Kencream Sacco: Membership, & Financial Services Guide

1 min


551
Kencream Sacco
Kencream Sacco

Kencream Sacco: Dairy Industry Financial Solutions Since 2002

Founded in March 2002 by New KCC employees, Kencream Sacco has evolved into a licensed deposit-taking institution serving members across Kenya. Established to promote financial discipline among members, the SACCO provides secure savings opportunities and affordable credit facilities, maintaining steady growth in both membership and financial strength over two decades of operation.

Membership Eligibility

Kencream Sacco welcomes:

  • Employees of government ministries and parastatals
  • Private sector workers and business owners
  • Members of organized groups and associations
  • Individuals from various professional backgrounds

Membership Requirements

Documentation Needed

  • Completed membership application (available online or at branches)
  • Copy of National ID
  • KRA PIN certificate
  • Passport-sized photograph

Financial Commitments

  • One-time registration fee: Kshs 1,000
  • Minimum share capital: Kshs 15,000 (earns dividends, transferable)
  • Monthly contributions:
    • Salaried employees: Kshs 3,200
    • Non-salaried members: Kshs 1,700

Financial Products & Services

Front Office Services (FOSA)

Savings Accounts

  1. Super Account – Premium savings solution
  2. Fixed Account – Term deposits with higher returns
  3. Jazajaza Account – Flexible savings plan
  4. Busara Savings – Wise money management account
  5. Chama Account – Group savings platform
  6. Crystal Account – Transparent savings option

Loan Products

  • Salary Advance Loan – Short-term cash flow solution
  • Salary Special Loan – Enhanced staff financing
  • Jipange Loan – Budget-friendly credit facility
  • Non-Check Off Loan – Alternative staff financing

Back Office Services (BOSA)

Savings Plans

  • Regular deposit savings
  • Share capital investment
  • Christmas savings plan
  • Benevolent fund coverage

Loan Facilities

  1. Asset Financing:
    • Car loans
    • Development loans
  2. Specialty Loans:
    • Upesi (Fast) Loan
    • Super Loan
    • Consumer Loan
  3. Emergency Solutions:
    • Bima (Insurance) Loan
    • School Fees Loan
    • Emergency Loan
  4. Quick Disbursement:
    • Instant Loans
    • Express Loan
    • Weekend Loan
    • E-Loan (Digital application)

Why Choose Kencream Sacco?

  • Dairy Industry Heritage with proven financial stability
  • Comprehensive Loan Portfolio for diverse needs
  • Flexible Savings Options for different goals
  • Nationwide Membership beyond original dairy sector
  • Competitive Dividend Payments on share capital

Contact Information

📍 Head Office: Dakar Road, Enterprise Road, Industrial Area, Nairobi
📞 Phone: 0703 756 350 / 020 3980 100

READ MORE: Acumen Sacco: Membership, Products & Financial Solutions Guide

Siraji Sacco: Branches, and Financial Services in Kenya

Thamani Sacco: Branch, Membership, and Financial Services

Magadi Sacco: Membership Eligibility and Financial Services

Top 20 Best Saccos to Join in Kenya

List of Registered Deposit-Taking SACCOS in Kenya

Non‑Withdrawable Deposit‑Taking SACCOs in Kenya (2025)

List of Licensed Deposit‑Taking SACCOs in Kenya (2025)


Like it? Share with your friends!

551