Unaitas SACCO: How To Join UNAITAS SACCO IN 2023

In this comprehensive guide, we will explore the different savings and investment options available through Unaitas SACCO and provide tips and strategies for maximizing your returns on these investments. Whether you are just starting to build your financial portfolio or are an experienced investor, this guide will provide valuable information and guidance on how to make the most of your savings and investments with Unaitas SACCO.

Jun 23, 2023 - 15:00
Jun 23, 2023 - 15:05
Unaitas SACCO: How To Join UNAITAS SACCO IN 2023
Unaitas SACCO: How To Join UNAITAS SACCO IN 2023

UNAITAS SACCO is a cooperative financial organization dedicated to helping its members achieve their financial goals and improve their economic well-being. Founded in Kenya in 1993, UNAITAS SACCO has grown to become one of the leading SACCOs in the country, with a wide range of financial products and services designed to meet the needs of its diverse membership.


 UNAITAS SACCO is a Savings and Credit Cooperative Society (SACCO). This means it is a financial institution owned and controlled by its members and customers. SACCOs were created as a way for people to pool their resources and access affordable financial services, particularly in areas where traditional banks may not have a presence.

UNAITAS SACCO is regulated by the Sacco Societies Regulatory Authority (SASRA), ensuring it operates safely and transparently. UNAITAS SACCO is also a member of the Kenya Union of Savings and Credit Cooperatives (KUSCCO), representing SACCO's interests at the national level.

 What Does UNAITAS SACCO Offer?

UNAITAS SACCO offers its members a wide range of financial products and services. These include:

  • Savings accounts: UNAITAS SACCO offers a variety of savings accounts, including regular savings accounts, targeted savings accounts, and fixed deposit accounts. Members can choose the version that best meets their savings goals and financial needs.
  • Loans: UNAITAS SACCO provides a range of loan products, including personal loans, group loans, and business loans. These loans help members achieve their financial goals, whether starting a business, expanding an existing business, or financing a major purchase.
  • Insurance: UNAITAS SACCO offers insurance products to its members, including life insurance, health insurance, and property insurance. These insurance products provide financial protection in unforeseen circumstances like illness, injury, or natural disasters.
  •  Mobile banking: UNAITAS SACCO offers a mobile banking platform that allows members to access their accounts, make transactions, and manage their finances from their mobile phones. This convenient service is available through the M-Pesa platform.


To join UNAITAS SACCO (Sacco is short for savings and credit cooperative society), you will need to follow these steps:

  •  Find out if you are eligible to join: UNAITAS SACCO has specific membership requirements you must meet. These requirements may include age, employment status, and residence.
  • Complete the membership application form: You must complete a membership application form to join UNAITAS SACCO. This form typically asks for personal information such as your name, contact details, and employment information.
  • Pay the membership fee: You will usually be required to pay a membership fee to join UNAITAS SACCO. The amount of this fee will vary depending on the specific SACCO you are entering.
  •  Attend a mandatory induction: Most SACCOs will require new members to attend an induction session, where they will learn about the SACCO's policies, procedures, and benefits.
  •  Start saving and borrowing: Once you have completed the membership process and attended the induction, you can start saving and borrowing from UNAITAS SACCO. You will typically be required to make regular contributions to your account to build up your savings and be eligible for loans.


There are many reasons to choose UNAITAS SACCO as your financial partner. Some of the benefits of being a member of UNAITAS SACCO include the following:

  • Affordable financial services: UNAITAS SACCO is committed to providing affordable financial services to its members. Its loan products are known for their competitive interest rates and flexible repayment terms.
  • Convenience: UNAITAS SACCO's mobile banking platform allows members to access their accounts and conduct financial transactions anywhere. This convenient service saves members time and effort and makes it easier to manage their finances.
  •  A sense of community: As a financial cooperative, UNAITAS SACCO is owned and controlled by its members. This means that the profits generated by the SACCO are reinvested back into the organization and used to benefit the members. Being a member of UNAITAS SACCO gives you a sense of ownership and belonging to a community of like-minded individuals working towards the same financial goals.


You can contact UNAITAS  using the following contact information:

  • Address: Cardinal Otunga Plaza, Cardinal Otunga Road, Nairobi
  • Phone: +254 721 244 139
  • Call Centre: +254 709 253 000
  • Email: [email protected]

Read Also: UNAITAS Sacco Branches In Kenya: A Complete Guide to Locations and Services


UNAITAS SACCO is a member-owned financial cooperative that provides members a range of financial services, including loans, savings, and insurance. By becoming a member of UNAITAS SACCO, you can take advantage of competitive interest rates on loans, a variety of savings options, and insurance coverage. The organization also plays an active role in the community, supporting various development initiatives and promoting financial literacy. 

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Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.