Are you looking to join one of Kenya’s most reliable Savings and Credit Co-operative Societies? Sheria Sacco, established in 1972, is a trusted financial partner with over 10,000 members and an asset base of Kshs 8.51 billion.
Whether you are in the legal profession, a government employee, or an entrepreneur, Sheria Sacco offers affordable credit, excellent customer service, and shared returns.
In this guide, we break down Sheria Sacco membership eligibility and requirements using clear, simple language for easy understanding.

Understanding Sheria Sacco Membership Eligibility and Requirements
Sheria Sacco is open to individuals working in law, government, academia, and private sectors, among others.
The Sacco provides financial solutions to a wide range of professionals and organisations. Membership offers a chance to save, borrow, and grow financially while enjoying dividends and excellent customer care.
Who Qualifies for Sheria Sacco Membership
Sheria Sacco has clear eligibility rules to ensure it admits committed and financially stable members. Here are the categories of people who can join:
Government and Legal Sector Employees
If you are currently working or have worked with any of the following, you are eligible:
- Judiciary
- Office of the Attorney General
- Ministries and other government departments
- Quasi-government institutions related to the judiciary or Attorney General
- Kenya School of Law
- Law Society of Kenya
Academic and Legal Professionals
- Advocates of the High Court of Kenya
- Certified public secretaries
- Students of the Kenya School of Law
- University staff and faculty members
Others Eligible to Join
- Employees of Sheria Sacco and its subsidiaries
- Spouses or immediate family members of existing members
- Approved business entrepreneurs and institutions
- Any employee of a registered organisation in Kenya capable of making regular Sacco contributions and repaying loans
Documents Required for Sheria Sacco Membership
Once you confirm that you are eligible, the next step is to prepare the necessary documents for membership. Below are the standard requirements:
Application Documents
- Filled membership application form (downloadable from the Sheria Sacco website)
- Copy of your national ID or passport
- Duly filled nominee card
- One recent passport size photo
Financial Requirements
- Kshs 1,000 for registration
- Kshs 500 for opening a FOSA (Front Office Service Activity) account
- Kshs 200 for registration in the Burial Benevolent Fund
- Kshs 1,700 total entry fee
After submitting all documents and making the required payments, your membership is processed and activated.
Benefits of Being a Sheria Sacco Member
Sheria Sacco offers more than just savings and loans. Members enjoy a wide range of benefits that make joining worthwhile:
Ownership and Control
Members are co-owners of the Sacco and play a part in its leadership through their delegates at the Annual General Meeting (AGM).
Profit Sharing
Interest earned from loans is shared with members through dividends and interest on deposits.
Affordable Loan Rates
Loans offered by Sheria Sacco are cheaper than what most banks provide, giving members a financial edge.
Human-Centered Service
The Sacco prioritises members’ needs and offers personalized, member-first customer service.
Access to Management
Members can easily reach out to the Sacco’s board and management for assistance or feedback.
Sheria Sacco Contact Details
If you have any questions or wish to apply, use the contact details below:
- Location: Matumbato Close, Upperhill, Nairobi
- Phone: 020 780 1500
The application process is straightforward, and the benefits are long-term. With Sheria Sacco, your money works for you.