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Savings Products

Financial services that enable members to have affordable and convenient savings, transfer cash , and deposit...
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Loan Products

Our Products empower members undertake development projects with long term benefits....
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Deposits Products

Non-withdrawable savings allows members to borrow against their savings, at very competitive interest rates.
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Kona Advance empowers members who have emergencies to sort out by applying for KONA advance through our USSD *345#|Option 8 Loan. All members are able to access this product and pay after 1 month at 3% interest one off. Maximum loan is Kes.200,000.
Rununu Advance

Rununu Advance

Rununu Advance empowers members who have emergencies to sort out within 5 Mins by applying for the advance through our USSD *345#. Only Salaries that are processed through the Sacco qualify to get the advance.
Virtual Helpdesk

Virtual Helpdesk

The Sacco’s main goal is Customer Focus. We have a virtual helpdesk where members can email and ring within working hours and get a fast response to their enquiries and feedback. We also have Social Media – Facebook/Twitter @Safaricomsacco to reach out to you. The official Sacco email is while the official phone number lines Credit: 0111 222 225 Customer Care: 0111 222 226 Customer Care: 0111 222 227 IT Help Line: 0111 222 228
ATM Cards

ATM Cards

The Sacco has VISA branded ATMs that facilitates cashless movement of funds. Members can enjoy withdrawal of funds in Co-operative Bank at Kshs.33, or any other bank where VISA charges shall apply. Shop anywhere at any time, paybills


Members can log in and check their online statements, check loan eligibility, guarantors and transact from
SafCIRI – Mobile Application & USSD *345#


The Sacco has a mobile application – SafCIRI on both the Google Playstore & Apple Store. We also have a USSD Code (*345#) that is convenient to enable members access their FOSA savings, salaries and loans paid via any phone and transfer is made to their M-PESA accounts real time. If you have neither used the *345# service nor the app before select Register on safCIRI, else select Activate.
All you need to know about The Co-operative Tribunal
  • What is share Capital? Share capital is the core capital of the Sacco. Each and every member is mandated to purchase minimum shareholding of 400 shares each share is 100/= equal to Kes 40,000
  • Do I get returns on my contributions and shares? The returns are earned at the end of every financial year according to Sacco’s performance.

  • What do I benefit from being a member of the Sacco? Save and access affordable loans at only 1% p.m., negotiated discounts through our vendors, Projects by the Sacco, affordable mortgage interest rates among many other benefits
  • What is the interest earned from Junior savings? 5% p.a on amount above Kes.10,000
  • What is the interest earned from Jazajaza savings? 4.5% p.a withdrawal is only Bi-Annually
  • How long is the loan processing process? This varies on the type of loan a member is borrowing: The processing period for a long term loan is within 5 working days while that of short term loan is within 24hrs
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