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SASRA-Regulated · Updated March 2026

Compare SACCOs in Kenya

Find the best SACCO for savings, loans, and dividends. 56+ societies compared.

56+
SACCOs Listed
50
Licensed by SASRA (2026)
10.21%
Average DT-SACCO dividend, 2025 (SASRA)
KES 726B
Combined assets of the 50 SACCOs SASRA reports, Dec 2025
🏘️Community-Based25
🏢Employer-Based15
👔Professional7
🌾Farmers4
📚Teachers3
🚌Transport1
📈Investment1

Licence status and total assets are checked against SASRA (2026 licence list; 2025 annual report). Dividend and loan rates on the cards are not yet checked against each SACCO; confirm them with the SACCO before you join.

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Showing 56 of 56 SACCOs

Mwalimu National SACCO

Nairobi

Teachers
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 76.3B assets (SASRA)

Teachers & education sector employees

View details →

Stima DT SACCO

Nairobi

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 75.3B assets (SASRA)

Energy sector employees & open membership

View details →

Kenya National Police DT SACCO

Nairobi

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
74,000 membersKES 66.4B assets (SASRA)

Police officers & civilian staff

View details →

Harambee SACCO

Nairobi

Employer-Based
15% (2024)
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
78,644 membersKES 41.3B assets (SASRA)

Government & civil service employees

View details →

Tower DT SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 34.6B assets (SASRA)

Open membership

View details →

Unaitas DT SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 29.6B assets (SASRA)

Open membership

View details →

Afya SACCO

Nairobi

Professional
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
120,000 membersKES 21.9B assets (SASRA)

Healthcare professionals

View details →

UN SACCO

Nairobi

Professional
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 19.7B assets (SASRA)

United Nations staff

View details →

Hazina DT SACCO

Nairobi

Employer-Based
17% (2025)
Dividend
1% per month
Loan Rate
Not published
Max Loan
Not published
Min Savings
38,000 membersKES 18.7B assets (SASRA)

Government employees & open membership

View details →

Mentor SACCO

Nairobi

Professional
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 18.5B assets (SASRA)

Open membership

View details →

Gusii Mwalimu SACCO

Kisii

Teachers
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 18.4B assets (SASRA)

Teachers in Gusii region

View details →

Trans Nation SACCO

Nakuru

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 17.9B assets (SASRA)

Open membership

View details →

Winas SACCO

Embu

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 16.9B assets (SASRA)

Open membership

View details →

Invest & Grow SACCO

Nairobi

Investment
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 16.4B assets (SASRA)

Open membership

View details →

Imarika DT SACCO

Mombasa

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 16.1B assets (SASRA)

Open membership

View details →

Bandari SACCO

Mombasa

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 15.1B assets (SASRA)

Port & shipping industry professionals

View details →

Safaricom SACCO

Nairobi

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 14.8B assets (SASRA)

Safaricom employees

View details →

Cosmopolitan SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 13.6B assets (SASRA)

Open membership

View details →

Kimisitu SACCO

Nairobi

Professional
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 12.9B assets (SASRA)

NGO & international organization employees

View details →

Ports SACCO

Mombasa

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 12.4B assets (SASRA)

Kenya Ports Authority employees

View details →

Mombasa Port SACCO

Mombasa

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 12.4B assets (SASRA)

Port workers

View details →

Sheria SACCO

Nairobi

Professional
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
20,000 membersKES 11.6B assets (SASRA)

Judiciary & legal professionals

View details →

Kenya Bankers SACCO

Nairobi

Professional
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 10.8B assets (SASRA)

Banking sector employees

View details →

Unison SACCO

Nairobi

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 10.6B assets (SASRA)

Communications sector employees

View details →

Bingwa SACCO

Murang'a

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 10.5B assets (SASRA)

Open membership

View details →

K-Unity SACCO

Kiambu

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 9.7B assets (SASRA)

Open membership

View details →

Yetu SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 9.4B assets (SASRA)

Open membership

View details →

Magereza SACCO

Nairobi

Employer-Based
10% (2023)
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
22,225 membersKES 8.9B assets (SASRA)

Kenya Prisons Service employees

View details →

Waumini SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 8B assets (SASRA)

Catholic community members

View details →

Maisha Bora SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 6.8B assets (SASRA)

Open membership

View details →

Chai SACCO

Kericho

Farmers
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 6.5B assets (SASRA)

Tea industry workers & farmers

View details →

Jamii SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 6.3B assets (SASRA)

Open membership

View details →

Ndege Chai SACCO

Kericho

Farmers
18.5% (2025)
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
80,000 membersKES 5.9B assets (SASRA)

Tea farmers & agricultural workers

View details →

Shirika DT SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
10,000 membersKES 5.8B assets (SASRA)

Open membership

View details →

Kenya Highlands SACCO

Kericho

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 5.8B assets (SASRA)

Open membership

View details →

Nyati DT SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 5.7B assets (SASRA)

Open membership

View details →

Kenpipe DT SACCO

Nairobi

Employer-Based
17% (2024)
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
4,367 membersKES 5.6B assets (SASRA)

Kenya Pipeline employees

View details →

NACICO SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 5B assets (SASRA)

Open membership

View details →

Ng'arisha SACCO

Bungoma

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 4.9B assets (SASRA)

Open membership

View details →

Nation SACCO

Nairobi

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 4.7B assets (SASRA)

Nation Media Group employees & associates

View details →

Kenversity SACCO

Nairobi

Professional
Not published
Dividend
12% p.a.
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 4.7B assets (SASRA)

University staff & open membership

View details →

Nawiri SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 4.5B assets (SASRA)

Open membership

View details →

NSSF SACCO

Nairobi

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 4.4B assets (SASRA)

NSSF employees

View details →

Skyline DT SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
100,000 membersKES 4.4B assets (SASRA)

Open membership

View details →

Muki SACCO

Murang'a

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 1.7B assets (SASRA)

Open membership

View details →

Elimu SACCO

Nairobi

Teachers
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 1.6B assets (SASRA)

Education sector workers

View details →

2NK SACCO

Nakuru

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 1.6B assets (SASRA)

Open membership

View details →

Fundilima SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 1.3B assets (SASRA)

Open membership

View details →

Magadi SACCO

Kajiado

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 1.3B assets (SASRA)

Magadi Soda Company employees

View details →

Nafasi DT SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 0.8B assets (SASRA)

Open membership

View details →

Acumen DT SACCO

Nairobi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedKES 0.6B assets (SASRA)

Open membership

View details →

Ukulima SACCO

Nairobi

Farmers
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedNot in SASRA's report

Farmers & agricultural workers

View details →

Nandi SACCO

Nandi

Community-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedNot in SASRA's report

Open membership

View details →

Nafaka SACCO

Nakuru

Farmers
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedNot in SASRA's report

Grain & cereal farmers

View details →

Reli DT SACCO

Nairobi

Employer-Based
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedNot in SASRA's report

Railway workers & open membership

View details →

Nyala Vision SACCO

Nairobi

Transport
Not published
Dividend
Not published
Loan Rate
Not published
Max Loan
Not published
Min Savings
Members: not publishedNot in SASRA's report

Transport sector workers

View details →

Why Join a SACCO in Kenya?

💰

Higher Returns

SACCOs pay dividends of 10-20% on share capital, far exceeding bank savings accounts that typically offer 3-7%. Your money works harder in a SACCO.

📉

Cheaper Loans

SACCO loans charge 10-14% p.a. on reducing balance compared to 14-24% at commercial banks. Save thousands in interest over the loan period.

🤝

Member-Owned

SACCOs are democratic institutions owned by members. You have a vote in how the SACCO is run and share in the profits through dividends.

SACCOs vs Banks: Quick Comparison

FeatureSACCOsBanks
Savings Returns10-20% dividends3-7% interest
Loan Interest Rate10-14% p.a.14-24% p.a.
Loan ApprovalBased on savingsCRB-dependent
OwnershipMember-ownedShareholder-owned
RegulatorSASRACBK

Frequently Asked Questions About SACCOs

What is a SACCO in Kenya?

A SACCO (Savings and Credit Co-operative) is a member-owned financial institution that pools savings from members and provides loans at competitive rates. Kenya has over 5,000 registered SACCOs, with 176+ deposit-taking SACCOs regulated by SASRA (Sacco Societies Regulatory Authority).

How do I join a SACCO in Kenya?

To join a SACCO: (1) Choose one that matches your profession or community. (2) Fill out a membership application form. (3) Pay the registration fee and minimum share capital. (4) Provide your national ID and passport photo. (5) Some SACCOs require a guarantor or employer letter.

What is the average SACCO dividend rate in Kenya?

SASRA reports an average dividend of 10.00% on share capital for regulated SACCOs in 2025 (10.46% in 2024), and 10.21% for deposit-taking SACCOs. The average interest paid on members' deposits was 6.72%. Source: SASRA SACCO Supervision Annual Report 2025.

Are SACCOs safe in Kenya?

Deposit-taking SACCOs licensed by SASRA are regulated and must meet capital adequacy and liquidity requirements. Always verify that a SACCO is SASRA-licensed before depositing money. Non-deposit-taking SACCOs are regulated by the Commissioner for Co-operatives.

What is the difference between FOSA and BOSA?

FOSA (Front Office Savings Activity) operates like a bank branch where you can deposit, withdraw, and transfer money. BOSA (Back Office Savings Activity) handles long-term savings through salary check-off and provides loans based on your savings multiplier.

How much can I borrow from a SACCO?

Most SACCOs lend 2-4 times your total savings. For example, if you have KES 500,000 in savings and your SACCO offers a 3x multiplier, you can borrow up to KES 1,500,000. Loan rates typically range from 10-14% p.a. on reducing balance.

Looking for Affordable Loans?

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