Overview
Established in 1991 as Rukuriri Tea Growers Savings & Credit Cooperative Society under the Cooperative Societies Act (Cap 490), County Sacco initially served tea farmers linked to Rukuriri, Mungania, and Kathangariri tea factories. Rebranded as County Sacco to reflect its ambition to serve all Kenyan counties, it was licensed in 2011 by the Sacco Societies Regulatory Authority (SASRA) as a deposit-taking institution. With an asset base of KES 0.68 billion, County Sacco is a prominent player in Kenya’s cooperative sector, headquartered at Kanja Market in Embu County.
Financial Products and Services
County Sacco offers a diverse range of advances, loans, savings, investments, and services tailored to farmers, businesses, and community groups.
Advances
- Milk Advance: Financing for dairy farmers
- Maziwa Waruugi: Specialized dairy advance
- Crop Advance: Support for crop farming
- Cheque Advance: Short-term credit against cheques
- Fixed Deposit Advance: Credit based on fixed deposits
Loans
- Kilimo Loan: For agricultural projects
- Milk/Maziwa Loan: For dairy farming expansion
- Biashara Loan: For business growth
- Jijenge Loan: For personal or business development
- Chama Loan: For group-based financing
- Loans in Kind: Non-cash loan support
- Mshahara Loan: For salaried individuals
- Microfinance Loan: For small-scale entrepreneurs
- Co-op Faida Loan: Cooperative-focused financing
- M-Loan: Mobile-based loan
- Institutional Loans: For organizations
Savings
- Ordinary Account: General-purpose savings
- Corporate Account: For businesses and institutions
- Children Account: For young savers
- NHIF Account: For health insurance contributions
- Business Account: For entrepreneurs
- Akiba Account: Goal-oriented savings
- Christmas Account: For holiday expenses
- Microenterprise Account: For small businesses
- Student Account: For students
Investments
- Sacco Shares: Member ownership investment
- Share Deposits: Savings for share growth
- Micro Deposits: Small-scale investment savings
Services
- Mobile Banking: Convenient account access
- Field Cash Collection: On-site deposit services
- Cheque Clearing: Efficient cheque processing
- Co-op Agent: Cooperative agency services
- M-Pesa Super Agency: Advanced M-Pesa services
- M-Pesa Agent: Mobile money transactions
- Sacco Agency: Branch-like services through agents
Branch Network and Contacts
County Sacco operates five branches in Embu and surrounding areas to serve its members.
- Head Office
Location: Kanja Market, Embu County
Phone: 0700 290 241 / 0732 210 416
Email: [email protected] - Runyenjes Branch
Location: Runyenjes Town, Near Runyenjes Open Air Market, Embu County
Phone: 0752 892 395
Email: [email protected] - Karurumo Branch
Location: Karurumo Market, Embu County
Phone: 0752 892 304
Email: [email protected] - Chuka Branch
Location: Next to KCB and Equity Building, Opposite Shell Petrol Station, Chuka
Phone: 0752 892 296
Email: [email protected] - Miandari Branch
Location: Miandari Market, Embu County
Phone: 0794 763 921
Email: [email protected]
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