Discover Elimu Sacco: Your Partner in Financial
Growth
Stability
Success
Freedom
Growth
Stability
Success
Freedom
Elimu Sacco is one of Kenya’s leading financial cooperatives, providing a wide array of financial services and products to individuals and businesses. We are committed to empowering our members by helping them achieve financial independence through sound financial guidance. Our Sacco was founded in 1972 and has grown to serve over 48,000 members across Kenya. With a strong tradition rooted in integrity, transparency, and teamwork, we strive to be the Sacco of choice within Kenya's cooperative movement and beyond.
Elimu Sacco Financial Products for Your Growth and Security
At Elimu Sacco, we offer a range of financial products designed to support your unique financial goals. This is from flexible savings plans to affordable loan options, each product is created to empower our members and enhance their financial well-being.
FOSA Savings Accounts
Experience flexible, accessible savings with Elimu Sacco’s FOSA Accounts, crafted for your everyday banking needs
- Chipukizi Junior Account
- Fixed Deposit Account
- Akiba Account
- Mshahara Account
- Pension Account
FOSA Loans
Empower your financial journey with Elimu Sacco’s FOSA Loans, offering competitive rates, flexible terms, and easy repayment options.
- Mobile Friday Loan
- Salary In Advance Loan
- Investment Mobile Loan
- Seasonal Loans
- Jiconnect Loan
BOSA Loans
Achieve your financial goals with Elimu Sacco’s BOSA loans. Download Loan Form
- College Fees Loans
- Development Loan
- Emergency Loan
- G-Patie Tank Loan
- Premier Development Loan
- Super Loan
Become a Member in a Few Simple Steps
Learn how easy it is to join Elimu Sacco and start enjoying exclusive financial benefits, from savings to affordable loans. Take the first step to secure your financial future!
Fill a membership form
Clearly filled membership form with correct details
Pay a one off membership fee of Ksh. 500 only
Paybill number 969800 A/C number is your phone number
Monthly deposit minimum Ksh.500
Can be as much as you wish
A copy of national ID, 1 colored passport photo and KRA PIN
Clear copies of your National ID, 1 colored passport photo and KRA PIN
Discover why our clients choose us again and again.

When we began Plainview Academy, we faced countless financial challenges, especially in paying staff salaries and putting up classrooms. We started small, with only a handful of employees and limited resources. Everything changed when one of Elimu SACCO’s sales team members approached me. I quickly realized that SACCOs offer far more flexible, reliable support than banks. Since joining in 2017, I’ve accessed development loans that have helped us manage salaries, construct classrooms, and expand our school. Today, all my employees are proud Elimu SACCO members. They borrow, save, and guarantee each other, creating a supportive financial community within the school. Thanks to Elimu SACCO, we successfully rolled out Grade 9 last year and continue to grow stronger. The SACCO has truly lifted the financial burden from my shoulders and helped us build a solid foundation for the future.
Victoria Kendi Kingaru

Elimu SACCO has been a dependable partner throughout my life’s journey. I was introduced to the SACCO by my supervisor shortly after I was employed in 1998, and I officially joined in 1999 with a simple but powerful goal, to save consistently and build a better future. Since then, Elimu SACCO has offered solutions to many of my challenges, especially in educating my children. I have relied on the School Fees and College Loans to pay their tuition and also to fund my own education. Through Elimu SACCO, I was able to complete my Master’s Degree at the Catholic University of Eastern Africa, something I am incredibly proud of. The SACCO has also enabled me to build my rural home and purchase several plots of land over the years. These are milestones I never would have imagined achieving so smoothly without the support of Elimu. Elimu SACCO has not just helped me save, it has helped me grow. It’s more than a financial institution to me; it’s a life partner in development and family empowerment.
Mr. Douglas Omondi

I joined Elimu SACCO in 2012, and since then, it has been my go-to financial partner. One of the products I value most is the School Fees Loan, which helped me successfully complete my degree. Just three years after joining, I was able to purchase land through the Vision Elimu Loan. Working in county government where salaries sometimes delay, Elimu SACCO has been a lifeline through their timely salary advances. Knowing I can access funds before payday has brought me peace of mind. What I love most is that the SACCO offers affordable loans up to four times my savings, with fast processing that makes it easy to plan and act on opportunities. My savings give me deep satisfaction, knowing I am building a secure future. Whenever I face an emergency, I know I can count on Elimu SACCO. Even better, the SACCO doesn't just lend money, they educate us on financial products, services, and responsible money management. That’s what makes Elimu SACCO more than just a financial institution, it’s a pillar of empowerment.
Lucy Lorogoi Miinyan

We joined Elimu SACCO in 2019 with a single goal to save consistently while planning for our children's future. Since then, the SACCO has walked with us every step of the way. Through the Development Loan, we were able to purchase land, and later, my wife furthered her education with the help of the College Loan. Education has always been a priority for our family, and we are proud to say that our children’s schooling has also been supported by Elimu SACCO. Like many families, we were hit hard during the COVID-19 period. Our finances were strained and the uncertainty was overwhelming. But Elimu SACCO came through for us offering multiple loan solutions that helped us stay afloat and regain stability. Elimu SACCO has not just been a financial institution, but a lifeline. It gave us hope in hard times and has become a key pillar in securing our family’s future.
Mr. & Mrs. Hillary Kipkorir Kisabei

We became members of Elimu SACCO back in 1999, at a time when SACCOs were still few and far between. Even then, Elimu stood out as a reputable and reliable financial institution. Over the years, it has remained our trusted financial partner. In 2007, our family went through a very difficult time, including being evicted from our home. It was an emergency loan from Elimu SACCO that helped us feed our family and reorganize our lives during that crisis. Through school fees loans, we have been able to educate our children without interruption, and with the development loan, we built our current home, a dream come true. Elimu SACCO has not only given us financial stability, but also dignity. I have proudly referred over five people to the SACCO because I believe in it fully. For us, Elimu is not just a SACCO it’s family.
Mr. & Mrs. John Kimutai Kwesi

Since joining Elimu SACCO in 2007, I have experienced outstanding financial growth and support. The SACCO's national presence and ability to deliver services right to our doorstep made me confident enough to transfer all my financial services from the bank to Elimu SACCO. Through their efficient FOSA services, which match the convenience of any bank and their member-friendly loan structures, I’ve been able to accomplish goals I once thought were far-fetched. Elimu SACCO has helped me build a permanent home, invest in plant machinery, and provide quality education for my children. My family's overall welfare has improved tremendously, thanks to school fees and development loans accessed through the SACCO. What sets Elimu SACCO apart is not just the financial products, but the reliability and professionalism of their service delivery. It is a SACCO I would proudly recommend to any serious professional seeking empowerment and financial freedom
Mr. Ogutu Robert Pascal

I became a member of Elimu SACCO in 2005 with one main goal, to educate my sons and daughters. Thanks to the SACCO's unwavering support through products like the School Fees Loan, I now proudly have five graduates in my home. Beyond education, I’ve benefitted from mobile loans, salary advances, and development loans which have empowered me to purchase and develop plots of land and I am now a landlord. The SACCO has also enabled me to fund and grow my businesses, ensuring financial stability even after retirement. Elimu SACCO’s accessibility, especially through mobile loan services, has been a game-changer. I’ve referred several people to the SACCO, including my biological brother, who is now a fellow member. Elimu SACCO has been more than a financial institution, it has been a true partner in uplifting my family, building my wealth, and shaping our future.
Mr. Ogola Karillus Charles

Joining Elimu SACCO in 2020 was one of the best decisions I've ever made. As a cook at Shadrack Kimalel, I never imagined I could own both land and a car, but with the support of Elimu SACCO, I made it happen through their Vision Loan. Today, I proudly own a car that's generating income through Uber services and I am also a homeowner. The SACCO has empowered me financially and opened doors I never thought possible. I've been so inspired by my journey that I’ve encouraged several colleagues, both at Shadrack Kimalel and Mbagathi Secondary, to join Elimu SACCO. With continued savings and SACCO support, I’m now planning to acquire a second car. Elimu SACCO is truly a partner in progress.
Lucy Njeri Gitau
Your burning questions and enquires,
answered
clarified
explained
resolved
answered
clarified
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resolved
You can boost your savings using Mpesa paybill, go to Lipa na Mpesa, Paybill Business Number 969800. The account name is the membership number, starting with zero, followed by the keyword DEP e.g. 037895DEP
You can view and download all statements on the web portal here We always share free quarterly E-statements to our members on email. Please ensure that your email is always up to date. You can update your email by dialling *346#
- Dial *346* to access your Elimupesa Account
- Enter your PIN
- Select option 3 for Loans
- Select option 1 for loan request
- Select the loan you are applying for and follow the instructions.
- You will need to enter your guarantors phone numbers separated by a comma
- The guarantor will need to log in to their Elimupesa and approve guarantorship from their end
- Finally, you will be required to share with us your recent stamped pay slip on email loans@elimusacco.com/customercare@elimusacco.com or via WhatsApp on 0731468671
In case you need your pin reset, fill an Elimupesa form and share with us together with a copy of your ID on our email address customercare@elimusacco.com or WhatsApp us on 0731468390.
Anytime you replace your sim card or switch your sim card to a different gadget, you will receive an error code 001 when you dial *346#. In this case, fill a Sim swap form
and share with us together with A COPY OF YOUR ID for activation on our email address customercare@elimusacco.com . This security measure ensures the safety of your account.
Reasons you might not get Mobile Loans;
- Offset of prior loans from deposits, hence you have to top up your deposits to the amount before offset.
- Blacklisted on CRB by other institutions
- Dormancy due to lack of transaction in the last 6 months
- Share deposit limit – your deposits are not enough to secure the applied loan
- Remittance should be up to date
- Blockage due to nonperformance of other loans
- Over commitment of one’s Pay slip (Salary advances & Mobile Friday Loan)
To activate Sacco messages, please dial *100*5*2*5*1# or contact customer care
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