PesaGuide
← All plans
Acumen DT Sacco Society Limited

Acumen DT Sacco Society Limited Membership

SACCO membership · Regulated by the SASRA

What is this?

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.

The details that matter for this kind of plan

Share capitalMinimum shareholding is 200 shares. Each share is KES 100. Shares are not refundable but are transferable. Shares earn dividends annually.
Minimum monthly depositKES 2,000 per month (Deposit Savings).
Withdrawal noticeDeposits are paid within 60 days after you give written notice and after clearing any loans/guarantees.
Rates publishedNo dividend or interest-on-deposits rate is posted on the site.

What does it cost you?

Acumen DT Sacco Society Limited does not publish what it charges. We looked for 3 charges and found no figure for any of them:

  • · Their Account Opening Form says: "I have enclosed Ksh. 1000 / Ksh.2000 being the entrance fee." It does not state which applies.
  • · The society’s website does not publish a management charge taken from members’ money.
  • · The society’s website does not publish an administration, welfare or other regular charge for membership.

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.

How openly does this company explain its charges?

DHides more than it shows7 of 13 answered
  • What do they charge you every year?
    The society’s website does not publish a management charge taken from members’ money.
  • What is taken off the money you pay in?
    Their Account Opening Form says: "I have enclosed Ksh. 1000 / Ksh.2000 being the entrance fee." It does not state which applies.
  • What does it cost to get out early?
    No exit penalty is printed in the sources we checked.
  • What is the smallest amount you can start with?
    KES 2,000.
  • How long is your money tied up?
    2 months.
  • Is the advertised return before or after their charges?
    This product does not advertise a return.
  • Do they warn you the return is not guaranteed?
    This product does not advertise a return.
  • Do they tell you what you get back if you stop early?
    You get whatever your money is worth on the day. There is no schedule.
  • Do they list what is not covered?
    This is not insurance, so there is nothing to exclude.
  • Are all their charges published?
    No. 3 charges are mentioned without a figure.
  • Do they say who regulates them?
    Yes — the SASRA. That is who you complain to.

This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.

Things to know before you sign

  • · 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.

Talk to them

  • If something goes wrong, the SASRA is who supervises them.

Compared with the others

There are 17 other plans of this kind on the board. See all 18 side by side — what each one leaves you with, and which of them will not say.

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.

  • “I have enclosed Ksh. 1000 / Ksh.2000 being the entrance fee.”
    Account Opening Form (PDF)the company itselfread 2026-08-22
  • “I WOULD WISH TO TERMINATE MY MEMBERSHIP WITH THE SOCIETY BY GIVING A 60 DAYS NOTICE OF MY INTENTIONS TO WITHDRAW COMMENCING TODAY”
    Withdrawal from Membership Form 2026 (PDF)the company itselfread 2026-08-22
  • “Minimum monthly contribution is Kes 2,000.”
    Deposit Savings pagethe company itselfread 2026-08-22
  • “Minimum shareholding per member is 200 shares . Each share is worth Kes 100”
    Share capital pagethe company itselfread 2026-08-22
  • “Withdrawal from this account is processed within 60 days after a written notice of withdrawal is received.”
    Deposit Savings pagethe company itselfread 2026-08-22

Where we got this