Verified 12 September 2026

Unaitas Sacco Kenya (2026)

By Dennis Kiptoo · SACCO hub · Murang'a County

Unaitas is a large, nationwide SASRA-licensed deposit-taking SACCO, formerly Muramati, known for serving the general public, SMEs, farmers and chamas rather than a single employer group, which makes it one of the most accessible SACCOs to join.

Deposit and repay via M-PESA

Deposit and repay through its M-PESA paybill with your member or account number. Confirm the current paybill on Unaitas' official channels before relying on it.

Dividends

Declared at the AGM and paid to your account, rate and date to confirm against the circular.

Loans

Covers business, asset, development and emergency needs with the usual multiplier on savings.

How to join

Any adult with an income can join: ID, KRA PIN, photos, entry fee and share capital. Nationwide branch network.

Frequently asked

Who can join Unaitas?

Anyone, it is a general-public SACCO.

Is it licensed?

Yes, a 2026 DT-SACCO.

Good for SMEs and chamas?

Yes, that is a core focus.

Verified 12 September 2026. Independent guide, paybillke is not affiliated with the SACCO. Share capital is not withdrawable on demand and carries guarantor and liquidity risk. Confirm paybill numbers, dividend rates and contacts against the SACCO's own channels.