Yes, Enea Sacco has multiple branches to serve our valued members. In addition to our main office located at Kiangararu House on the Karatina – Nairobi Highway, we also have two branch locations: Rhino House Branch and Kimariga Town Branch. These branches are strategically positioned to provide accessibility and convenience to our members.

Share Capital: Share capital is the initial money members invest to establish and strengthen Enea Sacco. It forms the foundation for our financial stability.

Unwithdrawable Shares: Unwithdrawable shares represent contributions that members make, which can’t be taken out until they leave Enea Sacco. They help secure our long-term sustainability.

Ordinary Shares: Ordinary shares allow you to be a part-owner of Enea Sacco, granting you dividends. They’re typically withdrawable under certain conditions and also provide voting rights for decision-making.

• Access to Financial Services: Sacco members can access a wide range of financial products and services, including savings accounts, loans, investment opportunities, and insurance options.
• Competitive Interest Rates: Saccos often offer competitive interest rates on savings and loans, allowing members to earn more on their savings and secure affordable credit.
• Ownership and Voting Rights: Sacco members have a stake in the organization and typically enjoy voting rights during general meetings, allowing them to influence important decisions and governance.
• Dividends and Profits: Members may receive annual dividends based on their share capital, enabling them to share in the Sacco’s financial success.
• Financial Education and Support: Many Saccos provide financial literacy programs and guidance to help members make informed financial decisions and improve their financial well-being.

1. Access Mpesa Menu: Go to your Mpesa menu on your mobile phone.
2. Select Lip na Mpesa: Choose the “Lip na Mpesa” option.
3. Choose Paybill: Select “Paybill.”
4. Enter Paybill Number: Enter the Paybill number: 7256487.
5. Enter Account Number: In the account number field, type “3” followed by your specific account number.
6. Enter Amount: Specify the amount you wish to deposit.
7. Confirm Transaction: Review the details and confirm the transaction.
8. Enter Mpesa PIN: Enter your Mpesa PIN to authorize the deposit.
9. Receive Confirmation: You will receive an Mpesa confirmation message for your deposit, and the funds will be added to your account.

This process allows you to conveniently deposit money into your account from your Mpesa mobile wallet.

To be eligible for a loan from Enea Sacco, you need to be a member for at least 6 months and maintain good account standards during that time. This typically includes having a positive savings history and abiding by the Sacco’s financial guidelines

Yes, we offer mobile money services. You can link your Enea Sacco account to M-Pesa for convenient deposits, withdrawals, and transfers.

FOSA (Front Office Service Activity) is a subsidiary of Enea Sacco that provides banking services. It offers checking and savings accounts and serves as the front office for basic financial transactions, while the sacco’s main accounts focus on savings and credit.

We offer a range of loan products, including personal loans, business loans, education loans, and emergency loans. Each loan type has specific terms and conditions.

Loan processing times vary depending on the type of loan and the completeness of your application. Generally, it takes about 5 to 10 working days. Required documentation includes a completed loan application form, proof of income, and collateral (if applicable).