Tai Sacco has grown into a prominent cooperative serving members across Kiambu County and surrounding areas. Tai Sacco provides savings, loan and mobile banking services designed to meet the needs of individuals, groups and businesses.
Although detailed historical background varies, Tai Sacco reflects the broader evolution of Kenya’s cooperative movement. Many SACCOs began as community-based institutions and later expanded into structured financial organizations offering quasi-banking services.
Tai Sacco Branch Network
Tai Sacco operates several branches and satellite offices across Kiambu County:
• Githunguri Branch
• Kamwangi Branch
• Kigumo Branch
• Thika Branch
• Kimende Satellite Office
• Gatundu Branch
• Kagwe Branch
• Ruiru Branch
• Githurai Branch
This branch distribution strengthens accessibility for both rural and peri-urban members.
Tai Sacco Loans
Tai Sacco offers loan facilities structured around member savings and guarantor systems. SACCO loans typically support:
• Development financing
• Business expansion
• School fees
• Emergency funding
• Asset acquisition
Unlike short-term digital lenders, SACCO loans emphasize predictable repayment schedules and member-backed guarantees.
By supporting both individuals and organized groups, Tai Sacco contributes to grassroots economic growth.
Tai Sacco Mobile Banking
Tai Sacco integrates mobile banking to enhance convenience and reduce reliance on physical branches.
Members and non-members can deposit directly using M-PESA Paybill.
How to Deposit Using Tai Sacco Paybill
Ensure you have funds in your M-PESA wallet.
Go to M-PESA > Lipa na M-PESA > Paybill.
Enter Business Number 644700.
Enter your account number (Savings, Group, Loan or Shares account).
Enter the amount and confirm the transaction.
Mobile integration improves transaction speed and accessibility across Kiambu and neighboring regions.
Tai Sacco Paybill Number
Tai Sacco Paybill Number is 644700.
This paybill enables deposits into various Sacco accounts, including savings and loan repayments.
Tai Sacco USSD Code
Tai Sacco USSD Code is *645#.
The USSD platform allows members to:
• Check balances
• Transfer funds
• Access account services
• Conduct basic transactions
USSD services remain critical in areas where smartphone penetration varies.
Tai Sacco Contacts
Head Office
Tai Plaza
Behind Total Petrol Station
Githunguri Town, Kiambu County
P.O. Box 718 – 00216 Githunguri, Kenya
Tel: +254 739 333 634
020 2010334
020 2014150
Email: [email protected]
Selected Branch Contacts
Githunguri Branch
Tel: 020/2014150
Kamwangi Branch
Tel: 0736 916564
Kigumo Branch
Tel: 0773 721 037
Thika Branch
Marafique Building – Ground Floor
Opposite CFC Bank
Tel: 0705 947818
Gatundu Branch
Tel: 0736 916600
Kagwe Branch
Tel: 020/2604335
Ruiru Branch
Tel: 0725 992902
Githurai Branch
Along Mwihoko Road
Opposite Star Mart Supermarket
Tel: 0706 860096
Tai Sacco in Kenya’s Cooperative Landscape
Kiambu County has historically been a stronghold of cooperative societies, especially in coffee and dairy sectors. Financial SACCOs such as Tai Sacco emerged to support farmers and small enterprises.
As Kenya’s financial sector digitizes, SACCOs compete by improving mobile access and loan flexibility. Institutions that combine local trust with digital convenience remain competitive.
Why This Matters
SACCOs continue to anchor financial inclusion in peri-urban and rural counties. Tai Sacco provides structured savings and affordable credit to households and small businesses.
Cooperative finance remains central to grassroots economic resilience.
What Happens Next
Tai Sacco will likely expand digital services and refine product offerings to compete with fintech lenders and commercial banks.
Members should evaluate dividend performance, loan affordability and service efficiency when selecting cooperative services.
