Chai Sacco has evolved into a key financial pillar for Kenya’s tea sector and related industries. As a deposit-taking SACCO licensed by the Sacco Societies Regulatory Authority, Chai Sacco operates under strict regulatory oversight while remaining member-owned.
Incorporated under the Cooperative Societies Act (Cap 490), Chai Sacco mobilizes member savings and extends affordable credit. Over time, it has expanded its footprint across tea-growing regions and major urban centers, reinforcing its position in Kenya’s cooperative finance landscape.
Chai Sacco Loans
Chai Sacco offers a broad range of loan products designed to meet diverse member needs. Because many members operate within the agricultural value chain, several products align with seasonal income patterns.
Available loan products include:
- Development Loan
- Emergency Loan
- School Fees Loan
- Product Loan
- Super Loan
- College/University Loan
- Jeki Loan
- Vision Loan
- Salary Advance
- FOSA Loan
- Golden Loan
- Group Loan
- Chai Okoa
- Kilimo Advance
These products support investment, education financing, agribusiness activities and emergency needs. As a result, members can stabilize cash flow and pursue long-term development goals.
Chai Sacco Members Portal – Internet Banking
Chai Sacco provides internet banking through its members portal.
Portal Link:
https://portal.chai-sacco.co.ke/chaisaccomember/
Through this platform, members can monitor accounts, review transactions and access financial services remotely. Digital banking strengthens efficiency and transparency across the Sacco network.
Chai Sacco Branches
Chai Sacco operates branches in key regions linked to tea farming and urban commerce.
Branches include:
- Nairobi Branch
- Litein Branch
- Kisii Branch
- Mombasa Branch
- Nkubu Branch
Nairobi Branch
KTDA Plaza, Ground Floor
Tom Mboya Street
Tel: 0709808000
Litein Branch
Next to Bureti Book Center
Tel: 0709808158
Kisii Branch
Mocha Place, 1st Floor
Opposite Tuskys Echiro Supermarket
Kisii–Kisumu Highway
Tel: 0709808180
Mombasa Branch
MKU Plaza, Ground Floor
Nkrumah Road
Tel: 0709808165
Nkubu Branch
Next to Equity Bank
Tel: 0709808182
This branch network ensures proximity to members in tea-growing counties and commercial hubs.
Chai Sacco Membership Benefits
Members enjoy several benefits under the cooperative model.
Key benefits include:
- Quick access to affordable credit
- High dividend earnings on share capital
- Competitive rebates on member deposits
- Attractive savings interest rates
- Deposit refunded twice (x2) to nominee in case of death or permanent disability
These benefits strengthen financial security and long-term planning for members and their families.
Chai Sacco Mobile Banking
Chai Sacco offers mobile banking that enables members to transact anytime and anywhere. Mobile services allow deposits, transfers and loan-related transactions without physical branch visits.
As digital finance expands across Kenya, mobile access enhances convenience for members in rural and urban locations alike.
Chai Sacco Contacts
Head Office
KTDA Plaza, 4th Floor, Moi Avenue
P.O. Box 278-00200 City Square
Nairobi, Kenya
Phone: +254 20 2214406/10
Mobile: 0733 330045 / 0701 314410
Fax: +254 20 2214410
Email: [email protected]
Chai Sacco in Kenya’s Cooperative Economy
Kenya’s tea industry contributes significantly to foreign exchange earnings. Financial cooperatives such as Chai Sacco support this sector by providing credit aligned with agricultural cycles.
Because tea farmers face fluctuating payouts, structured advances such as Kilimo Advance and Chai Okoa help stabilize operations. Additionally, deposit-taking status under SASRA regulation enhances member confidence.
Why This Matters
Affordable credit and disciplined savings systems strengthen agricultural productivity and household welfare. Chai Sacco provides financial tools that directly impact rural economies.
Moreover, digital banking platforms improve access for members in tea-growing counties.
What Happens Next
As fintech adoption accelerates, Chai Sacco will likely expand digital features and improve integration between mobile banking and internet portals. Regulatory compliance and liquidity management will remain critical priorities.
If it continues adapting to member needs and sector dynamics, Chai Sacco will remain a central financial partner within Kenya’s tea value chain.
