Ukulima was registered in 3rd February, 1972 as a Savings and Credit Co-operative Society with the objective of promoting thrift among Ministry of Agriculture employees to save and borrow at low cost in order to meet the employees’ socio-economic needs. Later, a common bond was open thus the society current membership of 27,749 is spread out in all government Ministries, Parastatals, Water boards, NGO’s and reputable private organizations countrywide. From a humble beginning, the society has grown from strength to strength and today is one of the giant Sacco in Kenya. This is evident by the continued growth in terms of membership, share capital, loans to members, investments and payment of dividends to members. There are 5 Branches, Nairobi, Kisumu, Mombasa, Embu and Eldoret.

Our Vision

Your Preferred Financial Partner.

Our Slogan

United in Creating Wealth.


To enhance members' empowerment through provision of quality financial services.


The Society exist to offer the following services:-

Afford members an opportunity to accumulate their savings.

Provide credit to members at fair and reasonable rates of interest to improve their economic and social welfare.

Educate members on the proper use of credit and to fully utilize available products and services in the Society.


At Ukulima Sacco we:

are committed to providing quality and efficient services to our members

believe in being an efficient accountable and friendly organization

embrace sound management practices

believe in providing an enabling working environment that promotes communication, teamwork and mutual trust

believe in adopting modern information communication technology to enhance service delivery

believe in being a responsible corporate citizen Other valuesAdditionally, we:

are committed to recruiting, retaining, developing and rewarding competent personnel

Are an equal opportunity employer

Cherish creativity, innovation and continuous learning


Offer excellent services with courtesy,Integrity and impartially.

Attend to member’s within 30 minutes of visit and handle members’ needs with confidentiality and urgency it deserves;

There will be a customer care officer available to attend to members problems;

All services to our members are offered free of charge as per our existing policies. Kindly assist us by not compromising our staff at all levels.

Ukulima Sacco is a corruption free zone