Set it once, and M-Pesa sends money to Fortune by itself every day, week or month. No need to remember.
You can change or stop it any time on *334# under M-Ratiba. Keep enough in M-Pesa on the day it runs.
| Monday – Friday | 8 am – 4 pm |
|---|---|
| Saturday | 8 am – 12 pm |
| Sunday | Closed |
Bring:
From The SACCO's website, 27 October 2026. Rates and terms change: confirm with Fortune before you apply.
We haven't recorded Fortune's risk fund, loan cover or welfare benefits yet. Know them? Tell us.
Stories from Kenya's co-operative press that name Fortune. Each opens on the publisher's site.
Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.
Open the guarantor boardNone listed right now. Post a buy request or sell yours.
The Fortune M-Pesa Paybill number is 852648. Use Account number as the account number.
Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 852648, then the account. Use Account number as the account number. Keep the M-Pesa message as your receipt.
You can dial *638# and use the Ecash App app 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 Fortune branch.
Yes: USSD *638# and the Ecash App app.
Phone: 254-111-054-300, +254 757 624 478, WhatsApp: 254757624478 and Email: info@fortune.co.ke.
Monday to Friday 8 am – 4 pm, Saturday 8 am – 12 pm.
Fortune has 18 offices in Kerugoya, Kagumo, Kutus, Karumandi, Kianyaga, Kiamutugu, Kibirigwi, Kiangai, Sagana, Makutano, Mwea, Kagio, Kimunye, Baricho, Nairobi, Ongata Rongai, Ruai and Githure. The head office is at Fortune Plaza, Main Street, Kerugoya.
You need: national ID, kES 500 for 5 shares at KES 100 each, entrance fee KES 120 (total KES 620), complete membership form; open shares and savings account and minimum 50 shares (KES 5,000) required to access loans. Expect a registration fee of KSh 120 and minimum share capital of KSh 500. You can apply online on SaccoLink and we'll send your application to Fortune.
20 loans: Fortune Afya Loan, Zidisha Loan, Insurance Premium Financing, Fortune Project Finance, Fortune Asset Loan, Mpesa Float Advance, Inuka Working Capital, Kahawa Development Loan, Kahawa Advance, Tea Development Loan, Ngo'mbe Loan, Maziwa Loan, Rice Star Loan, Golden Salary Loan, Super Golden Loan, Salary Advance, School Fees Loan, Fosa Advance, Special Emergency Loan and Mazingira Loan. Most let you borrow up to 5 times your deposits. (Source: The SACCO's website. Confirm current terms with the SACCO.)
Most Fortune loans let you borrow up to 5 times your deposits, and repayments must leave you at least a third of your salary (the 2/3 rule). SaccoLink's loan calculator works out the limit and the monthly repayment.
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 Fortune, so ask a branch for the loan form and current terms. If you need a guarantor from Fortune, its SaccoLink guarantor board lets members guarantee each other.
Give Fortune 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. Fortune 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.
Details from the SACCO's official website. Last checked 24 Oct 2026. Something wrong or missing? Suggest an edit.
Fill in a short form and we send it to the SACCO. Free.
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