Kenya Highlands Sacco Society Ltd

The Kenya Highlands M-Pesa Paybill number is 825920. Use Your ID number as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 825920, then the account. Use Your ID number as the account number. Keep the M-Pesa message as your receipt.

You can dial *879# and log in with your member details to see your deposits, shares and loan balance. If you haven't registered for mobile banking, register at any Kenya Highlands branch.

Yes: USSD *879#.

Phone: 0777773980, 0719471633 and Email: info@kenyahighlandssacco.co.ke.

Kenya Highlands has 7 offices in Kapsoit, Kiptagich, Litein, Silibwet, Kaptumo, Kabianga and Kericho. The head office is at Temiik House, Kericho – Kisumu Highway.

You need: completed application for membership form, entrance fee, minimum par value of shares, two passport size photos, nominee form and certified copy of National ID card. You can apply online on SaccoLink and we'll send your application to Kenya Highlands.

For FY2024, Kenya Highlands paid 15% on share capital and 13.5% interest on deposits (source: Saccos Report Impressive Dividends Payout (Co-op News)). Rates are set each year at the AGM, so future rates may differ.

Loans are for members. How long you must save first, how much you can borrow against your deposits, and how many guarantors you need are set by Kenya Highlands, so ask a branch for the loan form and current terms. If you need a guarantor from Kenya Highlands, its SaccoLink guarantor board lets members guarantee each other.

Give Kenya Highlands written notice. Deposits are usually refunded after a notice period once your loans and any guarantees you have given are cleared. Share capital is normally not refunded, but you can sell it to another member, for example on SaccoLink.

Yes. Kenya Highlands is on SASRA's list of SACCOs licensed to take deposits (FOSA) for 2026, so it can offer withdrawable savings accounts as well as loans.