Join a SACCO

Member-owned co-ops: yearly payouts on your savings, and loans against them.

18 plans we have researched

Same example for every plan: KES 5,000 a month for 5 years

Tower Sacco Membership
Tower Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 500/moNothing back for 2 monthsCharges not published13%, proposed after the year endedPaid on shares for 2025: 20%, the same as 2024Only by leaving, on 60 days' notice
Mhasibu DT Sacco Membership
Mhasibu DT Sacco Society Ltd
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 3,000/moMonthly deposit: At least KES 3,000.
Sheria Sacco Membership
Sheria Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 20,000 to startNothing back for 2 monthsCharges not publishedPaid on deposits for 2024: 11%, up from 9.5% in 2023Paid on shares for 2024: 16%, the same as 2023
Harambee Sacco Membership
Harambee DT Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 30,000 to startCharges not publishedPaid on deposits for 2024: 9%, pro rata by monthPaid on shares for 2024: 15%Every month, on top of savings: KES 300 to the sink fund
Hazina Sacco Membership
Hazina Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 1,000/moNothing back for 2 monthsCharges not publishedDeclared rates: Not published on the pages readEvery month, on top: KES 200 to the welfare fund
Kimisitu Sacco Membership
Kimisitu DT Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 2,000/moNothing back for 2 monthsCharges not publishedDeclared rates: Not published on its site
Kenya National Police Sacco Membership
Kenya National Police DT Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 50,000 to startCharges not publishedPaid on deposits for 2024: 11%, the same as 2023Paid on shares for 2024: 17%, the same as 2023
Stima Sacco Membership
Stima DT Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 25,000 to startCharges not published11%, declared after the year ended16%, declared after the year ended
Waumini Sacco Membership
Waumini Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 1,000/moCharges not publishedEvery month, on top: KES 100 to the insurance risk fundDeclared rates: Not published on any page read
Ardhi Sacco Membership
Ardhi Sacco Society Ltd
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 3,000/moListed as a deposit-taking SACCO by SASRA for 2026At least 250 shares of KSh 20 each (minimum KSh 5,000).
Nacico Sacco Membership
Nacico Sacco Society Ltd
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 3,000/moJoining fee: KES 400 one-offMinimum monthly deposit: KES 3,000Benevolent fund: KES 250 per month
Acumen DT Sacco Society Limited Membership
Acumen DT Sacco Society Limited
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 2,000/moNothing back for 2 monthsCharges not publishedKES 2,000 per month (Deposit Savings).
Unaitas Sacco Membership
Unaitas Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
Cost not publishedCharges not publishedNot stated anywhere in the report or on the pages read
Wanandege Sacco Membership
Wanandege Sacco Society Ltd
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 50,000 to startListed as a deposit-taking SACCO by SASRA for 2026Minimum share capital: KES 50,000 to be a full member
2NK Sacco Membership
2NK Sacco Society Ltd
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 2,000 to startCharges not publishedKSh 2,000 — set by AGM 2024 minutesKSh 5,000 — set by AGM 2024 minutes
Bandari Sacco Membership
Bandari Sacco Society Ltd
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 1,500/moCharges not publishedListed as a deposit-taking SACCO by SASRA for 2026
Imarisha Sacco Membership
Imarisha Sacco Society Ltd
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
Cost not publishedCharges not publishedListed as a deposit-taking SACCO by SASRA for 2026Not published in SASRA's licence register
Mwalimu National Sacco Membership
Mwalimu National DT Sacco
SACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
Cost not publishedCharges not publishedAnnual reports: Its annual-reports page lists none

158 more we know of but have not researched

These are on a regulator's list or the stock exchange, so we can tell you they are supervised. We have not been to any of them to find out what they charge or what they pay, which is why they are not on the board above.

158 entries

Licensed SACCOs

158

Join a SACCO

18 plans we have researched

Tower Sacco Membership

Mhasibu DT Sacco Membership

Sheria Sacco Membership

Harambee Sacco Membership

Hazina Sacco Membership

Kimisitu Sacco Membership

Kenya National Police Sacco Membership

Stima Sacco Membership

Waumini Sacco Membership

Ardhi Sacco Membership

Nacico Sacco Membership

Acumen DT Sacco Society Limited Membership

Unaitas Sacco Membership

Wanandege Sacco Membership

2NK Sacco Membership

Bandari Sacco Membership

Imarisha Sacco Membership

Mwalimu National Sacco Membership

158 more we know of but have not researched

Licensed SACCOs