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Stima DT Sacco

Stima Sacco Membership

SACCO membership · Regulated by the SASRA

It has paid
11% a year
their figure, before charges

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.

Hear when this changes

What to watch out for

  • 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.

The details that matter for this kind of plan

Core Capital to Total Assets (CCA) 2025
20.19%
Core Capital to Total Deposits (CCD) 2025
29.12%
Institutional Capital to Total Assets (ICA) 2025
12.84%
External Borrowing to Total Assets 2025
1.39%
NPL Ratio 2025
6.48%

How to open this

  • Open with KES 25,000

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Deposits can be withdrawn if no loan is secured on them.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 KES 25,000 of what you put in can only ever be sold on, not withdrawn.

What they tell you

  • What is the smallest amount you can start with?
    KES 25,000.
  • Is the advertised return before or after their charges?
    Before charges. Their fees still come off this.
  • 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.

How current is this rate?

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

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