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Stima DT Sacco

Stima Sacco Membership

SACCO membership · Regulated by the SASRA

What is this?

You join a co-op owned by its members. You buy shares once and save every month. Each year the surplus is shared out: 16% on shares and 11% on deposits for 2025. Most people join for the loans, which are a multiple of what you have saved.

The details that matter for this kind of plan

Paid on deposits for 202511%, declared after the year ended
Paid on shares for 202516%, declared after the year ended
What it takes to joinKES 25,000 of share capital — 50 shares at KES 500
Your shares never come backNon-refundable even when you leave. You can only sell them to another member
What deposits are forThey multiply what you can borrow, and they secure it
When you get paidOnce a year, after the AGM votes the rate

What does it cost you?

Stima DT Sacco does not publish what it charges. We looked for 2 charges and found no figure for any of them:

  • · Payouts arrive net of "taxes, processing fees and Risk Fund contributions". None of the three is quantified on the pages read.
  • · A co-op has no management fee in the fund sense; its running costs come out of the surplus before the rate is declared, and are not itemised for members on these pages.

What if you stop paying?

Your shares and deposits stay, and keep earning whatever is declared. Loans need you in good standing.

What if you need the money early?

Deposits can be withdrawn if no loan is secured on them. Your share capital never comes back — leaving means finding another member to buy your shares.

Who this suits

It could work for you if

You want a yearly payout that has beaten most funds here, and you may want to borrow against your savings.

Think twice if

You may need everything back. KES 25,000 of what you put in can only ever be sold on, not withdrawn.

How openly does this company explain its charges?

CLeaves real gaps9 of 15 answered
  • What do they charge you every year?
    A co-op has no management fee in the fund sense; its running costs come out of the surplus before the rate is declared, and are not itemised for members on these pages.
  • What is taken off the money you pay in?
    Payouts arrive net of "taxes, processing fees and Risk Fund contributions". None of the three is quantified on the pages read.
  • 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 25,000.
  • How long is your money tied up?
    They do not say how long you are tied in.
  • Is the advertised return before or after their charges?
    Before charges. Their fees still come off this.
  • Do they warn you the return is not guaranteed?
    No warning appears next to the figure, even though it is not a promise.
  • 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. 2 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

  • · The 16% and 11% are last year's declared rates, voted after the year ended. Nothing says next year matches them.
  • · Payouts arrive net of taxes, processing fees and Risk Fund contributions. The pages do not say how large those deductions are.
  • · Share capital is non-refundable even on exit, and cannot secure a loan. Only a transfer to another member gets it out.
  • · Payouts under KES 1,000 are automatically reinvested rather than paid.
  • · Corporates need KES 50,000 of share capital; individuals and groups KES 25,000.
  • · Stima is a deposit-taking Sacco supervised by SASRA, though these pages do not say so.

Talk to 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.

How current is this rate?

The 11% on this page is the rate Stima DT Sacco last declared, as at 2025-11-30 — 9 months old.

What the Sacco paid on Alpha Deposits for the year to November 2025, voted at the AGM after the year ended. It is not a promise about next year, and the payout arrives net of taxes, processing fees and Risk Fund contributions. Share capital earned 16% the same year..

Where we got this