In Kenya’s dynamic financial landscape, Savings and Credit Cooperative Societies (Saccos) play a pivotal role in fostering financial inclusion, offering affordable credit, and promoting a savings culture. Among these, County Sacco Society Ltd stands out as a trusted, member-centric institution dedicated to empowering individuals, businesses, and communities in Embu and beyond. With a robust network of branches and a commitment to accessible financial services, County Sacco is a beacon of economic empowerment. This comprehensive guide explores County Sacco’s branches, contact details, services, membership requirements, and why it’s a top choice for Kenyans seeking financial growth.
Introduction to County Sacco Society Ltd
Founded with a mission to uplift its members economically, County Sacco Society Ltd is a deposit-taking Sacco regulated by the Sacco Societies Regulatory Authority (SASRA). Headquartered in Runyenjes, Embu County, the Sacco has established itself as a cornerstone of financial empowerment in Eastern Kenya. With a growing membership base and an asset portfolio that reflects its stability, County Sacco offers a range of financial products tailored to meet diverse needs, from savings accounts to affordable loans. Its strategic branch network ensures accessibility, making it a vital player in Kenya’s cooperative sector, which manages over KSh 1.2 trillion in assets nationwide (SASRA, 2025 projection).
County Sacco’s commitment to financial inclusion aligns with Kenya’s Vision 2030, promoting economic growth in both urban and rural areas. Whether you’re a farmer in Embu, a small business owner, or a salaried professional, County Sacco provides the tools to save, borrow, and invest wisely. This article dives into the Sacco’s branch network, contact information, services, and how to join, ensuring you have all the information needed to make informed financial decisions.
County Sacco Branch Network: Locations and Operating Hours
County Sacco Society Ltd operates six strategically located branches across Embu and Tharaka-Nithi counties, ensuring members can access services conveniently. Each branch is equipped to handle savings, loan applications, and other financial services, with consistent contact details for seamless communication. Below is a detailed breakdown of County Sacco’s branches, their addresses, and operating hours.
1. Head Office – Runyenjes
- Location: P.O. Box 21 – 60103, Runyenjes, Embu County
- Email: info@countysacco.com
- Mobile: 0700290241
- Operating Hours:
- Monday–Friday: 8:30 AM–4:00 PM
- Saturday: 8:30 AM–1:00 PM
- Sundays & Public Holidays: Closed
- Why It Matters: As the nerve center of County Sacco’s operations, the Runyenjes Head Office handles membership registrations, loan processing, and administrative functions. It’s the go-to branch for new members and those seeking comprehensive support.
2. Kanja Branch
- Location: Kanja, Embu County
- Email: info@countysacco.com
- Mobile: 0700290241
- Operating Hours:
- Monday–Friday: 8:30 AM–4:00 PM
- Saturday: 8:30 AM–1:00 PM
- Sundays & Public Holidays: Closed
- Why It Matters: Serving the Kanja community, this branch supports local farmers and small businesses with tailored financial products, such as agricultural loans.
3. Miandari Branch
- Location: Miandari, Embu County
- Email: info@countysacco.com
- Mobile: 0700290241
- Operating Hours:
- Monday–Friday: 8:30 AM–4:00 PM
- Saturday: 8:30 AM–1:00 PM
- Sundays & Public Holidays: Closed
- Why It Matters: Located in a rural hub, Miandari Branch promotes financial inclusion by offering accessible savings and credit services to underserved communities.
4. Runyenjes Branch
- Location: Runyenjes, Embu County
- Email: info@countysacco.com
- Mobile: 0700290241
- Operating Hours:
- Monday–Friday: 8:00 AM–4:00 PM
- Saturday: 8:00 AM–2:00 PM
- Sundays & Public Holidays: Closed
- Why It Matters: As a secondary branch in Runyenjes, it complements the Head Office, offering extended Saturday hours for members with busy weekday schedules.
5. Karurumo Branch
- Location: Karurumo, Embu County
- Email: info@countysacco.com
- Mobile: 0700290241
- Operating Hours:
- Monday–Friday: 8:30 AM–4:00 PM
- Saturday: 8:30 AM–1:00 PM
- Sundays & Public Holidays: Closed
- Why It Matters: This branch caters to the Karurumo community, supporting agricultural and small-scale entrepreneurial activities with low-interest loans.
6. Chuka Branch
- Location: Chuka, Tharaka-Nithi County
- Email: info@countysacco.com
- Mobile: 0700290241
- Operating Hours:
- Monday–Friday: 8:00 AM–4:00 PM
- Saturday: 8:00 AM–2:00 PM
- Sundays & Public Holidays: Closed
- Why It Matters: Extending County Sacco’s reach into Tharaka-Nithi, the Chuka Branch serves a growing membership base, particularly in agribusiness and retail.
Each branch is designed to provide a consistent member experience, with uniform contact details (0700290241, info@countysacco.com) for inquiries. The Sacco’s operating hours accommodate both weekday and weekend needs, ensuring accessibility for all members.
Financial Products and Services Offered by County Sacco
County Sacco offers a diverse portfolio of financial products designed to promote savings, provide affordable credit, and support long-term financial goals. Drawing inspiration from leading Saccos like Chai Sacco and Amica Sacco, County Sacco tailors its offerings to meet the needs of its members in Embu and Tharaka-Nithi. Below are some of the key products and services:
Savings Accounts
- Regular Savings Account: Encourages disciplined saving with competitive interest rates, ideal for short-term financial goals.
- Fixed Deposit Account: Offers higher interest rates for funds locked in for a fixed term, perfect for long-term savings.
- Junior Savings Account: Designed for children under 18, promoting early financial literacy and savings.
- Group Savings Account: Tailored for chamas and community groups, enabling collective savings and access to group loans.
Loan Products
- Personal Loans: For individual needs like education, medical expenses, or home improvements, with interest rates as low as 1% per month on reducing balance.
- Agricultural Loans: Support farmers in Embu and Tharaka-Nithi with affordable credit for inputs, equipment, or land development.
- Business Loans: Empower entrepreneurs with capital for business expansion, inventory, or working capital.
- Emergency Loans: Quick-access loans for urgent needs, with flexible repayment terms.
- Mortgage Loans: Facilitate home ownership or property acquisition with competitive terms.
Additional Services
- Mobile Banking: Access savings, loan applications, and account balances via a USSD code or mobile app, enhancing convenience.
- M-Pesa Integration: Deposit funds or repay loans using County Sacco’s M-Pesa Paybill number.
- Financial Literacy Programs: Workshops and training to equip members with money management skills.
- Insurance Products: Partnered solutions for loan protection and member welfare.
These products align with County Sacco’s mission to empower members economically, socially, and financially, mirroring the success of top-tier Saccos like Stima Sacco and Kenya Bankers Sacco.
How to Join County Sacco: Membership Requirements
Joining County Sacco is straightforward and inclusive, welcoming individuals, groups, and corporates. Below are the membership categories and requirements:
Individual Membership
- Completed membership application form (available at any branch or online).
- Copy of national ID or valid Kenyan passport.
- KRA PIN certificate.
- One passport-sized photograph.
- One-time membership fee (varies, contact the Sacco for details).
- Minimum share capital contribution (typically KSh 2,000–5,000, non-refundable).
Group Membership
- Registration certificate for the group or chama.
- Copy of group constitution and meeting minutes resolving to join County Sacco.
- KRA PINs and IDs of authorized signatories.
- Membership fee and minimum share capital.
Corporate Membership
- Certificate of incorporation.
- Memorandum and articles of association.
- Board resolution to join the Sacco.
- KRA corporate PIN.
- IDs and KRA PINs of authorized signatories.
To join, visit any County Sacco branch (Runyenjes, Kanja, Miandari, Karurumo, or Chuka) or contact the Head Office at 0700290241 or info@countysacco.com. The Sacco’s inclusive approach ensures that farmers, salaried employees, entrepreneurs, and diaspora Kenyans can benefit from its services.
Why Choose County Sacco?
County Sacco stands out in Kenya’s competitive Sacco landscape for several reasons:
- Accessibility: With six branches across Embu and Tharaka-Nithi, members can access services conveniently.
- Affordable Credit: Loans with interest rates as low as 1% per month on reducing balance, compared to commercial banks’ 18%.
- Member-Centric Approach: Democratic governance ensures members’ needs drive the Sacco’s operations.
- Digital Innovation: Mobile banking and M-Pesa integration make financial management seamless.
- Community Impact: By focusing on rural areas like Kanja and Miandari, County Sacco drives financial inclusion in underserved regions.
- Regulatory Compliance: Licensed and regulated by SASRA, ensuring transparency and security.
The Role of Saccos in Kenya’s Financial Ecosystem
Saccos are a cornerstone of Kenya’s financial sector, managing over KSh 1.2 trillion in assets and serving more than 6 million members (SASRA, 2023). They provide an alternative to commercial banks, offering lower interest rates on loans and higher returns on savings. County Sacco contributes to this ecosystem by empowering communities in Embu and Tharaka-Nithi, where agriculture drives livelihoods. For instance, 70% of Embu’s economy is agriculture-based (Kenya National Bureau of Statistics, 2023), and County Sacco’s agricultural loans support farmers in scaling their operations.
Moreover, Saccos like County Sacco align with Kenya’s Vision 2030 goals of financial inclusion and economic empowerment. By offering products like the Junior Savings Account and group loans, County Sacco fosters a savings culture and supports collective economic initiatives, such as chamas.
Challenges and Opportunities for County Sacco
Like many Saccos, County Sacco faces challenges in a rapidly evolving financial landscape:
- Digital Competition: Mobile lenders like Tala offer instant loans, attracting younger clients. County Sacco must continue innovating its mobile banking platform to stay competitive.
- Financial Literacy: Many rural members lack adequate financial education, necessitating ongoing training programs.
- Regulatory Compliance: Adhering to SASRA’s stringent regulations requires robust governance and transparency.
However, opportunities abound:
- Digital Transformation: Expanding mobile banking and USSD services can attract tech-savvy members.
- Partnerships: Collaborations with M-Pesa and other fintech platforms enhance accessibility.
- Youth and Women Empowerment: Products like the Youth Enterprise Fund and Women Enterprise Fund can drive membership growth.
Tips for Maximizing Your County Sacco Membership
To get the most out of your County Sacco membership, consider these tips:
- Save Consistently: Regular contributions to your savings account build eligibility for larger loans.
- Leverage Mobile Banking: Use County Sacco’s USSD code or mobile app for seamless transactions.
- Attend Financial Literacy Workshops: Gain insights into budgeting, investing, and debt management.
- Explore Loan Options: Choose loans that align with your financial goals, such as agricultural or business loans.
- Engage with the Community: Participate in member meetings to influence Sacco policies and stay informed.
County Sacco Society Ltd is more than a financial institution—it’s a partner in economic empowerment for Kenyans in Embu, Tharaka-Nithi, and beyond. With six accessible branches, a wide range of financial products, and a commitment to member welfare, County Sacco is a trusted choice for savings, loans, and investments. Its focus on financial inclusion, competitive interest rates, and digital innovation positions it as a leader in Kenya’s Sacco sector. Whether you’re looking to save for the future, secure a loan, or invest in your business, County Sacco’s branches in Runyenjes, Kanja, Miandari, Karurumo, and Chuka are ready to serve you.
For more information, contact County Sacco at 0700290241 or info@countysacco.com, or visit the nearest branch. Join today and take the first step toward financial freedom!
