Complete List of Muki Sacco Branches in Kenya and Their Contacts

Updated 24 October 2026

Muki Sacco Society is one of the biggest community SACCOs in Nyandarua County. It was started by dairy farmers in North Kinangop, and today it runs both a BOSA (back office savings and credit) and a FOSA (front office) with branches across Nyandarua, Nakuru and Machakos counties. The society says it serves more than 50,000 members.

Below is the full list of Muki Sacco branches with their phone numbers and emails as published by the society, followed by how to join, its main loan products and how to deposit money using M-Pesa.

Muki Sacco head office

The head office is at the Ndunyu Njeru branch in North Kinangop, P.O. Box 398 North Kinangop. The official line is 140555999, the main mobile number is 0711 794 957 and the general email is info@mukisacco.co.ke. The society’s published opening hours are Monday to Friday, 8:30am to 4pm, and Saturday, 8:30am to 12 noon.

Full list of Muki Sacco branches and contacts

That makes ten branches. The society lists no email addresses for the Naivasha and Mlolongo branches, so use the phone numbers or the head office email for those. The society also runs agents where members can transact after normal banking hours and on public holidays.

A short history of Muki Sacco

According to the society, about 29 dairy farmers met at Kimwatu Farm on 29 June 1989 and agreed to form a SACCO. At the time they supplied milk to KCC, often lost milk because they had no ready market, and could not get credit from commercial banks. The society was incorporated on 29 February 1990. It started with a BOSA savings section and added a FOSA in 2000. Membership was first drawn only from dairy farmers, but the common bond was later opened to people in agribusiness, small businesses and other groups. Its motto is Pamoja Twajenga.

How to join Muki Sacco

The society lists these documents for opening an account:

• Original and copy of your national ID or passport
• A passport size photo, which is taken at the branch
• Your KRA PIN certificate

To become a full member you also buy share capital. Each Muki Sacco share is worth KSh 100, and the minimum shareholding is KSh 15,000, which the society says can be paid at once or gradually. On top of shares you build up monthly deposits, and those deposits are what your loan limit is based on.

If terms such as share capital, deposits, BOSA and FOSA are new to you, our glossary of SACCO terms for Kenyan savers explains each one in plain language.

Muki Sacco loan products

The society’s published loan limits are expressed as multiples of your member deposits:

The society also offers asset finance, boda boda loans and LPO financing, but it does not publish interest rates on its website, so ask your branch for the current rate and all fees before you sign. A quick way to compare offers is to work out the total you will repay over the full period, not just the monthly instalment.

How to deposit to Muki Sacco using M-Pesa

1. Go to the M-Pesa menu and select Lipa na M-Pesa.
2. Select Paybill.
3. Enter business number 469988.
4. Enter your national ID number as the account number.
5. Enter the amount and your M-Pesa PIN, then confirm.

The society says both members and non-members can deposit into an account through this paybill. Members can also dial *850# to check balances, move money between accounts, withdraw to M-Pesa, pay bills and apply for a mobile loan. The Muki Sacco mobile app on Google Play and internet banking offer the same services, plus PesaLink and airtime.

Savings accounts and the ATM card

Besides the ordinary transactional account, the society lists a Golden account, Super Savers, a Holiday account, a Muki Junior account for children and Inua Dada, a savings account for women members. Members can get a Visa branded Muki Sacco ATM card, which works at Co-op Bank ATMs, other Visa ATMs, Co-op Kwa Jirani agents and merchants for shopping and fuel.

Once you have been a member for a year or more, our SACCO dividend calculator shows roughly what your shares and deposits could earn at a given dividend rate. If you are thinking of starting a SACCO for your own group instead, see our guide on how to register a SACCO in Kenya.

Frequently asked questions

Where is Muki Sacco head office?

At the Ndunyu Njeru branch in North Kinangop, Nyandarua County, P.O. Box 398 North Kinangop. Call 140555999 or 0711 794 957.

What is the Muki Sacco paybill number?

Paybill 469988. Use your national ID number as the account number.

How much are Muki Sacco shares?

Each share is KSh 100 and the minimum shareholding is KSh 15,000, which can be built up gradually.

How many branches does Muki Sacco have?

Ten: Ndunyu Njeru, Engineer, Kwa Haraka, Geta, Murungaru, Ol Kalou, Miharati, Shamata, Naivasha and Mlolongo.

Sources: Muki Sacco Society official website (contact and branch network page, About Us, Channels, loan and savings product pages), accessed October 2026. Confirm current terms with your branch.