Membership

Individual Membership

How To Join

  • Obtain Membership Application Form: Here or pick one up at any of our branches.
  • Complete the Form: Fill in all required personal and contact details accurately.
  • Attach Required Documents: This typically includes a copy of your National ID/Passport, a recent passport-sized photo, and any other documents specified on the form (e.g., KRA PIN certificate).
  • Pay Registration Fee of Ksh. 1,000 and Minimum Share Capital Ksh. 15,000 ( can be contributed one time or in instalments: the minimum required share capital as per Sacco guidelines.
  • Submit Application: Hand in your complete application form and documents at the Haco Sacco office or submit online through our secure portal.

Membership Benefits

Competitive interest rates and flexible repayment terms for various loan products (development, emergency, business, etc.).

Earn competitive dividends on your deposits and shares.

Manage your account 24/7 through our Mobi App and online member portal.

Benefit from workshops and resources designed to enhance your financial literacy.

Your funds are safe with a SASRA-regulated Sacco committed to member-driven governance.

Be part of a cooperative that prioritizes the well-being and growth of its members.

Eligibility Criteria

To become a member of Haco Sacco, you generally need to meet the following criteria:

  • Be a Kenyan citizen aged 18 years and above.
  • Possess a valid National ID or Passport.
  • Have a KRA PIN certificate.
  • Agree to abide by Haco Sacco's by-laws and regulations.
  • Be able to make regular monthly contributions towards shares and savings.

Share Investment Opportunities

Investing in Haco Sacco shares is a smart way to grow your wealth and participate in the Sacco’s success. Your share capital is a foundational investment that strengthens the Sacco’s financial base, enabling us to offer more robust services and loans to members.

Earn Dividends

Share capital earns attractive annual dividends, providing a direct return on your investment.

Loan Multiplier

Your share capital often serves as a multiplier for loans you can access, increasing your borrowing power.

Ownership & Voice

As a shareholder, you become a co-owner of the Sacco, with voting rights at the Annual General Meeting (AGM), influencing the Sacco’s direction.

Secure Investment

Being a SASRA-regulated entity, Haco Sacco provides a secure and stable environment for your investment.

We encourage all members to grow their shareholding to maximize their benefits andcontribute to the collective strength of Haco Sacco.