Below are important details about Amica Sacco:
Amica Sacco Branches and Contacts
Nairobi Branch
Wakulima Building, Ground floor, Haile Selassie Avenue
P.O BOX 816-10200, Murang’a
Weekdays: Monday to Friday 8.15 am to 4.30 pm
Weekend: Saturday 8.30 am to 1.00 pm
Thika Branch
Murang’a Union Building, Kwame Nkruma street
P.O Box 816 -10200, Murang’a
Weekdays: Monday to Friday 8.15 am to 4.30pm
Weekend: Saturday 8.30 am-1.00pm
Gikomba Branch
Gikomba market
P.O Box 816 -10200, Murang’a
Weekdays: Monday to Friday 8.15am to 4.30pm
Weekend: Saturday 8.30am to 1.00pm
Kangari Branch
Amica Savings & Credit Building, Kangari -Kahari road
P.O Box 816 -10200, Murang’a
Weekdays: Monday to Friday 8.15am to 4.30pm
Weekend: Saturday 8.30am to 1.00pm
Murang’a Branch
Murang’a Union Building, Uhuru Street,
P.O Box 816 -10200, Murang’a
Weekdays: Monday to Friday 8.15am to 4.30pm
Weekend: Saturday 8.30am to 1.00pm
Kenol Branch
ACK Arahuka Building, Kenol Murang’a road
P.O Box 816 -10200, Murang’a
Weekdays: Monday to Friday 8.15am to 4.30pm
Weekend: Saturday 8.30am to 1.00pm
Kiriaini Branch
Amica Savings & Credit Building, Murang’a-Kiriaini road
P.O Box 816 -10200, Murang’a
Weekdays: Monday to Friday 8.15am to 4.30pm
Weekend: Saturday 8.30am to 1.00pm
Maragua Branch
Murang’a Union Building, Maragua town
P.O Box 816 -10200, Murang’a
Weekdays: Monday to Friday 8.15 am to 4.30 pm
Weekend: Saturday 8.30am to 1.00pm
Kangema Branch
Muguru -Iyego Building, Kangema Town
P.O Box – 388- 10202, Kangema
Weekdays: Monday to Friday 8.15am to 4.30pm
Weekend: Saturday 8.30am to 1.00pm
How to join Amica Sacco
Shares
Become a member today.
Buying Shares at Amica means you invest and Co-own a growing financial institution. One share is Ksh.10 and they are bought in multiples of 100.
Benefits:
- Earn annual dividends
- Elect Delegates during elections
- Access free financial advice
- Access affordable credit
- Get an opportunity to Invest in a growing financial institution
- Apply to become a Sacco delegate or director*
How to buy shares (for members only):-
Option 1
- Select Mpesa Menu
- Lipa na Mpesa
- Enter paybill number 162180
- Enter shares account (15 digits)
- Enter Amount and send
Option 2
- Dial *298# on your mobile phone
- Select option 2 Fund Transfer
- To internal member
- Select destination account ( SHARES)
- Enter amount and send.
Non- members kindly call 0729333444 for more information*
Interested to join/ increase your shares?
Amican Personal
A transaction account that allows you to deposit money, withdraw funds, write cheques or make electronic payments. Amican Personal account can be typically used for everyday expenses and is convenient for making payments and accessing cash.
Benefits
- Cheque book available on request
- Pay as you go
- Access to financial advisory services
- Access to personal life cover*
- Critical during loan appraisal
Amican Group
Transaction account for Chamas, Investment groups, Self Help group for regular collections, Processing payments, cheque clearance, standing instructions among others.
Benefits
- Cheque book available on request
- Ease of monitoring group contributions
- Pay as you go
- Membership to Amica Chama club
- Access to affordable medical cover
- Access to financial advisory services
- Access to life cover to members and their families*
Amican Corporate
Available to NGO’s, schools, religious organizations, partnerships, Cooperatives and Companies for, processing payments, collection account business transactions, cheque clearance, standing instructions etc.
Benefits
- Cheque book available on request
- Ease of accounting and monitoring account operations
- Pay as you go
- Membership to Amica Business club
- Access to affordable family medical cover for directors*
- Access to financial advisory services
- Access to life cover for directors and shareholders*
Amica Sacco Savings Products
Amican Junior Account
This is a platform to save for your child’s future as you sensitize them on the importance of savings.
Benefits:
- Free school fees cheque
- Free piggy bank*
- Interest paid on deposits above Ksh. 5000
- Child trained on finances at no cost
Futures Savings Account
We help you plan for your short and medium term commitments as well as emergencies for instance; wedding, dowry payment, annual insurance premiums, further studies, holidays among others.
Benefits:
- Earn interest for amounts above Ksh 5,000
- Plan for emergencies and future commitments with ease
- Free financial advisory services
Amica Sacco Investment Products
Investa Deposit Account
Be smart with your money. Save, invest and grow.
Available to individual members of the Sacco to help them secure their future through regular savings and investments.
Benefits:
- Earn interest as high as 10% p.a
- Standing order instructions give you ease to save on a regular basis
- Preferential borrowing rates of as low as 1% pm reducing balance
- Life benefit equal to accumulated deposits
- Permanent total disability benefit, equal to accumulated deposits
- Last expense benefit of KES 100,000 per member
How to deposit in Investa Account (for members only):-
Option 1
- Select Mpesa Menu
- Lipa na Mpesa
- Enter paybill number 162180
- Enter Investa account (15 digits)
- Enter Amount and send
Option 2
- Dial *298# on your mobile phone
- Select option 2 Fund Transfer
- To internal member
- Select destination account ( INVESTA)
- Enter amount and send.
Non-members kindly call 0729333444 for more information*
Fixed Deposit Account
An investment account that gives Sacco members a platform to earn a high and competitive rate of return on deposit placed for a specified period.
Benefits:
- Members can fix as low as Ksh.5,000
- Flexible terms of either 1,3,6, 9 or 12 months
- Monthly interest payment options available
- Guaranteed return on investment as agreed in the contract
- Earn high and competitive rate of return on deposit
Treasure Account
Offers you a unique opportunity to invest your money and earn premium returns on a monthly basis.
Benefits:
- Attractive interest on deposits at 7% p.a
- Interest paid on a monthly basis
- Deposits available on call
Amica Ventures
Amica Ventures is a subsidiary of Amica Savings & Credit aimed at meeting members’ and non-members’ land & housing needs.
Benefits:
- Access investment opportunities in properties.
- Land/plots are availed at affordable rates.
- No extra security is required in case financing is sought to buy the land/plot from Amica Sacco.
- Avail an opportunity for members to put up low-cost houses using modern technologies.
- Free advice on land and real estate investment availed on request*
Payment plan: 30% deposit and the balance payable within 6 months.
A cash discount offer of 2% is allowed for cash buyers.
Available plots
- Gatuanyaga Project Phase II- Thika
Located 3km off Thika-Garissa road next to Gatuanyaga Secondary School & St. Albans School.
Plot Size: 40*80
Amenities: Electricity, Water, Schools
Price: Ksh 700,000
3 plots available.
- Samar Gardens Maragua
Plot Size: 50*100
Located 1.5km off Muranga-Thika Highway
Amenities: Electricity, Water, Schools
Price – Ksh 850,000
0 plots available.
- Orchard Gardens Kambirwa
Plot Size: 50*100
Located along Muranga-Kwa Samaki Road next to National Oil Petrol Station.
Amenities: Electricity, Water, Schools
Price: Ksh 800,000
Remaining plots: 16
- Eden View Phase II- Githuri
Plot Size: 50*100
Location: Opposite Nokras Riverine Sagana, 100M from the Muranga- Sagana Highway
Amenities: Electricity, Water, Schools
Price: Ksh 700,000
Remaining plots: 0
- Eden View Phase I- Githuri
Plot Size: 50*100
Location: Near sport pesa stadium, 5 minutes to rapid camp sagana, 300M from Karemenu High School
Amenities: Electricity, Water, Schools
Price: Ksh 350,000
Remaining plots: 23
- Leisure Garden Estate
Plot size: 50*100
Location: Kabati- Gikono, 9KM from Muranga -Thika Highway
Amenities: Electricity, Water, Schools, Chiefs camp
Price: Ksh 850,000
Remaining plots: 0
- Joska Kamulu
Plot size: 50*100
Location: 850M from Muthwani shopping centre
Amenities: Electricity & Water on site
Price: Ksh 400,000
Remaining plots: 7
- Nyeri Kiawara
Plot size: 100*100
Location: 850M from Kiawara – Narumoro Road
Amenities: Electricity, School, Dccs office & Water
Price: Ksh 260,000
Remaining plots: 26
- Kenol Gitura
Plot size: 50*100
Location: 500M from Muranga Thika highway
Amenities: Electricity & Water on site
Price: Ksh 950,000
Remaining plots: 0
- Kambirwa Phase I
Plot size: 50*100
Location: 850M from Malewa primary school
Amenities: Electricity, Water & school
Price: Ksh 270,000
Remaining plots: 0
11. Plains View Makutano- Nyahururu
Plot size: 50*100
Located along Nyeri Nyahururu Narumoru Highway, touching the tarmac
Amenities: Electricity, Water & school
Price: Kshs. 350,000
Amica Sacco Loans
Business Working Capital
Designed to meet the financial needs of private entrepreneurs for business growth and expansion.
Benefits:
- Flexible repayment period
- Quick processing and approval
- Competitive interest rates of 1% pm reducing balance
- Free financial advice
Stock Boosta
Traders can now access a short-term loan with ease to replenish their stocks and take advantage of peak seasons like holidays, market days and weekends.
This facility is also available through the mobile phone where loan is processed and disbursed digitally within minutes without filling any form or guarantor.
Float Finance
Available for Mpesa agents and Amicash Agents for float acquisition.
Benefits
- Loan processed within minutes*
- Competitive interest rate of 1%
- No processing fee or ledger charges
- Repayment period of up to 7 days
Trade Finance
Do you supply goods or services to companies, county and national government through tender? Visit any of our branches for the following services;
- LPO/LSO Finance
- Guarantees
- Bid bonds
Overdraft
Apply for an overdraft facility and enjoy the following:
- High and favorable limits
- Seize business opportunities when they arise
- Flexible repayment plan
- Zero penalty for early repayments
- Cash available on call
Chama Loan
This loan facility allows members of a registered group acquire a common asset(s) or do a common project for their economic wellbeing. This means members can jointly buy land or plots, put up rental structures or start an income-generating venture together.
Benefits:
- In most cases, no extra security is required especially in land purchase.
- Free group leadership and financial literacy training availed on request
- Members enjoy financial and emotional support from each other
- Lower investment risk
Institution loan
Loan availed to schools, religious organizations, factories, societies, NGOs, Cooperatives and companies.
Benefits:
- Fast loan processing
- Free financial advice
- Flexible repayment plan
- Competitive interest rates
- Simple and convenient documentation
Personal Development Loan
Get a loan of up to Ksh 3M unsecured against your salary at 1.1 % p.m. reducing balance with a repayment of up to 96 months.
Benefits:
- Flexible repayment plan of up to 96 months
- Fast loan processing
- Competitive interest rates of as low as 1.1 % pm reducing balance
- A defined repayment plan of up to 96 months
- Top up and buy-offs available
Requirements
- Permanently employed or on specified term contracts
- Be a fully paid-up member (shares worth Ksh.3000)
- Original and Copy of ID
- Latest three months’ original pay slips
- Letter of introduction from the Employer
- Two guarantors working in the same institution
- The loan amount is subject to a minimum 1/3 take-home requirement.
Current MOUs
- Murang’a Water and Sanitation Company
- Murang’a South Water & Sewerage Company
- RUJWASCO
- ACK Diocese of Murang’a South
- ACK Diocese of Mt. Kenya Central
- TSC Check Off
- Murang’a University College
- Murang’a County Government
- Murang’a County Assembly
- Murang’a Senate Office
- Kangiri FCS
- New Murarandia FCS
- Kiru FCS
- Marumi FCS
- Ruchu Gacharage FCS
- Ngere Tea Factory
- Ikumbi Tea Factory
- Kiharu CDF
- Kiharu Constituency Office
- Truvets Techno Systems
- Njumbi High School
School Fees Loan
Do not panic for school fees and back to school shopping needs. We got you! Visit your branch for School fees loan.
Product Features
- Be a Sacco member
- Flexible repayment period
- Repayment Frequency – Monthly
- No processing fee
- No guarantors
Benefits
- Free internal transfers for schools that have accounts
- The installments are spread throughout the school term
- Quick access to the funds
Salary Loan
Long term loan available to members whose salary or pension is channelled through the Sacco.
Benefits:
- Fast loan processing
- Competitive interest rates of as low as 1% pm reducing balance
- A defined repayment plan
- Flexible repayment plan
- Top up and buy-offs available
Salary Advance Loan
Get a Salary Advance processed within the shortest time possible to meet that unforeseen financial need.
Benefits:
- Loan processed very fast to take care of the pressing need
- Loan available even when a member has an existing loan
- Competitive interest rate
Salary Loan-MOU
Employees of companies that have signed MOU’s with us can now access loan at negotiated rates; TSC, Parastatals, County governments, selected private sector companies.
Benefits:
- Access to loans at a discounted rate
- Quick processing and approval of loans
- Savings and loan instalments are deducted through their payroll making it very easy to grow their savings over time and reduce on loan delinquency
- Top up and buy-offs available
Amicash Loan
Access up-to Ksh. 40,000 from the comfort of your mobile phone by just dialing *298#.
Benefits:
- No loan application, no guarantor
- Flexible repayment duration of up to 30 days
- Quick processing cash availed immediately in your account
Ezesha Loan
A hustle free way to acquire Merchandise with contracted firms like water tanks, motorbike, solar panels, mobile phones, and laptops.
Benefits:
- Loans availed to all members
- Mark up charged on loan and no extra charges
- Flexible repayment duration of up to 12 months
BimaBoda @ 50
Motorcycle owners who are members of registered groups/chama can now access Motor cycle cover by only contributing Ksh. 50 per day.
This way the rider, passengers, pedestrians, and other motorists are covered in the event of an accident. For ease of payment, riders can deposit through our Paybill 162180 at no extra cost.
Insurance Premium Finance (IPF)
Availed to members of Amica for purposes of settling insurance premiums for policies taken.
Benefits:
- Convenient and simple documentation
- Less turnaround time of paying
- No hidden charges
- Quick processing time
Amica Paybill
Paybill 162180
How to make deposits to your Amican Account or pay loan using your mobile phone,
- Go to M-pesa Menu, select Lipa na M-pesa, then select PAYBILL
- Enter Business No 162180
- Enter Amican Account Number
- Enter Amount
- Enter M-pesa PIN
Members and non-members can now deposit into their accounts or other accounts through our paybill. This includes deposits for loan repayment, group contributions, regular deposits to savings accounts etc.
Paybill 4298298
How to make deposits to your Amican Account or pay loan using your mobile phone,
- Go to M-pesa Menu, select Lipa na M-pesa, then select PAYBILL
- Enter Business No 4298298
- Enter Amican Account Number
- Enter Amount
- Enter M-pesa PIN
Members and non-members can now deposit into their accounts or other accounts through our paybill. This includes deposits for loan repayment, group contributions, regular deposits to savings accounts etc.
How to transfer money vi Pesalink
- Dial *298#
- Enter PIN
- Go to option 2 (Funds Transfer)
- Select Pesa Link
- Select the first letter of your bank
- Select bank
- Enter Account number
- Enter Amount
- Enter Narration
- Confirm request
Amica Sacco Customer Care Contacts,location and Working Hours
Phone
(+254)729 333 444
MPESA Paybill
162180
Business Hours
Mondays – Fridays 8.15am to 4.00pm
Saturdays – 8.15am to 12.00pm
Sundays & Public Holidays – Closed
Address
Amica Savings & Credit
Murang’a Farmers Union Building,
Ground Floor, Uhuru Street,
P.O. Box 816 10200
Murang’a – Kenya
E-mailhello@amicacs.co.ke
How to withdraw money from amica to mpesa?
- Dial *298# on your mobile phone.
- Enter PIN.
- Select Mpesa transfer.
- Select withdrawal to Mpesa.
- Select to own mobile or other mobile number.
- Enter amount.
What is the USSD code for Amica Sacco?
USSD Code: *298#
