Our Vision

Transformation for Prosperity

Our Mission

To facilitate the mobilization of savings and provision of cost effective financial and non-financial products and services to our members/customers in Kenya and beyond.

Our Slogan

"Prospering Together"

Our Core Values

We believe in ethics and integrity

The values that define Ndege Chai Sacco

Integrity and honesty

As Ndege Chai Sacco we always operate ethically, act with professionalism and honesty, treat people with respect, fairness and dignity, and being open and transparent in decision making.

Creativity and Innovation

As Ndege Chai Sacco, we promote an innovative culture and attitude. We think differently to make a difference and strive to apply innovative thinking and creativity to everything we do. Creativity and Innovation is a key driver for our growth. We remain open to new ideas; look for ways to improve processes and seek creative solutions for our customers.

Excellence and Quality

As Ndege Chai Sacco, we value excellence in service provision, leadership, people development, managing long term relationship. Our strategies shall aim at continual improvements in our systems, products and services diversification, reliability, accessibility and affordability

Open an Account Today!

We have a variety of accounts to suit everyone's necessities

Personal Account

This is an account that operates like the conventional savings account in regular/or mainstream financial institutions.

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Group Savings Account

This is an account opened and managed by members of a registered self-help group or a group formed for development purposes.

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Joint Account

This is a savings scheme for spouses or partners who have mutually agreed to make deposits in a joint account.

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Christmas/Holiday Account

The Sacco encourages members to take time off work to relax and savour life. To this end, a member can start a Holiday Savings Plan with the Sacco.

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Children's Account

Members are encouraged to open this account for their children. It helps instill a saving culture for kids while young.

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Fixed Deposit Account

Members with cash with no immediate usage in mind or have money for a long term project can use this account and earn an attractive interest.

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Our Loan Products

There is a loan product for everyone

Normal Loan

This is a development loan product and the loan facility is meant to assist a member initiate and finance development projects.

Maziwa Loan

This is a loan facility advanced to members who operate a dairy business or those who intend to do so.

Jipange Loan

This is a FOSA based loan facility advanced through M-Pesa service. To qualify for a loan, one must have been channeling salary through FOSA account for the past 3 months.

Boada Boda Loan

This facility targets Boda Boda operators and is payable within a period of 18 Months at 14% interest rate on reducing balance basis.

Salary Advance Loan

Salary advance is applied online via M-Ndege service. It is processed and paid within 3 minutes and attract an interest rate of 6.5% per month.

Seasonal Advance Loan

This is a facility advanced through FOSA. The applicant must attach a certified copy of the contract document as a proof of engagement indicating the remaining term.

Special Advance Loan

This is a product which facilitates the payment of salary advances when a member presents a postdated Cheque

Emergency Loan

The loan facility helps a member meet emergency situations that were un foreseen. Mostly called 'school fees' loan by our members.

Additional Loan

This loan facility is like a top up that facilitates completion of an ongoing project/investment or can start a new project altogether.

A World Class Financial Institution


WHY join Ndege Chai Sacco?

Reasons to join Ndege Chai Sacco.

Cooperative Principles

As always, partners grows with you!

The Sacco recognizes, upholds and esteems its members, peer Saccos, the government and regulatory agencies as well as all stakeholders by adhering to good corporate governance principles and practices, and guided by the Co-operative Principles namely:

Thus, the objects of the Society shall generally be in accordance with the Cooperative Values and Principles.


You Ask, We Answer

A member becomes eligible after a minimum membership period of six (6) months and on fulfilling all requirements of a specific loan product. Members who transfer their deposits from another Sacco are exempted from the waiting period.
  • A fully completed loan application form.
  • Attach 3 most recent pay slips.
  • A copy of an acceptable form of identification (National ID/Valid Passport).
  • Guarantors should be active members and have contributed for at least three months. Guarantors and applicants shares MUST be equal to or more than the loan applied for.
  • One must have been an active member for at least three consecutive months
Yes indeed. Loans granted by the society must be fully guaranteed by members of the society. Guarantors and applicants shares MUST be equal to or more than the loan applied for. In special cases when loan is less/equal to shares one could guarantee him/herself.
A loan application must be done in writing on prescribed forms which must be fully filled. The applicant must attach all relevant documents. Alteration will not be allowed.

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Kericho Branch

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Naivasha Branch

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Silibwet Branch

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