NSSF SACCO LIMITED formerly NASSEFU SAVINGS AND CREDIT SOCIETY was registered on 20th August, 1990 by 8 employees of National Social Security Fund which grew to 280 members in its first Annual General Meeting. This was a common goal initiation by the members employed in NSSF Fund, at the time.

With increased member activity and growth in assets, the Front Office Service Activities (FOSA) commenced operations in December 2010, after obtaining Licensing from SASRA,  to offer quasi banking services to NSSF SACCO members at competitive rates. 

This catapulted the SACCO’ growth further where it was now necessary to open the Common Bond of the Sacco enabling more employer Companies join with their employees to achieve their personal financial goals. With this, the Sacco membership has grown to more than 8,000 members and counting.

Mobilization of resources and transforming lives.

Our Core Values

• Customer-Centric.
• Innovation.
• Professionalism.
• Integrity.
• Sustainability.

 Tagline 

"Inspiring Prosperity"

REQUIREMENTS FOR JOINING NSSF SACCO

1. Fill up a membership form (on the “downloads” page on this website), complete with personal details, next of kin and list of nominees. Include a passport sized photo and a copy of your ID.
2. Membership is Kshs. 1,000. This is a one-off payment (non-refundable).
3. Share Capital (Shareholding in the SACCO), we have different categories of membership in the SACCO paying different amounts namely; Category A: KES. 20,000, Category B: KES. 10,000 and Category C: KES. 5,000. This is non-refundable fee but transferable to an existing SACCO member upon exit from the SACCO.
4. Monthly contributions - Minimum KES. 3,500, KES.. 500 goes towards loan guard insurance thus not inclusive in the monthly savings.
5. Loans - Given up to three times your Savings/Normal shares. Requirements; 6 guarantors, 2 latest pay-slips, copy of ID and fully filled up loan form.
6. Self-Guarantee - Requirements, 6 months bank statements and a standing order to the SACCO Bank Accounts.
7. Sacco withdrawal - takes 60 days duration from receipt of withdrawal letter. Withdrawal Fee of Kshs. 1,000 applies.
8. Payment contribution modes:

• Mpesa Paybill – Business No. 819890. AC No. is your Sacco Membership Number or National ID Number.
• Standing Order – Co-operative Bank Details:
  A/C Name: NSSF SACCO LIMITED.
  A/C No. 01120040151300
  Branch: Ukulima Branch
  Other Details: Your ID No. Or Member No.

• Cash Payment – Over the Counter at the Sacco Banking Hall.

How to contribute Shares and repay Loans on the phone/App

• Download and fill in the Mobile Banking Form, send it as a scan copy to the Sacco as well as your ID copy through This email address is being protected from spambots. You need JavaScript enabled to view it.
• Use Mpesa Paybill (819890) to transfer money from Mpesa to Fosa account. A/C No. is your Sacco Membership number (you can get the membership number through the Members’ Portal on member profile).
• Upon successful registration you will receive an SMS with instructions on Mobile Banking as well as your PIN (Kindly keep the PIN a secret and change it through the prompts on the Mobile Banking Menu).
• Dial *477# and follow the prompts e.g. transfer from FOSA Account to Mpesa, Repay Loan, make contribution etc. put the amount and complete the transaction with your PIN.
• To make sure the FOSA Account is active, a member needs to transact with FOSA at least once every three months and have a minimum balance of KES. 1,000 in the FOSA Account.