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Acumen DT Sacco Society Limited

Acumen DT Sacco Society Limited Membership

SACCO membership · Regulated by the SASRA

You join a member-owned co-op licensed by SASRA. It takes deposits and gives loans. The society publishes the basic joining terms on its website.

Hear when this changes

What to watch out for

  • Minimum monthly deposit is KES 2,000. Withdrawal of deposits is processed within 60 days after written notice.
  • Minimum shareholding is 200 shares at KES 100 each. Shares are not refundable; they can be transferred to another member.
  • The Account Opening Form shows an entrance fee of KES 1,000 / KES 2,000 but does not say which applies.

The details that matter for this kind of plan

Share capital
Minimum shareholding is 200 shares. Each share is KES 100. Shares are not refundable but are transferable. Shares earn dividends annually.
Minimum monthly deposit
KES 2,000 per month (Deposit Savings).
Withdrawal notice
Deposits are paid within 60 days after you give written notice and after clearing any loans/guarantees.
Rates published
No dividend or interest-on-deposits rate is posted on the site.

How to open this

  • then KES 2,000 a month
  • locked in for 2 months

What if you stop paying?

They do not say what happens if you stop monthly deposits. Ask before you join.

What if you need the money early?

Deposit withdrawals are paid within 60 days after you give written notice. Shares are not refundable; you can only transfer them to another member.

Who this suits

It could work for you if

You can put in at least KES 2,000 a month. You accept a 60-day wait to get deposits back. You are ready to build the required shareholding.

Think twice if

You need instant access to all your money. You want a clear posted entrance fee. You want a published dividend or interest-on-deposits rate.

What they tell you

  • What is the smallest amount you can start with?
    KES 2,000.
  • How long is your money tied up?
    2 months.
  • Do they say who regulates them?
    Yes — the SASRA. That is who you complain to.

Talk to them

Compared with the others

There are 222 other plans of this kind on the board. See all 223 side by side — what each one leaves you with, and which of them will not say.

What has changed here

  • 22 August 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • How long your money is tied up is now 2 months, and was not published before
    • Smallest monthly payment is now KES 2,000, and was not published before

We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.

What the documents actually say

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

Where we got this