Building Financial Freedom Together

Join thousands of members who trust Ngao Yetu Sacco for savings, loans, and financial growth

Become a Member Our Services

5,000+

Active Members

ksh89M+

Member Savings

KSh 510M+

Loans Disbursed

7.5%

Annual Dividend

Why Choose Ngao Yetu Sacco

Experience the Ngao Yetu Sacco difference

Secure & Trusted

Your savings are fully secured with comprehensive insurance coverage and strict regulatory compliance. We maintain the highest standards of financial security.

Competitive Returns

Enjoy attractive dividend rates of up to 12% annually on your savings, significantly higher than traditional banks. Your money works harder for you.

Member-Focused

As a member-owned cooperative, your interests come first. Every decision is made with members' welfare in mind, not profit maximization.

Quick Approvals

Get your loan approved within 48 hours with minimal paperwork. We understand that financial needs are often urgent and time-sensitive.

Digital Banking

Access your account 24/7 through our mobile app and online portal. Check balances, apply for loans, and make transactions from anywhere.

Community Impact

Your participation supports local community development projects and empowers fellow members through collective economic growth.

About Ngao Yetu Sacco

Your trusted financial cooperative since 2009

Who We Are

NGAO YETU SACCO LTD was started in January 2009 by P.C.E.A Mt. Kenya Region Woman’s Guild Committee and registered by the Commissioner for Co-operatives Development on 17/4/2009.

The Regional Committee comprised of Representatives from the Ten Presbyteries which form the Mt. Kenya Region. Namely: - Nyeri, Nyeri Hill, Kieni West, Nanyuki, Kiganjo, Tumutumu, Kirimara West, Kirimara East, Mukurweini and Othaya.

Its primary objective is to mobilize the church women to be able to save and obtain credit in order to financially and socially empower themselves as well as create employment for their children.

Our Mission

Mobilization and prudent management of deposits and other resources for timely provision of produts and services tp our members

Our Vision

To raise the social-economic status of our members through provision of affordable and reliable financial services

Core Values

  • Integrity
  • Teamwork
  • Professionalism
  • Mutual Responsibility
  • Accountability
  • Availability
Member-owned and operated
Competitive interest rates
Transparent operations
Community focused

Our Services

Comprehensive financial solutions for all your needs

Savings Accounts

Build your future with our flexible savings plans. Earn competitive dividends and enjoy easy access to your funds.

  • Wallet Account
  • Share Capital
  • Share Deposits
  • Guild Account
  • Term Deposits
  • Fixed Deposit Account

Loan Products

Affordable loans with flexible repayment terms to meet your personal and business needs.

  • Emergency Loans
  • Development Loans
  • Education Loans
  • Jiweza Business Loans
  • Jiendeleze Kilimo Loans
  • Smart Woman Loans
  • Refinancing Loans

Standing Orders

Automatic monthly contributions from your salary or bank account for convenient savings.

  • Bank Standing Orders
  • Mobile Money Integration
  • Automated Transfers

Financial Education

Empowering members with knowledge for better financial decisions and wealth creation.

  • Budget Planning Workshops
  • Investment Seminars
  • Business Training
  • Youth Programs

Payment Methods & Mobile Banking

Pay your contributions easily and access mobile loans in minutes

Mobile Banking Short Code

Dial *882*96# to access Ngao Yetu Sacco mobile banking.

  • Check balances and statements
  • Make deposits and repayments
  • Apply for mobile loans
  • Update account details

How to Pay to the Sacco

  1. Open your mobile money app (e.g., M-Pesa).
  2. Select Lipa na M-Pesa → Pay Bill.
  3. Enter Business Number: 897650.
  4. Enter Account Number: Your Member Number.
  5. Enter the amount and your PIN to confirm.
  6. Save the confirmation SMS for your records.

Need help finding your member number? Visit any branch or call support.

Access Mobile Loans

  1. Dial *882*96# and select Loans.
  2. Choose Apply for Loan.
  3. Apply For Loan.
  4. Mobile Loans
  5. Enter Amount
  6. Confirm with your PIN.
  7. If Successful Loan amount is disbursed to your wallet Account.

Withdraw From Wallet Account

  1. Dial *882*96# and select Cash Withdrawal.
  2. Choose Withdraw to M-Pesa.
  3. Member Wallet
  4. Enter Amount
  5. Confirm with your PIN.
  6. Amount withdrawn is sent to your M-Pesa account.

Eligibility depends on your member status, deposits, and repayment history.

Bank Payment (Co-operative Bank)

  1. Visit any Co-operative Bank branch or use Co-op Mobile/Internet Banking.
  2. Select Pay Bill or Account Transfer.
  3. Bank Name: Co-operative Bank.
  4. Account Name: Ngao Yetu Sacco.
  5. Account Number: 01100379162800.
  6. Narration 1: Member No.
  7. Enter amount and confirm the transaction.

Keep the transaction receipt or SMS for confirmation.

Become a Member

Join our growing family of satisfied members

Membership Requirements

Age Requirement

Must be 18 years or older

Identification

Valid government-issued ID (National ID, Passport)

Registration Fee

One-time non-refundable fee of ksh 550

Share Capital

Minimum initial deposit of ksh 1000 and you are expected to to have ksh 5000 to be a full member (non refundable upon exit but transferable)

Passport Photos

Two recent passport-sized photographs

Application Form

Completed membership application form with next of kin details

Member Benefits

Annual Dividends

Earn up to 7% annual dividends on your share capital

Low-Interest Loans

Access affordable loans at 10-12% interest rates

Voting Rights

Democratic participation in AGMs and decision-making

Free Training

Access to financial literacy and business training programs

Special Offers

Exclusive discounts from partner businesses and institutions

Start Your Application

Processing takes 3-5 business days

Smart Loan Calculator

Calculate your monthly loan repayments and see detailed breakdown

KSh
Enter any loan amount in KSh
%
Enter annual interest rate percentage
months
Enter loan period in months
Reducing balance calculates on remaining amount, Straight line on original amount
KSh
Optional: Enter any extra payment amount

Loan Summary

Monthly Payment KSh 0.00
Total Interest KSh 0.00
Total Payment KSh 0.00

Payment Breakdown

Principal 0%
Interest 0%

Amortization Schedule

See how your payments are distributed over time

What Our Members Say

Real stories from our valued members

Member

Jane Wairimu

Business Owner

Member since 2018

"Ngao Yetu Sacco helped me start my business with a development loan at a very fair interest rate. The application process was smooth, and I received the funds within a week. My business is now thriving!"

Top Rated
Member

Mary Wanja

Teacher

Member since 2019

"I've been saving with Ngao Yetu Sacco for 5 years. The 12% annual dividend is unbeatable! The staff is friendly, and I can access my account online anytime. Best financial decision I ever made."

Member

Emily Mumbi

Nurse

Member since 2020

"The emergency loan feature saved me when I had an unexpected medical bill. I got approved in 24 hours with minimal paperwork. Ngao Yetu Sacco truly cares about its members."

Frequently Asked Questions

Find answers to common questions about our services

How long does it take to become a member?

Once you submit your complete application with all required documents, processing takes 3-5 business days. You'll receive a confirmation email and your member number upon approval.

What types of loans can I access?

We offer Emergency Loans (up to ksh 50,000), Development Loans (up to ksh 1000,000), School Fees Loans, Business Loans and Farming Loans. Loan limits depend on your savings and guarantee availability.

How are dividends calculated and paid?

Dividends are calculated based on your share deposits and the Sacco's annual performance. They're declared at the Annual General Meeting and credited to your account annually, typically in January.

Can I withdraw my ordinary savings anytime?

Regular savings can be withdrawn with a 30-day notice. Share deposits can be withdrawn upon exit from the Sacco. Fixed deposits have specific maturity dates as agreed upon opening.

Is my money safe with Ngao Yetu Sacco?

Absolutely! We're registered and regulated by the national Sacco regulatory authority. All savings are insured, and we maintain strict financial controls and regular audits.

How much can I borrow?

Generally, you can borrow up to 3 times your share depoits. For larger amounts, you may need guarantors who are also members. New members can access emergency loans after 3 months.

Do you have a mobile app?

Yes! Our Ngao Yetu Sacco mobile app is available on iOS and Android. You can check balances, apply for loans, view statements, and make deposits via mobile money integration.

What happens to my savings if I leave employment?

Your savings remain intact. You can continue contributing through bank standing orders or mobile money. You can also maintain your membership without active contributions.

Meet Our Leadership Team

Experienced professionals dedicated to your financial success

Board Members

Milcah Mwaniki

Milcah Mwaniki

Chairperson
Anne Mario

Anne Mario

Treasurer
Grace Mugi

Grace Mugi

Secretary
Teresa Magutu

Teresa Magutu

Supervisory Chair

Staff

Phillis Munuhe

Phillis Munuhe

Assistant Manager, Credit Manager
Margaret Kariuki

Margaret Kariuki

Assistant Manager, Finance, Operations
Winnie Ngambi

Winnie Ngambi

Customer Service
Emily Muriithi

Emily Muriithi

Sales Manager

Our Branches

Visit us at any of our conveniently located branches

Nanyuki Branch

Nanyuki Town, Laikipia County
Maisha Building behind Chieni Supermarket

+254 758 563477

nanyuki@ngaoyetusacco.co.ke

Mon - Fri: 8:30 AM - 4:30 PM
Sat: 8:30 AM - 12:00 PM

Contact Branch

Karatina Branch

Karatina Town, Nyeri County
Cedar Plaza Second Floor

+254 748 102 134

karatina@ngaoyetusacco.co.ke

Mon - Fri: 8:30 AM - 4:30 PM
Sat: 8:30 AM - 12:00 PM

Contact Branch

Downloads & Resources

Access important forms and documents for your convenience

Loan Application Form

Download and fill out our loan application form to apply for any of our loan products.

PDF 245 KB
Download Form

Member Application Form

Start your journey with Ngao Yetu Sacco by downloading our membership registration form.

PDF 198 KB
Download Form

Mobile Banking Form

Register for our mobile banking services and manage your account on the go.

PDF 156 KB
Download Form

Financial Statements

View our annual financial statements and reports to see our performance and stability.

PDF 1.2 MB
Download Report

Latest News & Updates

Stay informed about Ngao Yetu Sacco developments

New Products Feb 1, 2026
Products

Launch of New Products

We are excited to announce the launch of new savings and loan products tailored to meet your financial needs. Explore our latest offerings and grow with Ngao Yetu Sacco!

Read More
Improved Services Jan 28, 2026
Services

New Improved Services

Enjoy our new and improved services including faster approvals, enhanced digital banking, and personalized member support. Experience the Ngao Yetu difference today!

Read More
Flexible Loans and Payments Jan 20, 2026
Loans

Flexible Loans & Payments

Access flexible loan options and convenient payment plans designed for every member. Apply now and benefit from our competitive rates and easy repayment terms.

Read More

Get In Touch

We're here to help you achieve your financial goals

Let's Start a Conversation

Have questions about our services? Ready to become a member? Our dedicated team is here to assist you every step of the way.

Visit Our Office

Nyeri Town
Upper Town opposite CFAO Motors next to Wanachi Sacco, Nyeri

Call Us

+254703754156
+254728590696
+254750754156

Email Us

info@ngaoyetusacco.co.ke
support@ngaoyetusacco.co.ke

Business Hours

Mon - Fri: 8:30 AM - 4:30 PM
Sat: 8:30 AM - 12:00 PM

Send Us a Message

Fill out the form below and we'll get back to you within 24 hours