & Contacts: All You Need to Know

  • BY waceke
  • July 30, 2025
Cosmopolitan Sacco

Cosmopolitan Sacco, formerly known as Nakuru Teachers Sacco, has been a cornerstone of financial empowerment in Kenya since its inception in 1977. With an asset base exceeding Ksh 9.13 billion and a membership of over 20,869 individuals, it stands as one of Kenya’s largest and most reliable deposit-taking Savings and Credit Cooperative Societies (SACCOs). Originally established to serve the teaching fraternity, Cosmopolitan Sacco has since expanded its membership to include salaried employees, business owners, and community groups across Kenya. This comprehensive guide provides an in-depth look at Cosmopolitan Sacco’s branches, contact details, services, membership requirements, and more.

Overview of Cosmopolitan Sacco: A Legacy of Financial Inclusion

Cosmopolitan Sacco has grown from its roots in Nakuru’s teaching community to become a leading financial institution in Kenya. With a mission to provide affordable savings and credit solutions, the SACCO has established a robust network of branches and satellite offices across key towns, including Nakuru, Molo, Naivasha, Bahati, Narok, Subukia, Mwisho wa Lami, Gilgil, Olenguruone, and Maai Mahiu. Its commitment to financial inclusion has made it a trusted partner for Kenyans seeking to save, borrow, and invest.

Key Highlights of Cosmopolitan Sacco

  • Established: 1977
  • Asset Base: Over Ksh 9.13 billion
  • Membership: More than 20,869 members
  • Services: Savings accounts, credit products, mobile banking, and investment opportunities
  • Accessibility: Branches and satellite offices across multiple counties
  • Regulation: Licensed by the Sacco Societies Regulatory Authority (SASRA)

This article provides a detailed list of Cosmopolitan Sacco branches and their contact information, alongside insights into its services, membership process, and benefits.

Comprehensive List of Cosmopolitan Sacco Branches and Contacts

Cosmopolitan Sacco has strategically established branches and satellite offices to ensure accessibility for its members across Kenya. Below is a complete list of all branches and satellite offices, including their locations, phone numbers, and email contacts, sourced from reliable online data.

1. Head Office

  • Location: Kijabe Lane, Natec Plaza, Nakuru
  • Phone: 0111 003 500, 0722 388 616
  • Email: info@cosmopolitansacco.co.ke, customerservice@cosmopolitansacco.co.ke
  • Business Hours: Monday–Friday: 8:30 AM–4:30 PM; Saturday: 8:00 AM–1:00 PM
  • Description: The head office in Nakuru serves as the central hub for Cosmopolitan Sacco’s operations, offering a full range of financial services, including savings accounts, loan applications, and member support.

2. Molo Branch

  • Location: Molo-Olenguruone Road, next to Mitindo Hardware
  • Phone: 0716 861 224
  • Description: Located along the Molo-Olenguruone Road, this branch caters to members in Molo and surrounding areas, providing convenient access to savings and credit products.

3. Naivasha Branch

  • Location: Jonka Building, Biashara Street, near Naivas Kubwa Supermarket
  • Phone: 0700 470 339
  • Description: Strategically positioned in Naivasha’s commercial hub, this branch serves members in Naivasha and nearby regions, offering tailored financial solutions.

4. Bahati Branch

  • Location: Opposite Bahati Stadium, next to District Headquarters
  • Phone: 0700 470 342
  • Description: The Bahati branch supports members in the Bahati area, providing easy access to loan services and savings accounts.

5. Narok Branch

  • Location: Mau-Narok Road, next to Naivas Supermarket
  • Phone: 0717 546 502
  • Description: Serving the Narok community, this branch offers a range of financial products, including business loans and savings plans.

6. Subukia Satellite Office

  • Location: Along Nyahururu Road, opposite Komothai Building & Kobil Petrol Station
  • Phone: 0790 261 086
  • Description: This satellite office provides essential SACCO services to members in Subukia, ensuring accessibility in rural areas.

7. Mwisho wa Lami Satellite Office

  • Location: Mau-Narok Road
  • Phone: 0115 819 417
  • Description: Catering to members along the Mau-Narok corridor, this satellite office supports savings and loan applications.

8. Gilgil Satellite Office

  • Location: Next to KWFT
  • Phone: 0796 471 764
  • Description: The Gilgil satellite office offers convenient financial services to members in the Gilgil area.

9. Olenguruone Satellite Office

  • Location: Not specified (contact head office for precise details)
  • Phone: 0741 029 568
  • Description: This satellite office serves the Olenguruone community, providing access to Cosmopolitan Sacco’s financial products.

10. Maai Mahiu Satellite Office

  • Location: Not specified (contact head office for precise details)
  • Phone: 0112 176 895
  • Description: The Maai Mahiu satellite office supports members in the Maai Mahiu region, offering savings and credit solutions.

For general inquiries, members can contact Cosmopolitan Sacco via:

Membership Requirements for Joining Cosmopolitan Sacco

Cosmopolitan Sacco has opened its membership to all Kenyans, moving beyond its original focus on teachers. To join, prospective members must meet the following requirements:

  • Application Form: Complete and submit a duly filled membership application form, available at any branch or online.
  • National ID: Provide a copy of your national ID.
  • KRA PIN: Submit a copy of your KRA PIN (for salaried members).
  • Payslip: Required for salaried employees to verify income.
  • Registration Fee: Pay a one-time registration fee of Ksh 1,000.
  • Eligibility: Open to TSC employees, county and national government employees on permanent and pensionable terms, business owners, and community groups.

Membership is straightforward, and the SACCO’s inclusive approach ensures that individuals from various professions can benefit from its services.

Financial Products and Services Offered by Cosmopolitan Sacco

Cosmopolitan Sacco offers a wide range of savings and credit products designed to meet the diverse needs of its members. Below is an overview of its key offerings:

Savings Products

  • Regular Savings Account: Allows members to save regularly with competitive interest rates.
  • Fixed Deposit Account: Offers higher interest rates for funds locked in for a specific period.
  • Junior Savings Account: Designed for children to encourage early savings habits.
  • Group Savings Account: Tailored for community groups and chamas.

Credit Products

  • Development Loan: A long-term loan for business or personal development, with a repayment period of up to 120 months.
  • Emergency Loan: Quick-access loans for urgent financial needs.
  • Salary Advance Loan: Short-term loans for salaried members, deducted through check-off systems.
  • Business Loan: Supports entrepreneurs and small business owners with flexible repayment terms.
  • Loan Security: For salaried employees, loans are secured using payslips, with disbursements limited to two-thirds of the member’s salary.

Mobile Banking and USSD Code

Cosmopolitan Sacco provides convenient mobile banking services, allowing members to manage their accounts, check balances, and apply for loans remotely. The SACCO’s USSD code and mobile banking platform details are available through the head office or branch contacts.

Investment Opportunities

Members can invest in Cosmopolitan Sacco’s financial products, such as fixed deposits and group savings, to grow their wealth over time. The SACCO’s stable financial performance, backed by its Ksh 9.13 billion asset base, makes it a reliable choice for investors.

Why Choose Cosmopolitan Sacco?

Cosmopolitan Sacco stands out among Kenya’s SACCOs for several reasons:

  • Wide Reach: With branches and satellite offices in Nakuru, Molo, Naivasha, Bahati, Narok, Subukia, Mwisho wa Lami, Gilgil, Olenguruone, and Maai Mahiu, the SACCO ensures accessibility across multiple counties.
  • Financial Strength: An asset base exceeding Ksh 9.13 billion reflects its stability and reliability.
  • Inclusivity: Open to all Kenyans, including teachers, government employees, business owners, and community groups.
  • Comprehensive Services: Offers a broad range of savings, credit, and investment products tailored to diverse needs.
  • Member-Centric Approach: Competitive interest rates, flexible loan terms, and convenient banking options prioritize member satisfaction.

How to Contact Cosmopolitan Sacco

For inquiries, membership applications, or support, members and prospective members can reach out to Cosmopolitan Sacco through the following channels:

For specific branch-related queries, use the contact numbers provided for each location. The SACCO’s customer service team is known for its prompt and professional responses, ensuring members receive timely assistance.

Cosmopolitan Sacco’s Role in Kenya’s Financial Landscape

As one of Kenya’s largest deposit-taking SACCOs, Cosmopolitan Sacco plays a critical role in the country’s financial ecosystem. SACCOs in Kenya are vital for providing affordable financial services, particularly for individuals and groups underserved by traditional banks. Cosmopolitan Sacco’s growth from a teachers’ cooperative to a national institution reflects its adaptability and commitment to financial inclusion.

Comparison with Other SACCOs

Cosmopolitan Sacco ranks among the top SACCOs in Kenya, alongside institutions like Mwalimu National SACCO, Stima Sacco, and Imarisha Sacco. Its extensive branch network and diverse product offerings make it a preferred choice for many Kenyans. According to the Sacco Supervision Report, Cosmopolitan Sacco’s asset base and membership growth place it among the top-performing SACCOs in the country.

Contribution to Economic Growth

By providing accessible credit and savings options, Cosmopolitan Sacco empowers members to start businesses, invest in education, and achieve financial stability. Its focus on rural and semi-urban areas, such as Subukia, Mwisho wa Lami, and Olenguruone, ensures that underserved communities have access to financial services.

Tips for Maximizing Your Cosmopolitan Sacco Membership

To make the most of your membership with Cosmopolitan Sacco, consider the following tips:

  1. Regular Savings: Contribute consistently to your savings account to build a strong financial foundation and qualify for larger loans.
  2. Explore Loan Options: Assess the SACCO’s range of credit products to find the best fit for your financial goals, whether it’s a business loan or an emergency loan.
  3. Utilize Mobile Banking: Take advantage of Cosmopolitan Sacco’s mobile banking platform for convenient account management.
  4. Stay Informed: Regularly check the SACCO’s website or contact customer service for updates on new products, interest rates, and promotions.
  5. Visit Branches: For personalized support, visit the nearest branch or satellite office to discuss your financial needs with a representative.

Challenges and Opportunities for Cosmopolitan Sacco

Like all SACCOs, Cosmopolitan Sacco faces challenges in a competitive financial sector. These include:

  • Digital Transformation: While the SACCO offers mobile banking, further investment in digital platforms could enhance member experience.
  • Market Competition: Competition from banks and other SACCOs requires continuous innovation in product offerings.
  • Regulatory Compliance: Adhering to SASRA regulations ensures stability but demands ongoing operational adjustments.

However, opportunities abound, including expanding digital services, increasing membership in underserved regions, and leveraging its strong financial base to offer competitive products.

Cosmopolitan Sacco remains a beacon of financial empowerment in Kenya, offering a wide range of savings, credit, and investment products to its members. With a robust network of branches and satellite offices in Nakuru, Molo, Naivasha, Bahati, Narok, Subukia, Mwisho wa Lami, Gilgil, Olenguruone, and Maai Mahiu, the SACCO ensures accessibility and convenience. Its commitment to inclusivity, financial strength, and member-centric services makes it a top choice for Kenyans seeking reliable financial solutions.

For more information or to join Cosmopolitan Sacco, visit cosmopolitansacco.com or contact the head office at 0111 003 500 or info@cosmopolitansacco.co.ke. Whether you’re saving for the future, seeking a loan, or exploring investment opportunities, Cosmopolitan Sacco is your trusted partner in achieving financial success.