Savings & shares
From KES 1,500Earn dividends on shares and interest on deposits.
SASRA licensed
Save together. Grow faster.
Earn up to 12% dividends on shares, borrow up to 4× your savings and manage everything from your phone.
What we offer
Clear prices, quick replies and work we stand behind.
Loans
From KES 3,000Development, emergency and asset loans up to 4× savings.
Mobile banking
Ask for a quoteDeposit, withdraw and apply for loans from your phone.
About Umoja Sacco
Member-owned since 2004, we now serve 48,000 members with KES 9.2B in assets. Every shilling of profit goes back to members as dividends and better rates.
Why people choose us
Fast replies
Message us on WhatsApp and we answer within minutes.
Trusted locally
Serving Nairobi with hundreds of happy customers.
Open when you need us
Mon–Sat 8am–6pm, and by appointment on Sundays.
What customers say
The best birthday cake we have ever had.
Soft, fresh bread every single time.
Quick replies and on-time delivery.
Common questions
How do I book or order?
Send us a WhatsApp message or call. We confirm within minutes.
Do you deliver or travel?
Yes, across Nairobi and nearby towns.
How do I pay?
M-Pesa, cash or bank transfer. A receipt is sent for every payment.
Can I change my booking?
Of course. Let us know a day ahead and we will reschedule.
Visit or get in touch
Nairobi, Kenya
- Call us+254 700 000 000
- Email ushello@umojasacco.co.ke
- AddressMain Street, Nairobi town centre
- Opening hoursMon–Sat 8am–6pm