Overview
Established on June 2, 1977, with an initial membership of 163 teachers, Ecopillar Sacco has grown into one of Kenya’s leading deposit-taking Savings and Credit Co-operative Societies, boasting an asset base of KES 1.35 billion. Originally focused on educators, the Sacco now serves a diverse community, empowering members through improved living standards, asset acquisition, education funding, development projects, and economic growth. Headquartered at Teachers Plaza, 1st Floor, Makutano Town, Kapenguria, Ecopillar Sacco also operates a branch in Lodwar.
Who Can Join?
Ecopillar Sacco offers membership across three categories:
Class A Members
- Teachers employed by the Teachers Service Commission (TSC)
- Employees of all government ministries
- County government staff
- Office of the President (OOP) employees
- Members of the disciplined forces
Class B Members
- Ecopillar Sacco staff
- Civil servants
- State corporation employees
- Staff of sister organizations
- Parent-Teacher Association (PTA) members
- Board of Management (BOM) interns
Class C Members
- Business owners
- Traders
- Farmers
- Self-employed individuals
This inclusive structure accommodates a wide range of professionals and entrepreneurs.
Membership Requirements
To join Ecopillar Sacco, applicants must:
- Complete a membership application form, available on the Sacco’s website or at its offices
- Submit a copy of a National ID
- Provide one passport-size photograph
- Include a current payslip (for members using the check-off system)
- Fill out a nominee form
- Contribute a minimum monthly deposit of KES 2,000
- Pay KES 200 monthly to the welfare fund, which supports funeral expenses for the member, their spouse, children, and biological parents
- Provide a copy of a KRA PIN certificate
There is no entrance fee, making membership accessible to all eligible applicants.
Membership Benefits
Joining Ecopillar Sacco provides:
- Access to affordable loans and competitive savings products
- Support for education, business, and personal development goals
- Financial security through the welfare fund for funeral expenses
- Quick and efficient loan processing
- Opportunities for economic empowerment and improved living standards
Financial Products and Services
Ecopillar Sacco offers a variety of Front Office Service Activity (FOSA), Back Office Service Activity (BOSA), micro-credit, and loans, and ATM services to meet members’ needs.
FOSA Products
- Savings Account: General-purpose savings
- Children’s Account: Savings for young members
- Fixed Deposit Account: High-yield savings with fixed terms
- Salary Advance 1: Short-term credit for salaried members
- Salary Advance 2: Additional salary-based financing
- Instant Loan: Quick-access credit
- Premium Loan: For larger financial needs
- Karibu Loan: Welcoming loan for new members
- Micro Loan: For small-scale entrepreneurs
- Smartphone Loan: For purchasing mobile devices
BOSA Products
- School Fees Loan: For educational expenses
- Emergency Loan: For urgent financial needs
- Normal Loan: General-purpose financing
- Special Loan: Tailored loan product
- Special Development Loan: For long-term projects
- Special Development Loan 2: Enhanced development financing
Micro-Credit Products
- Biashara Loan: For business expansion
- Ufugaji Loan: For livestock farming
- Kilimo Loan: For agricultural activities
ATM Services
- Cash withdrawals
- Balance inquiries
- Mini statements
- PIN resets
- Payments for fuel, utility bills, hospital bills, and restaurant or hostel expenses
Branch Network and Contacts
Ecopillar Sacco operates two branches:
- Head Office
Location: Teachers Plaza, 1st Floor, Makutano Town, Kapenguria
Phone: +254 020 262 6754 / +254 0704 541 174 - Lodwar Branch Office
Location: Opposite KCB Bank, Lodwar
Phone: +254 054 21274
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