UN DT Sacco

What UN DT Sacco does

UN DT Sacco (United Nations Deposit Taking SACCO Society) is a Kenyan savings and credit cooperative founded in 1975 and licensed by the Sacco Societies Regulatory Authority (SASRA) to take deposits from its membership. It serves a charter-restricted constituency of United Nations agencies staff, diplomatic missions, and approved international organizations in Kenya (plus their immediate family members), operating from the UN Complex in Gigiri, Nairobi, with a fully owned headquarters, the UN SACCO Centre, acquired in 2022 and occupied in 2023. The cooperative has grown from 131 founding members and KES 290,000 in deposits to over 7,400 members and more than KES 14.6 billion in deposits.

Its product suite is structured around BOSA and FOSA accounts: BOSA products include Member Deposits, Dollar Savings, Junior Savings, and Fixed Deposit accounts, while FOSA products provide transactional banking (VISA debit card, banker's cheques, MSACCO mobile access). Loan products span 18 offerings including Development (11.5% p.a.), Normal (12%), Secured Asset (13.8%), Premier (15%), Rental Property, Plot Financing, Education, Emergency, Seniors', Loyalty, Instant, Settlement, Salary Personal, Quick Cash, Junior Education, and FOSA Loans, plus Insurance Premium Financing. The technology stack consists of an ERP system implemented in 2022, an Internet Banking portal, the QC Wallet mobile app, USSD code *882#, and integrations with M-Pesa (Paybill 528700) and Cooperative Bank's SACCO Link Visa debit card for global ATM access.

The cooperative earns revenue primarily through interest income on its loan book (rates of 11.5%–15% p.a. on reducing balance), supplemented by membership fees (KES 2,400 one-time), recurring monthly contributions (minimum KES 2,300 deposits plus KES 50,000 share capital), transaction and service fees (ATM withdrawals, bank transfers, account statements, safe custody), and dividends on share capital. Distribution combines physical branches at the UN Complex, self-serve digital channels, Cooperative Bank Visa debit card acceptance globally, and partnerships for adjacent products (Roto Tanks, Kentainers, Shirika Insurance Agency, Wanamataifa Investment). In 2025 it was recognized as the Best Performing SACCO, Best in Technology Optimization, and Best in Deposits Management at the Ushirika Awards.

Name

UN DT Sacco

Legal name

UNITED NATIONS DEPOSIT TAKING SACCO

Website

https://unsacco.org

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

11–50 employees

Short description

UN DT Sacco is a Kenyan SASRA-licensed deposit-taking SACCO serving UN agencies staff, diplomatic missions, and international organizations in Kenya, offering savings, multi-currency accounts, and 18 loan products through digital and branch channels.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (52213)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSABAEAC

Community Development Credit Unions (CDCUs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Cooperative banking
• Savings and credit
• Membership savings
• Microfinance lending
• Deposit taking sacco

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Membership Fees: One-time membership registration fees of KES 2,000 (KES 2,400 including excise duty) for new members and rejoining fees of KES 3,000 (KES 3,600 including excise duty)
2. Share Capital: Minimum share capital requirement of KES 50,000 for all members. Share capital earns dividends annually and forms the core capital of the SACCO
3. Member Deposits Savings: Minimum monthly contributions of KES 2,300 for deposits account. Deposits earn attractive interest annually and form the basis for loan qualification (borrowing up to 7 times deposits)
4. Loan Interest Income: Interest income from various loan products including Development Loan (11.5% p.a.), Normal Loan (12% p.a.), Secured Asset Loan (13.8% p.a.), and Premier Loan (15% p.a.) on reducing balance
5. Transaction and Service Fees: Fees for ATM withdrawals, bank transfers, account statements, safe custody, bankers cheques, and other banking services as per tariff guide
6. FOSA Account Services: Monthly benevolent fund contribution of KES 300, minimum FOSA balance requirements, and transaction fees for FOSA operations

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels8 records

Core offering

UN DT Sacco is a deposit-taking savings and credit cooperative society (SACCO) that provides savings products (KES and USD accounts, fixed and junior savings), credit facilities (development, normal, secured asset, premier, quick cash, plot financing, emergency, and specialized loans), and digital banking channels (QC Wallet mobile app, USSD *882#, and Internet Banking). Its membership is restricted to staff of United Nations agencies, diplomatic missions, and approved international organizations operating in Kenya, along with their immediate family members.

Product overview

UN DT SACCO is a deposit-taking SACCO (Savings and Credit Co-operative) offering a comprehensive suite of financial products and services. The core portfolio consists of BOSA (Back Office Savings Account) and FOSA (Front Office Service Activities) savings products including Member Deposits Account, Dollar Savings Account, Junior Savings Account, FOSA Savings Account, and Fixed Deposit Account. Loan products are categorized into BOSA loans (Secured Asset Loan, Development Loan, Plot Financing Loan, Normal Loan, Emergency Loan, Seniors' Loan, Premier Loan, Loyalty Loan, Instant Loan, Education Loan) and FOSA loans (Settlement Loan, Insurance Premium Financing, Salary Personal Loan, Quick Cash Loan, Junior Education Loan, FOSA Loan, Rental Property Loan). Additional services include QC Wallet mobile banking, Internet Banking, Money Transfer, ATM Cards, and ancillary services like Safe Custody and Standing Orders. The company serves UN staff, diplomatic missions, international organizations, and their immediate family members.

Differentiator

Problem solved

Functional benefit

Products and services

• Member Deposits Account Default savings account for all members upon joining the SACCO, earning attractive interest annually with borrowing capacity up to 7 times the deposit amount.
• Dollar Savings Account Foreign currency savings account in USD, offering a secure and accessible way for members to grow wealth in a globally recognized currency, with independent operation from KES accounts.
• Junior Savings Account Savings account for children under guardian or parent management, designed to instill savings habits with minimum monthly deposits of KES 500.
• FOSA Savings Account Front Office Service Activities account for regular transactions with Visa debit card, Banker's cheques, and mobile phone access via MSACCO.
• Fixed Deposit Account Fixed savings account offering superior returns over defined periods, typically 3 months or more.
• Rental Property Loan Loan product enabling members to borrow up to 3 times deposits or 3 times rental income, up to KES 6 million, secured against rental property.
• Development Loan Loan for investment goals and projects, up to KES 200,000 via mobile or internet banking or KES 30 million for physical applications, at 11.5% p.a. interest on reducing balance with 120-month repayment.
• Plot Financing Loan Land acquisition loan up to 7 times deposits or KES 15 million for plots in Nairobi, Mombasa, Kisumu, Eldoret, and Nakuru areas.
• Secured Asset Loan Property or land-secured loan up to 7 times deposits or KES 25 million with extended repayment period of up to 200 months at 13.8% p.a.
• Normal Loan General-purpose loan up to 4 times deposits or KES 20 million with 60-month repayment period at 12% p.a. on reducing balance.
• Emergency Loan Quick-processing loan up to 3 times deposits or KES 1 million, processed within 24 hours at 12% p.a.
• Seniors' Loan Retiree-focused loan up to 3 times deposits or KES 20 million, repayable through pension income over 48 months.
• Premier Loan Premium loan up to 5 times deposits or KES 20 million with extended 84-month repayment period at 15% p.a.
• Loyalty Loan Loan for members with 5+ years of loyalty, up to 4 times deposits or KES 20 million at 12.5% p.a.
• Instant Loan Urgent needs loan up to 3 times deposits or KES 5 million with 36-month repayment period at 14.5% p.a.
• Education Loan School fees financing loan up to 3 times deposits or KES 3 million at 12% p.a., repayable within 12 months.
• Settlement Loan New member transition loan of 3 times monthly basic salary up to KES 1 million at 14.5% p.a.
• Insurance Premium Financing Insurance financing for health, motor, and life insurance via Shirika Insurance Agency, up to 10 months repayment at 6% flat rate.
• Salary Personal Loan Loan based on monthly FOSA remittances, up to 5 times remittance or KES 1 million over 12 months.
• Quick Cash Loan Mobile-accessible emergency loan up to KES 150,000 via USSD or mobile app, repayable within 90 days at 5% interest on access.
• Junior Education Loan Education loan against Junior Savings, up to 2 times junior account savings up to KES 1 million at 12% p.a.
• FOSA Loan Loan for members with exhausted deposits, 4 times deposits up to KES 1 million at 14.5% p.a. over 36 months.
• QC Wallet Mobile Banking Mobile banking platform via USSD *882# and Android app enabling loan access, FOSA transactions, balance inquiries, M-Pesa deposits, and withdrawals.
• Internet Banking Online platform for account access, fund transfers, loan applications, statement viewing, and member referral.
• Money Transfer Service Remittances and funds transfer via Electronic Funds Transfer (EFT) to any bank account globally within 48 hours domestically.
• SACCO Link Visa Debit Card Cooperative Bank partnership Visa debit card for global ATM access and merchant payments via the SACCO Link platform.
• Safe Custody Valuables and security documents safekeeping service for members.
• Standing Order Automated regular payment instructions to deposits or junior savings accounts.
• Banker's Cheque Banker's cheques up to KES 999,999 for convenient payments.
• Bank Statement Service Service allowing members to request printed account statements.
• Dividend Advance Advance of interest on deposits, allowing members to access up to 50% of expected dividend before AGM approval.

Quantifiable outcome

• 24-hour loan processing turnaround for most products
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Nairobi County GovernmentminorStrategic or Co-development Partner · 1 January 2024Three-year MOU for Corporate Social Responsibility project at Mji Wa Huruma home for the elderly. First initiative is construction of ablution block. Collaboration focuses on improving living conditions for elderly residents in Karura Ward.
• Wanamataifa Investment LimitedcoreStrategic or Co-development Partner · 1 January 2023Investment arm of UN DT SACCO providing property acquisition opportunities and insurance products. Wanamataifa offers plots in 5 cities in Kenya (Nairobi, Mombasa, Kisumu, Eldoret, Nakuru) for Plot Financing Loans. Subsidiary Shirika Insurance Agency provides Insurance Premium Financing products.
• Roto TanksminorChannel Partner/ Reseller/ Distributor · 1 January 2022Partnership for water storage solutions allowing UN SACCO members to purchase Roto Tanks water storage products at discounted rates through the SACCO. Members can review pricing, complete purchase order forms, and receive delivery through the SACCO's marketing team.
• KentainersminorChannel Partner/ Reseller/ Distributor · 1 January 2022Partnership for water storage solutions allowing UN SACCO members to purchase Kentainers/Zonal Kentank water storage products at preferential pricing through the SACCO. Streamlined ordering process with delivery to member's doorstep.
• Cooperative Bank of KenyacoreChannel Partner/ Reseller/ DistributorStrategic alliance for ATM card services (SACCO Link) allowing members to access funds through all Visa ATMs globally. The SACCO Link card is a Visa debit card accepted at merchant outlets worldwide with no additional cost.
• Shirika Insurance AgencycoreChannel Partner/ Reseller/ DistributorInsurance agency subsidiary of Wanamataifa Investment Limited providing Insurance Premium Financing for UN SACCO members. Covers health, motor, life insurance and other insurance needs at 6% flat interest rate with up to 10 months repayment.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Mwalimu National SACCO: Large Kenyan teacher-focused DT SACCO with broad savings, loan, and digital banking products. Closely comparable cooperative structure, SASRA-licensed, multi-product portfolio, and award-winning technology positioning.
• Imarika SACCO Society Limited: DT-licensed Kenyan SACCO serving public-sector and institutional employees with a comparable multi-product loan portfolio (development, emergency, asset financing) and digital banking platform.
• Stima SACCO Society Limited: SACCO serving Kenya Power, REA, and energy-sector employees with deposits, loans, and digital channels. Direct competitor for institutional employee share-of-wallet and uses a similar SASRA-licensed FOSA/BOSA model.
• Harambee SACCO Society Limited: Mid-to-large Kenyan DT SACCO serving civil servants and parastatal staff. Comparable product breadth (BOSA loans, FOSA accounts, mobile/USSD banking) and SASRA oversight. Competes for the same pool of salaried, Nairobi-based professional members.
• Hazina SACCO Society Limited: SACCO serving civil servants in Kenya with FOSA/BOSA products and digital channels. Operates within the same SASRA regulatory framework and pursues a similar strategy of digitizing member services.
• Kenya Police SACCO Society Limited: One of the largest DT-licensed SACCOs in Kenya serving Kenya Police staff. Operates the same cooperative model with deposits, FOSA/BOSA loans, and digital banking; competes for institutional employee-base member funding in the same Kenyan regulatory framework (SASRA).
• UN Federal Credit Union (UN FCU): US-headquartered credit union exclusively serving UN staff, retirees, and their families globally. Direct comparison: same target member persona (UN staff), same cooperative ethos, but operates across multiple geographies with a broader product set (wealth, mortgages, investment).
• Kenya Bankers Sacco Society Limited: SACCO serving Kenya's banking-sector employees with FOSA/BOSA products and digital banking. Similar SASRA-regulated deposit-taking structure and a niche employee-base membership model analogous to UN DT SACCO.

Others

• Co-operative Bank of Kenya:

Regional players

• SACCOs serving UN staff in other African duty stations: Several African UN duty stations host their own staff SACCOs (e.g., UN Joint Staff Pension Fund-related cooperatives and embassy staff associations). These are regional analogues serving the same UN/diplomatic persona in different countries but do not directly compete with UN DT Sacco in Kenya.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCrIHrh1tJmsRyavMVNotzFw
• Xx.com/UNSacco
• Facebookfacebook.com/UNDTSACCO
• LinkedInlinkedin.com/company/united-nations-sacco

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UN DT Sacco