The Kenya Police Sacco was established in 1972 as a deposit-taking institution (DT Sacco), starting with 690 members. It has since grown to include tens of thousands of members.

As the name suggests, is the Kenya Police Sacco membership only for law enforcement officers? Mainly, the Kenya Police Sacco provides sustainable financial services to its members, many of whom are from the Kenyan police forces.

It is a secure place for deposits and helps officers achieve their financial goals early, in line with the Sacco’s mission: “To provide competitive financial solutions to our members through effective mobilization and management of resources.”

However, the Kenya Police Sacco is not closed to the public. Any individual who is 18 years old or above and meets these stated qualifications can join the Kenya Police Sacco. They include:

1. Be in service or a retired member of any police wing in Kenya
2. Be a civil servant or employed in the private sector with a salary
3. Be a businessperson with a certified legal business
4. Be an employee of the Kenya Police Sacco Society
5. Be a permanent employee of Utumishi Investment Limited
6. A permanent employee of Ruaraka Housing Estate Limited
7. Be an employee of the civil service
8. Be an employee of corporate entities operating in Kenya
9. If you are a partner (husband or wife), or son/daughter of any of the above members, you should be qualified too.

How to join

If you qualify to join the Kenya Police Sacco, the next step is to apply. Download a membership application form online and visit the nearest Sacco office as detailed below. Here’s the process:

1. Visit the Police Sacco portal & download the membership application form/register your details here.
2. Fill out the form with details of your name, address, employment information and mode of remittance. This should be done in CAPITAL letters.
3. Attach two copies of your national ID (front and back) and two coloured size passport photographs.
4. Submit the documents at the nearest Kenya Police Sacco branch for verification

As a formality, members of the Kenya Police Sacco must make contributions that are equivalent to 12% of their basic salary. In return, they get access to instant loans, interest on deposits and high annual dividends.

How to access instant loans

As one of the major benefits of the Kenya Police Sacco, members also get financing for investments in various fields such as agriculture, business and real estate.

The more savings an individual has, the higher the loan limit. On the upside, savings can also act as an emergency fund. Here is the loan application process:

1. Fill out a loan application form available online
2. Have guarantors, who are active members of the Kenya Police Sacco. The number of guarantors required depends on the loan amount.
3. The loan application form must be verified and signed by any Kenya Police Sacco employee.
4. You need to submit two pay slips from the previous two months along with your original ID card.
5. Furthermore, securities for loans are compulsory.

Benefits of Kenya Police Sacco

1. The Sacco has had good integrity, consistency and growth being around since 1972.
2. Low interest rates on loans
3. High annual dividends and interest on deposits
4. Instant M-Tawi FOSA loans
5. Loan clearance on behalf of members
6. Affordable property with investment co-operative.

Kenya Police Sacco Address

HEADQUARTERS ‐ NAIROBI
Ngara Road, off Muranga Road, P.O. Box 51042 ‐ 00200, Nairobi
0709 825 000
Email Address: [email protected]

NAKURU BRANCH
SAILEE HSE on the GROUND FLOOR. Kenyatta Avenue
0709825600

MOMBASA BRANCH
Jubilee Arcade Moi Avenue near Pembe Za Ndovu
0709 825 505

ELDORET BRANCH
Zion Mall, Ground Floor, Eldoret – Uganda Road

0709 825 530

KAKAMEGA BRANCH
Daaron Foundation Trust building, Ground floor, Off Mumias Rd
0709825560

MERU BRANCH
Solco Plaza, Ground Floor, Moi Avenue
0709 825 590

NYERI BRANCH
Kasturi Plaza, 1st Floor, Kimathi Street
0709 825 570

KISII BRANCH
Mocha Place, 2nd Floor

0709 825 551