Welcome to Pcea Ruiru Sacco

Tuungane tujiinue kimaisha

We offer diverse products to both individual members and groups.

Who we are:

We are licensed by SASRA as a regulated non withdrawable deposit taking Sacco. We offer diverse products to both individual members and groups. We are located at PCEA Ruiru town plaza.

What we do

Our purpose is to improve lives through financial services.


Our Services

 The Sacco offers a variety of savings for members. This includes: Holiday savings account, Elimu Bora, term deposits

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We have a variety of loan products, suitable for your needs; Normal Loan, Quick Fix, School Fees Loan, Emergency Loan, Super Loan, M-cash and Pamoja Loan.

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This account enables members to save for the educational needs of their children/dependents. Withdrawal should be done once after six months. Deposit can be done daily.

Interest at 5% p.a. on prolata.

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Our Vision

To be a unique financial service provider.



The Sacco launched the M-CASH loan product in May 2023. This is a mobile loan repayable within 1 month. The maximum loan amount is kshs.10,000 with an interest rate of 5% upfront.

John Ngaba Ndung’u

Walking in Mutonya village Ruiru Sub County you will not fail to notice this well cared for horticultural farm. Kales, Spinach and tomatoes call you from afar under the scotching sun of September. You fail to comprehend how the owner is able to make this land look so green even in dry season. The magic man is none other than John Ngaba Ndung’u a member of PCEA RUIRU SACCO.

As you come closer to the field your questions are all answered. A network of pipes running through the entire field is an evidence of a work well done. From a distance you can hear the water pump roaring, drawing water from the nearby river.

At the field we meet John Ngaba himself going round the field inspecting his yield. He enjoys his work. in fact, he says he cannot seek for a white color job. He throws a joke that he earns more than bankers in his field.