Capital Sacco Branches and Contacts 2026: Phone Numbers, Paybill and Hours

Updated 1 November 2026

Capital Sacco branches: the Sacco lists 14 offices on its website, the head office in Meru town and branches at Gatimbi, Kinoro, Githongo, Kionyo, Mitunguu, Chaaria, Nairobi, Kanyakine, Nkubu, Kiangua, Timau, Kibirichia and Igoji. The head office is at MACCU Building, Kenyatta Highway, Meru, and the main Capital Sacco contacts are 0708 843 287 and 0708 843 288 or info@capitalsacco.co.ke. Deposit through M-Pesa paybill 520100 and withdraw on *346#.

Capital Sacco Society Ltd is a deposit-taking Sacco licensed by the Sacco Societies Regulatory Authority (SASRA) for 2026. It started in 1972 as a section of the Meru Farmers’ Co-operative Union, serving members of dairy and coffee societies. It split from the union in 2005 as Meru Farmers Sacco and rebranded to Capital Sacco in 2012 to take in business people, salaried workers, institutions, young people and children from across the country.

Capital Sacco branches and phone numbers

These are the Capital Sacco branches and phone numbers the Sacco publishes on its website. Most Capital Sacco branches are in Meru County, with one branch in Nairobi. The Sacco does not publish street addresses for its branches, so call the branch before you travel.

We took this list of Capital Sacco branches, phone numbers and business hours from the Capital Sacco website as it was published in December 2025; the site showed a maintenance page when we checked on 1 November 2026. SASRA’s list of licensed deposit-taking Saccos for 2026 confirms the head office at Maccu Building, Kenyatta Highway, Meru.

Capital Sacco branches opening hours

All Capital Sacco branches open Monday to Friday from 8am to 4pm and on Saturday from 8am to 12 noon. Branches do not open on Sunday. For anything that needs documents, such as a loan application or opening an account, go on a weekday morning so the branch has time to process it the same day.

How to pay and withdraw with M-Pesa

Deposit with paybill 520100

1. Go to the M-Pesa menu and select Lipa na M-Pesa, then Paybill.
2. Enter business number 520100.
3. Enter your Capital Sacco account number as the account number.
4. Enter the amount and your M-Pesa PIN, then confirm.

You get an SMS confirming the deposit. If it does not show on your account, call your branch with the M-Pesa transaction code.

Withdraw to M-Pesa with *346#

1. Dial *346# from the phone number registered with the Sacco.
2. Choose the account you want to withdraw from.
3. Enter the amount and your PIN.

The money is sent to your M-Pesa account. Check what M-Pesa will charge you to send it on with our M-Pesa charges calculator.

How to join Capital Sacco

Membership is open to individuals aged 18 and above and to organisations. To join:

1. Fill in the membership application form at any branch.
2. Pay the registration fee of KSh 200.
3. Buy at least 30 shares at KSh 100 each, which is KSh 3,000.
4. Keep adding to your shares and deposits, because these decide how much you can borrow.

Before you join any Sacco, confirm it is licensed using the SASRA licensed Saccos list or our guide on how to check if a Sacco is licensed.

Capital Sacco accounts, loans and services

Capital Sacco’s website lists these products. Ask a branch for the current rates and terms, because the Sacco does not publish loan rates online.

• Accounts: Ordinary, Current, Share Deposit, Group, Junior, Vijana and Bidii accounts.
• Farm loans: Tea Bonus Plus, Tea Bonus Plus Classic, Tea Welfare, Tea Picking Advance, Coffee Development, Coffee Advance, Dairy Welfare, Maziwa Pesa daily advances and Kilimo Tosha.
• Business loans: Development, Micro-Credit, Business Advance and Bodaboda loans.
• Other loans: salary loans and institutional loans.
• Services: mobile banking, agency banking, VISA-branded ATM cards, salary and pension processing, standing orders, cheque books and safeguarding.

To estimate repayments before you apply, use our Capital Sacco loan calculator. If you are weighing a Sacco loan against a bank loan, read bank vs Sacco loans in Kenya, and see the best Saccos in Kenya for other options. You can also estimate your yearly payout with the Sacco dividend calculator.

Related guides

Frequently asked questions

Where are Capital Sacco branches?

Most Capital Sacco branches are in Meru County, around Meru town, Nkubu, Timau, Kibirichia and Igoji, and there is one branch in Nairobi (0729 267 393).

How many branches does Capital Sacco have?

Capital Sacco’s website lists 14 offices: the Meru head office and branches at Gatimbi, Kinoro, Githongo, Kionyo, Mitunguu, Chaaria, Nairobi, Kanyakine, Nkubu, Kiangua, Timau, Kibirichia and Igoji.

What is the Capital Sacco paybill number?

The M-Pesa paybill is 520100. Enter your Capital Sacco account number as the account number.

What is the Capital Sacco customer care number?

Call the head office on 0708 843 287 or 0708 843 288, or email info@capitalsacco.co.ke. The Nairobi branch number is 0729 267 393.

Where is Capital Sacco head office?

At MACCU Building, Kenyatta Highway, Meru town. The postal address is P.O. Box 1479-60200, Meru.

Is Capital Sacco licensed by SASRA?

Yes. Capital Sacco Society Ltd is on SASRA’s list of Saccos licensed to take deposits for 2026.

Last checked 1 November 2026 against Capital Sacco’s published branch list and SASRA’s 2026 licensed Sacco list. Branch numbers can change, so confirm before you travel or pay.