Our Products & Services

All Products & Services

Member Deposits

A savings and investment account where members can deposit funds anytime through: Paybill 5...

Karibu Loan

Looking to establish yourself quickly and begin your journey toward financial freedom after joini...

Development Loan

Looking to fund an important investment or purchase property? Our Development Loan offers a cost-...

Emergency Loan

Financial emergencies don't have to be stressful. Our Emergency Loan provides members with qu...

School Fees Loan

Eliminate the stress of education expenses with our specialized School Fees Loan. This short-term...

Jisaidie Top-up Loan

With borrowing power of up to 4 times your savings, our Jisaidie Loan is designed to revolutioniz...

Jisaidie 72 Top-up Loan

Designed specifically for members with substantial long-term investment needs, this financing sol...

Inuka 84 Loan

The Inuka 84 loan provides members with extended-term financing at competitive rates, offering up...

Inuka 96 Loan

Our Inuka 96 loan offers members exceptional long-term financing with generous repayment terms, d...

BIMA Advance

A convenient solution to finance your insurance premiums with flexible repayment terms ...

Shamba Loan

Our Shamba Loan provides affordable financing for agricultural land purchases, covering 80% of th...

Harambee Mortgage

Unaweza ishi kama Mdosi! with HARAMBEE MORTGAGE SCHEME Feature Harambee Home L...

Makao Poa Loan

Harambee DT Sacco has established partnerships with leading suppliers to offer members access to ...

FOSA Salary account

A convenient banking solution designed specifically for salary earners, offering flexible access ...

FEDHA Fixed Deposit Account

Grow your savings securely by fixing your money for a specific period and earning attractive inte...

Toto Junior Account

"Children see in their parents their past, parents see in their children their future...&q...

Harambee Business Account

Banking Solutions for Your Business or Rental Income Harambee DT SACCO presents the Harambee B...

52 Week Savings challenge

A structured savings program designed to help Harambee DT SACCO members achieve their financial g...

Holiday Savings Account

Member-Initiated Trips Flexibility: Members plan and organize their own trips Account Req...

Shares boost Advance loan

A unique loan enhancement product that allows members with limited savings to increase their borr...

Salary Advance

Medium-term financing solution for FOSA salary account holders A tailored financial product de...

Salary-In-Advance

When urgent financial needs arise, our Salary-In-Advance provides a quick solution for members wh...

M-Boosta Loan

Instant access to funds anytime, anywhere Our mobile-based loan product provides Harambee SACC...

M-Boosta Plus Loan

A convenient mobile-based loan solution that provides Harambee SACCO members with quick...

Jisort Advance

A convenient salary-advance product designed for members whose salaries are processed through FOS...

Finje Chap Chap

Fast, convenient small loans when you need them most A rapid salary-based loan solution design...

YOLO Loan

Your short-term financial solution in just a few taps Harambee DT Sacco's YOLO LOAN provid...

Ready to join a movement that’s transforming lives through financial empowerment?

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