Updated 21 October 2026
Quick answer: GDC Sacco Society Limited has its head office at GDC Sacco Plaza, Market Street, Githunguri Town (P.O. Box 896-00216, Githunguri), with the main line 020 2015366, mobile 0723 400 611 and email info@gdcsacco.co.ke. Deposits go to M-Pesa paybill 639498, and mobile banking is on *645# or the GDC Sacco app. It lists 11 offices: the head office plus branches in Limuru, Githiga, Kigumo, Ikinu, Kwamaiko, Maai Mahiu, Kibichoi, Ruiru, Witeithie and Nairobi.
All details below are from GDC Sacco’s own website, gdcsacco.co.ke, checked in October 2026. Last verified Oct 2026.
GDC Sacco Contacts at a Glance
| What you need | Contact |
|---|---|
| Head office phone | 020 2015366 |
| Mobile line | 0723 400 611 |
| WhatsApp and SMS (website chat button) | 0143 134 067 |
| General email | info@gdcsacco.co.ke |
| Member services | memberservice@gdcsacco.co.ke |
| Diaspora members | diaspora@gdcsacco.co.ke |
| M-Pesa paybill | 639498 |
| Mobile banking | *645# or the GDC Sacco app |
| Postal address | P.O. Box 896-00216, Githunguri |
All GDC Sacco Branches
| Branch | Location | Phone | |
|---|---|---|---|
| Head office, Githunguri | GDC Sacco Plaza, Ground Floor, Market Street, Githunguri Town | 020 2015366 | info@gdcsacco.co.ke |
| Limuru | Limuru Town, opposite the main stage, next to Khetia’s Supermarket | 0758 536 324 | limuru@gdcsacco.co.ke |
| Githiga | Githiga, next to the market | 0143 134 067 | githiga@gdcsacco.co.ke |
| Kigumo | Kigumo-Gathungu Road, opposite ComeJuu Academy | 0113 558 876 | kigumo@gdcsacco.co.ke |
| Ikinu | Ikinu, next to the National Oil petrol station | 0701 525 837 | ikinu@gdcsacco.co.ke |
| Kwamaiko | Kwamaiko Town, along Ruiru-Githunguri Road | 0704 401 338 | kwamaiko@gdcsacco.co.ke |
| Maai Mahiu | Maai Mahiu Town, Market Street | 0795 615 350 | maaimahiu@gdcsacco.co.ke |
| Kibichoi | Kibichoi Town, next to Bruju petrol station | 0111 618 737 | kibichoi@gdcsacco.co.ke |
| Ruiru | Ruiru Town, opposite Doctors Plaza | 0114 745 371 | ruiru@gdcsacco.co.ke |
| Witeithie | Witeithie, near Royal High Priest Assembly | 0768 096 554 | witeithie@gdcsacco.co.ke |
| Nairobi | Urbane Plaza, Mezzanine Floor, OTC (Kaka stage), next to St Peter Claver’s Catholic Church | 0768 096 823 | nairobi@gdcsacco.co.ke |
Source: GDC Sacco branch network page, October 2026. Opening hours are not published on the branch list, so call the branch before you visit. Most branches are in Kiambu County, with others at Kigumo in Murang’a, Maai Mahiu and Nairobi’s OTC area.
How to Pay GDC Sacco Through M-Pesa
- Open M-Pesa, choose Lipa na M-Pesa, then Pay Bill.
- Enter business number 639498.
- Enter the account number your branch gave you for the deposit, shares or loan you are paying. GDC Sacco does not publish the account number format on its website, so confirm it with member services the first time.
- Enter the amount and your PIN, and keep the confirmation SMS.
GDC Sacco’s website says members can contribute by monthly standing order, cash or the paybill, and calls 639498 its official paybill. Our guide to paying a paybill covers common mistakes.
Mobile Banking on *645#
GDC Sacco says you can dial *645# or use its app for cash withdrawal, cash deposit, transfers to a bank, borrowing a Bonyeza loan, a mini statement and balance enquiries. Its mobile banking page adds share and loan balance checks and paying utility bills. The app is on Google Play and the App Store.
Membership Fees and Share Capital
Membership is open to Kenyan citizens living in Kenya and abroad. GDC Sacco publishes these figures:
| Category | Registration (KSh) | Share capital (KSh) | Minimum monthly savings (KSh) |
|---|---|---|---|
| Imara (employees on check-off) | 500 | 25,000 | 1,000 |
| Meridian (individual employees) | 500 | 25,000 | 1,000 |
| Business persons | 500 | 25,000 | 1,000 |
| Group | 500 | 25,000 | 1,000 |
| Diaspora | 500 | 25,000 | 1,000 |
| Corporate | 500 | 50,000 | 1,000 |
The same page also says a member must pay a minimum share capital of KSh 5,000 before being eligible for any credit facility. The two figures are both published, so ask your branch which applies to you and over what period the full share capital must be paid. Lump-sum deposits must stay in the Sacco for at least six months before you can use them to qualify for a loan.
GDC Sacco Loans: Rates and Limits
| Loan | Limit | Repayment | Interest (as published) |
|---|---|---|---|
| Development loan | 3 times deposits (deposits below KSh 500,000) | 36 months below KSh 500,000; 60 months at KSh 500,000 and above | 13% a year, reducing balance |
| Supersaver loan | 4 times deposits (deposits above KSh 500,000) | Up to 60 months | 13% a year, reducing balance |
| Premier loan | 5 times deposits (deposits over KSh 1 million; KSh 10,000 minimum monthly deposit) | Up to 60 months | 13% a year, reducing balance |
| Daraja loan (education) | Not stated | Up to 60 months | 13% a year, reducing balance |
| Emergency loan | Not clearly stated | Up to 12 months | 13% a year, reducing balance |
| Imarisha business loan (SME) | Deposits of at least 25% of the loan | Up to 12 months | 10% flat |
| Business overdraft | Up to KSh 500,000, within two-thirds of 3 months’ proceeds | Up to 6 months | 2.5% a month |
| Mazao and Ng’ombe dairy loans | KSh 500,000 unsecured; KSh 3 million secured | 18 months unsecured; 24 months secured | Not stated |
For all short-term loans, GDC Sacco says you must have saved consistently for at least six months, be fully paid up on share capital and show the ability to repay. Note that a 10% flat rate costs more than 10% on a reducing balance, because the interest is worked out on the full loan for the whole period. Compare offers with our guide to bank vs Sacco loans.
Is GDC Sacco Licensed?
GDC Sacco Society Ltd appears on our SASRA licensed Saccos list, which is built from the Sacco Societies Regulatory Authority (SASRA) list of deposit-taking Saccos. You can check whether a Sacco is licensed by SASRA yourself in a minute. Estimate what your deposits and shares could earn with our Sacco dividend calculator.
Fastest Way to Reach GDC Sacco
- For balances and statements, use *645# or the app first.
- For a payment that has not reflected, email memberservice@gdcsacco.co.ke with the M-Pesa code, amount and date.
- For loan applications and guarantor issues, call or visit your own branch using the table above.
- For members abroad, write to diaspora@gdcsacco.co.ke.
For other Saccos in the region, see our pages on K-Unity Sacco branches and Hazina Sacco branches. Jobs in Kiambu and Nairobi are posted on JobinKenya.
Frequently Asked Questions
What is the GDC Sacco paybill number?
639498.
What is the GDC Sacco USSD code?
*645#. You can also use the GDC Sacco app.
Where is GDC Sacco’s head office?
GDC Sacco Plaza, Ground Floor, Market Street, Githunguri Town.
Does GDC Sacco have a branch in Nairobi?
Yes. It is at Urbane Plaza, Mezzanine Floor, in the OTC area near Kaka stage, on 0768 096 823.
How much is GDC Sacco registration?
KSh 500, with KSh 1,000 minimum monthly savings for every category.
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