Member Benefits That Empower Your Financial Journey
Discover the exclusive advantages of being part of Harambee DT SACCO — from affordable credit to secure savings, insurance, convenience, and elite services.
Let's Start ProjectPremier Membership
Designed for high net worth savers, Premier members enjoy exclusive service at our Premier Shop. To qualify, maintain deposits of Kshs. 700,000 and pay a joining fee of Kshs. 1,000 and monthly fee of Kshs. 300. Enjoy benefits such as parking, refreshments, and fast loan processing.
Sink Fund Cover
For only Kshs. 300 monthly, members receive a benevolent cover in the unfortunate event of death. The insurer pays off loans, doubles member savings, and provides funeral expenses of up to Kshs. 130,000. Claims require verified documentation. Note: Self-inflicted deaths or permanent disability are not covered.
Affordable Credit Facilities
Enjoy low interest rates from as low as 1% per month (reducing balance). Access loans conveniently online 24/7. Your savings and share capital also earn annual dividends and interest.
Convenience at Your Disposal
Experience seamless service through our mobile app (Harambee M-Cash), USSD *357#, and internet banking portal. Enjoy airtime top-up, utility bill payment, fund deposits and withdrawals anytime, anywhere.
Saccolink ATM Card
Our VISA-branded card enables payments locally and internationally. Use it at supermarkets, petrol stations, or online platforms like Jumia and Netflix. Withdraw cash at any ATM for unmatched convenience.
M-Pesa Paybill & Internet Banking
Repay loans or contribute via Paybill 525200. Log into selfservice.harambeesacco.com to track and manage your account activity with ease and transparency.
Harambee Pesa & Bankers Cheque
Through our agency banking service—Harambee Pesa—you can register, deposit, withdraw, repay loans, and view statements. Bankers cheques are also available at FOSA branches (Max Kshs. 500,000 at Kshs. 200).
Wafanisi Member
A special package for members retiring from formal employment. Wafanisi members save and borrow even after retirement—access up to 90% of your savings without guarantors or 3–4x with guarantors. Set up convenient standing orders and enjoy continued financial support into your golden years.
Millionaires Club
Join an exclusive community of top savers! Members who save over KES 1 million qualify for Harambee's prestigious Millionaires Club—celebrating commitment, discipline, and long-term financial success.