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Chai Sacco Services

Chai Sacco has been empowering our members economically, socially, and financially since 1973 through the provision of financial services tailored to meet the need of all members. The Sacco has continued to embrace the use of technology for efficient service delivery.Click Here

Savings Accounts

Savings Account makes it easy for members to save and access the savings at any time as the need may arise.  

  • Minimum monthly savings of Ksh. 500
  • Minimum account balance of Ksh. 500
  • Minimum balance to earn interest is Ksh. 3,000
  • No ledger fees charged on the account
  • Can be accessed through Mobile banking (M-Chai), over the counter and ATM card
  • Cash withdrawal can be done at anytime
  • Used for Salary Processing.

Chai Angel Junior Account

Chai Angel Junior Account has been designed for members’ children below the age of 18 years for the safe keeping

  • Minimum monthly saving is Ksh. 500.
  • Minimum account balance is Ksh. 500
  • Maximum three withdrawals per year
  • 25% discount on bankers’ cheque
  • The account is operated by the guardian
  • Interest paid at 2% above the interest paid on savings.
  • No ledger fees charged on the account.
  • Children given piggy banks for home savings and branded T-shirts.

Chaifama Loan

Chaifama loan serves the growing demand for affordable and more competitive loan product for the tea farmers



  • Interest rate is 13% pm on a reducing balance.
  • Maximum Loan repayments period is 60 months.
  • Chai fama Loan multiplier is 30 times or 90% of the previous years’ Bonus rate (whichever is lower) multiplied by the cumulative kgs for the last 12 months, then multiplied by the number of years the member has applied for the loan. Maximum period will be 5 years..
  • Immediate loan buys off from other financial institutions.
  • No loan buys off charges from other financial institutions


  • Quick processing and approval.
  • Immediate Loan buy off.
  • Flexible repayment period.

Investment Loan

The Investment Loan offers members a facility to finance the purchase of plots and property being sold by Chai Diamond

  • Maximum repayment period of 72 months
  • Interest rate of 1% p.m. reducing balance
  • Maximum loan of up to 4 times member deposits and must not exceed the value of the property being bought
  • Member can qualify for another investment loan on clearance arrangement within the security earlier provided.
  • Loan secured with deposits and purchased land/property

Whatsapp Chat

CHAI HOUSE Koinange street opposite city Market. Ground and Mezzanine floor0709808000/0709808100info@ chai-sacco.co.keMembership Application

Contact Us

CHAI HOUSE Koinange street opposite city Market. Ground and Mezzanine floor
P.O. Box 278-00200 City Square
Nairobi Kenya
Mobile: 0709808000/0709808100
We have a friendly team and a listening ear to fully meet your needs. Keep in touch with us online on the platforms below.



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