Kimisitu

40 Years of Quality Service Kimisitu DT Sacco celebrates 40 years of financial empowerment and service excellence,
recognizing its founding in March 1985 by a dedicated group of staff from ICRAF.
LEARN MORE LOAN PRODUCTS
Makao Halisi - Own Your
Dream Home
Turn your dream into reality with Makao Halisi! Whether you're buying, building, or renovating, enjoy affordable mortgage solutions with flexible repayment terms and competitive rates. LEARN MORE
Get Up to KES 300K Instantly! Need quick cash? Access instant loans up to KES.300,000 via the Kimisitu Money App - fast, secure, and hassle-free! Enroll now and experience convenience! LEARN MORE Salary Advance – Up to 80% of Your Net Salary! Enjoy instant access to 80% of your salary, with a limit of up to KES.500,000 when your salary is processed through Kimisitu FOSA Account. LEARN MORE Self-Service Portal and APP – Anytime, Anywhere! Enjoy 24/7 secure access to your Kimisitu account without visiting our offices. Check balances, apply for loans, and manage transactions anytime, anywhere! LEARN MORE

40 Years of Quality Service Kimisitu DT Sacco celebrates 40 years of financial empowerment and service excellence,
recognizing its founding in March 1985 by a dedicated group of staff from ICRAF.
LEARN MORE LOAN PRODUCTS
Makao Halisi - Own Your
Dream Home
Turn your dream into reality with Makao Halisi! Whether you're buying, building, or renovating, enjoy affordable mortgage solutions with flexible repayment terms and competitive rates. LEARN MORE
Get Up to KES 300K Instantly! Need quick cash? Access instant loans up to KES.300,000 via the Kimisitu Money App - fast, secure, and hassle-free! Enroll now and experience convenience! LEARN MORE Salary Advance – Up to 80% of Your Net Salary! Enjoy instant access to 80% of your salary, with a limit of up to KES.500,000 when your salary is processed through Kimisitu FOSA Account. LEARN MORE Self-Service Portal and APP – Anytime, Anywhere! Enjoy 24/7 secure access to your Kimisitu account without visiting our offices. Check balances, apply for loans, and manage transactions anytime, anywhere! LEARN MORE

Savings Products At Kimisitu, we offer a variety of loans that are tailored to meet your needs. READ MORE We have a variety of savings products that are designed to grow your wealth, secure your future and much more. Loan Products READ MORE Self Service Options We have a variety of savings products that are designed to grow your wealth, secure your future and much more. READ MORE Our self-service options give you the power to access your accounts, apply for loans, and much more. Anytime Anywhere. Savings Products READ MORE Customer Support Our self-service options give you the power to access the portal and APP, anytime and anywhere. READ MORE We are always ready to assist you, ensuring a seamless and personalized experience every step of the way. Self Service Options READ MORE Loan Products We are always ready to assist you, ensuring a seamless and personalized experience every step of the way. READ MORE At Kimisitu, we offer a variety of loans that are tailored to meet your needs. Customer Support READ MORE What We Offer BECOME A MEMBER

Our Members Experience

Meet our members who have placed their trust in Kimisitu DT Sacco, leveraging our support to achieve financial growth and stability. Their journey is a testament to the power of partnership, trust, and shared prosperity.

My Home Ownership Journey
with Kimisitu Sacco

Our Wealth Creation Journey
Through Kimisitu Sacco

My Dream Home Reality

Our Members Experience

Meet our members who have placed their trust in Kimisitu DT Sacco, leveraging our support to achieve financial growth and stability. Their journey is a testament to the power of partnership, trust, and shared prosperity.

My Home Ownership Journey with Kimisitu Sacco
Our Wealth Creation Journey Through Kimisitu Sacco
My Dream Home Reality

Our Members Experience

Meet our members who have placed their trust in Kimisitu DT Sacco, leveraging our support to achieve financial growth and stability. Their journey is a testament to the power of partnership, trust, and shared prosperity.

My Home Ownership Journey
with Kimisitu Sacco

Our Wealth Creation Journey
Through Kimisitu Sacco

My Dream Home Reality

Our Milestone Journey

Founded in 1985 April 2020: Kimisitu Insurance Agency licensed by IRA Kimisitu Sacco celebrates 40 Years of championing our members’ financial Independence April 2020 Robust, cutting-edge technology, enabling convenient and secure service delivery to our members in over 70 countries at their comfort. A Tier 1 Deposit Taking Sacco  July 2020: Attained ISO 9001:2015 Certification Launched Kimisitu DT Sacco Front Office Service(FOSA) Incorporated Kimisitu Foundation July 2020: Winner – CIO Awards 2023 & 2024 Africa Awards January 2022 December 2020 National Awards 1st Runners Up FIRE Awards 2023 & WINNER in 2024 Best in Deposit management Deposit taking saccos employee based saccos tier2 Ushirika Awards Ushirika Awards Best in risk management Deposit taking saccos employer based saccos tier 2 Best in technology optimization Deposits taking saccos employer based saccos Ushirika Awards

More than a Sacco

Kimisitu is more than just a Sacco—we are a comprehensive financial ecosystem dedicated to empowering our members in every stage of life.

Kimisitu Investment

From your first investment to building lasting wealth, Kimisitu Investment walks with you—turning opportunities into financial success, one smart decision at a time.

Kimisitu Foundation

Driven by a mission to create sustainable living through environmental conservation, education sponsorship, and nurturing livelihood skills, Kimisitu Foundation, is the CSR arm of Kimisitu.

Kimisitu Insurance

KIA’s objective is to procure insurance business for our members at negotiated rates of premiums.

At Kimisitu DT Sacco, we are more than just a financial institution—we are a community that empowers our members to achieve financial freedom. Through Kimisitu Foundation, we invest in social impact; through Kimisitu Insurance, we safeguard your future; and through Kimisitu Investment, we help you build lasting wealth. Together, we create opportunities for a brighter and more secure tomorrow.

Lwanga Mbeche, CEO

Why Join Kimisitu?

40 Years of Financial Empowerment

Robust Member Base of over 

14,000

active members

Attractive Rate of Return on investment

Competitive Loan Interest Rates

Convenience through Kimisitu Self-Service Portal and APP.

Real time and multifaceted Customer support

Member-centric product and service solutions

Financial Literacy and education programs