Kenya Highlands Sacco has grown into one of the largest rural deposit-taking cooperatives in the country. Registered on 8 August 1991 under the Ministry of Co-operative Development and Marketing, Kenya Highlands Sacco anchors its operations in Kapsoit Market along the Kericho-Kisumu highway.
Kenya Highlands Sacco primarily serves tea growers in Kericho County and parts of Nakuru County. With more than 70,000 members and savings accounts, the SACCO reflects the strength of agricultural cooperatives in Kenya’s tea belt. Licensed by SASRA as a deposit-taking institution, it operates under a regulated financial framework.
Kenya Highlands Sacco Background and Growth
Kenya Highlands Sacco launched its Front Office Service Activity in September 1997. That move marked a shift from traditional back-office savings to quasi-banking services.
The SACCO’s membership potential stands at approximately 90,000 tea growers. This large base links the society directly to Kenya’s export-driven tea sector, which remains a key foreign exchange earner.
Agriculture-based SACCOs play a critical role in stabilizing farmer income. By pooling savings and offering advances, they help cushion members against seasonal price volatility.
Kenya Highlands Sacco Branch Network
Kenya Highlands Sacco operates multiple branches within Kericho County and surrounding areas.
Kapsoit Head Office
P.O. Box 2085
Kericho
Tel: 0777773980 / 0719471633
Email: [email protected]
Website: kenyahighlandsacco.co.ke
Kabianga Branch
Tel: 0773773977 / 0719471633
Email: [email protected]
Kericho Branch
Tel: 0773773978 / 0719471633
Email: [email protected]
Litein Branch
Tel: 0773773979 / 0719471633
Email: [email protected]
Silibwet Branch
The Silibwet service point strengthens outreach in rural tea zones.
This branch distribution ensures proximity to farmers who may not have easy access to commercial banks.
Kenya Highlands Sacco Mobile Banking
Kenya Highlands Sacco offers mobile banking through USSD code *879#.
By dialing *879#, members can:
• Access account balances
• Withdraw funds
• Borrow short-term advances
• Conduct basic financial transactions
Mobile banking reduces travel costs for rural members. Moreover, it improves transaction speed during peak tea payment seasons.
Kenya Highlands Sacco USSD Code
The official Kenya Highlands Sacco USSD Code is *879#.
This platform enhances financial inclusion by allowing members to transact from any location.
Kenya Highlands Sacco Loans
Kenya Highlands Sacco provides loan facilities tailored to both salaried and agricultural members.
Loan products include:
• Salary Advance
• Special Salary Advance
• Farm Produce Advance
• Salary Loan
• Normal Salary Loan
Farm Produce Advances support tea growers before factory payments are processed. This product addresses seasonal cash flow gaps common in agricultural economies.
Salary-based loans, on the other hand, support members employed in formal sectors within the region.
Kenya Highlands Sacco Paybill and Digital Services
While the SACCO primarily uses USSD for mobile banking, members can also remit share contributions and loan repayments using designated paybill services where applicable.
Digital channels strengthen liquidity management and member convenience.
As rural digitization accelerates across Africa, agricultural SACCOs that adopt mobile solutions gain operational resilience.
Kenya Highlands Sacco in Kenya’s Agricultural Economy
Tea remains one of Kenya’s largest export commodities. Consequently, financial stability among tea growers affects local economies in Kericho and neighboring counties.
Kenya Highlands Sacco acts as a financial buffer for this community. By mobilizing savings and offering credit, it stabilizes household incomes during market fluctuations.
Historically, agricultural cooperatives drove rural economic development. Today, deposit-taking SACCOs like Kenya Highlands Sacco blend traditional cooperative models with regulated financial services.
Regulatory Oversight
As a deposit-taking SACCO, Kenya Highlands Sacco operates under SASRA supervision. Regulatory compliance ensures liquidity, governance and capital adequacy standards.
Why This Matters
Rural financial institutions directly influence economic stability in farming communities. Affordable advances help farmers manage school fees, input costs and household expenses.
Kenya Highlands Sacco’s scale demonstrates how agricultural cooperatives remain central to Kenya’s economic structure.
What Happens Next
Kenya Highlands Sacco may expand digital services and strengthen branch outreach to meet growing membership demand. Additionally, diversification of loan products could support emerging agribusiness ventures.
Members should review loan terms, savings requirements and mobile access options before making financial decisions.
