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Unaitas Sacco

Unaitas Sacco Membership

SACCO membership · Regulated by the SASRA

What is this?

You join a co-op owned by its members, the largest in Africa by membership. You pay a joining fee and buy shares, then save. The 2023 report proposed about 7.8% on shares. The site does not say what deposits earn.

The details that matter for this kind of plan

Size400,000+ members and 1.2 million accounts — the largest Sacco in Africa by membership, per its own report
Paid on shares for 2023About 7.8%, from the dividend proposed in its own annual report
Paid on depositsNot stated anywhere in the report or on the pages read
Newest report served2023 — the 2025 and 2024 links on its own annual-reports page return 404
Where to joinAny adult Kenyan, starting with a minimum membership fee via Mpesa paybill 544700 — amount not stated
Branches29 branches in 13 counties

What does it cost you?

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

  • · 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.
  • · The opening-an-account page says a minimum membership fee is payable via Mpesa paybill 544700, but no amount is given.

What if you stop paying?

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

What if you need the money early?

Deposits come back when you leave, with no notice period stated. Shares are not refunded; you sell them to another member.

Who this suits

It could work for you if

You want a large, established Sacco with branches across the country, and you will ask what deposits earn.

Think twice if

You want the declared rate on deposits before you join. It is not on the site.

How openly does this company explain its charges?

DHides more than it shows8 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?
    The opening-an-account page says a minimum membership fee is payable via Mpesa paybill 544700, but no amount is given.
  • 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?
    They do not publish a minimum. You have to ask an agent.
  • 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 7.8% is derived from the dividend proposed in the 2023 annual report: KES 316,872,140 on share capital of KES 4,067,127,204. The report does not state a rate on deposits.
  • · The annual-reports page lists 2025 and 2024 reports, but both PDF links return 404. The newest report the site actually serves is for 2023.
  • · Joining starts with a minimum membership fee via Mpesa paybill 544700. The amount is not stated on the page.
  • · Deposits back loans and are refunded when you leave, provided all debts are cleared. No notice period is stated.
  • · Unaitas is entry 155 on SASRA's 2026 register of licensed deposit-taking Saccos, and its own report says it is licensed and regulated by SASRA.

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 7.8% on this page is the rate Unaitas Sacco last declared, as at 2023-12-31 — over 2 years old.

The dividend proposed for 2023 in the Sacco's own annual report: KES 316,872,140 on share capital of KES 4,067,127,204, about 7.8%. The report does not state a rate on deposits anywhere in its text. Declared after the year ended; nothing says next year matches..

This is the most recent figure Unaitas Sacco publishes, not the most recent figure that exists. Ask them what the current rate is before you decide anything on the strength of it.

Where we got this