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    SASRA Licensed Tier-1 Deposit-Taking Registry

    Find Your Ideal SACCO Partner

    Filter 30 licensed Kenyan Tier-1 SACCOs by dividend yield, deposit interest rates, FOSA mobile capabilities, and borrowing multipliers.

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    Showing 30 of 30 Tier-1 SACCOs
    Rank #1
    KES 76.3B Assets

    Mwalimu National

    Mwalimu National DT Sacco Society Ltd

    Mwalimu Towers, Hill Lane, Upper Hill, Nairobi
    Open Membership

    Teachers (post-primary, universities, colleges, TSC, Ministry of Education, open to all professionals)

    Dividend (Shares)11.2%
    Interest (Deposits)10.2%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 572572*633#Mobile App
    Rank #2
    KES 75.3B Assets

    Stima DT Sacco

    Stima Deposit-Taking Sacco Society Ltd

    Stima Sacco Plaza, Mushembi Road, Parklands, Nairobi
    Common Bond

    Energy sector (Kenya Power, KenGen, Ketraco, Geothermal) and open to general public, MSMEs, diaspora

    Dividend (Shares)15.0%
    Interest (Deposits)11.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,000
    Paybill: 400500*489#Mobile App
    Rank #3
    KES 66.4B Assets

    Kenya Police Sacco

    Kenya National Police DT Sacco Society Ltd

    Police Sacco Plaza, Ngong Road, Nairobi
    Common Bond

    National Police Service, Administration Police, DCI, KDF, security personnel, civilian public servants

    Dividend (Shares)17.0%
    Interest (Deposits)11.2%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 772277*653#Mobile App
    Rank #4
    KES 41.3B Assets

    Harambee DT Sacco

    Harambee Deposit-Taking Sacco Society Ltd

    Harambee Sacco Plaza, Uhuru Highway / Haile Selassie Avenue, Nairobi
    Common Bond

    Office of the President, Department of Defence, Civil Service, National Youth Service, general public

    Dividend (Shares)12.0%
    Interest (Deposits)8.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 300005*385#Mobile App
    Rank #5
    KES 34.6B Assets

    Tower DT Sacco

    Tower Deposit-Taking Sacco Society Ltd

    Ol'Kalou, Nyandarua County, Kenya
    Open Membership

    Central Kenya teachers originally, now open countrywide to civil servants, business owners, agricultural community

    Dividend (Shares)20.0%
    Interest (Deposits)13.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 323323*323#Mobile App
    Rank #6
    KES 29.6B Assets

    Unaitas DT Sacco

    Unaitas Deposit-Taking Sacco Society Ltd

    Cardinal Otunga Plaza, Nairobi / Murang'a, Kenya
    Open Membership

    Small-scale tea farmers in Murang'a originally (Muramati), now open national multi-sector community and MSMEs

    Dividend (Shares)11.5%
    Interest (Deposits)7.0%
    Loan MultiplierUp to 3x
    Min. MonthlyKES 1,000
    Paybill: 544700*544*70# or *493#Mobile App
    Rank #7
    KES 28.1B Assets

    Imarisha DT Sacco

    Imarisha Deposit-Taking Sacco Society Ltd

    Imarisha Building, Kericho Town, Kenya
    Common Bond

    Teachers in South Rift originally (Kericho Teachers), open to civil servants, tea/agribusiness farmers, MSMEs

    Dividend (Shares)14.5%
    Interest (Deposits)11.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 882600*882#Mobile App
    Rank #8
    KES 21.9B Assets

    Afya DT Sacco

    Afya Deposit-Taking Sacco Society Ltd

    Afya Centre, Tom Mboya Street, Nairobi
    Open Membership

    Ministry of Health, healthcare professionals, hospital staff, medical institutions, open to all professionals

    Dividend (Shares)11.5%
    Interest (Deposits)8.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 900500*667*5#Mobile App
    Rank #9
    KES 19.6B Assets

    UN DT Sacco

    United Nations Deposit-Taking Sacco Society Ltd

    UN Complex, Gigiri, Nairobi
    Common Bond

    Employees of United Nations agencies (UNEP, UN-Habitat, UNDP, UNICEF, WHO), diplomatic missions, international NGOs

    Dividend (Shares)12.5%
    Interest (Deposits)10.8%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 3,000
    Paybill: 577800*845#Mobile App
    Rank #10
    KES 18.7B Assets

    Hazina DT Sacco

    Hazina Deposit-Taking Sacco Society Ltd

    Hazina Complex, Kibera Road, off Ngong Road, Nairobi
    Common Bond

    Civil servants, ministries, parastatals, county employees, private sector and open membership

    Dividend (Shares)15.0%
    Interest (Deposits)10.6%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 850400*850#Mobile App
    Rank #11
    KES 18.4B Assets

    Mentor DT Sacco

    Mentor Deposit-Taking Sacco Society Ltd

    Mentor Complex, Murang'a Town, Kenya
    Common Bond

    Murang'a teachers originally, open to civil servants, MSMEs, corporate employees across Kenya

    Dividend (Shares)15.0%
    Interest (Deposits)12.3%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 300300*384*400#Mobile App
    Rank #12
    KES 18.4B Assets

    Gusii Mwalimu Sacco

    Gusii Mwalimu Deposit-Taking Sacco Society Ltd

    Gusii Mwalimu Plaza, Kisii Town, Kenya
    Open Membership

    Teachers in Kisii and Nyamira counties, now open to public service, healthcare workers, business sector

    Dividend (Shares)12.5%
    Interest (Deposits)9.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 332200*332#Mobile App
    Rank #13
    KES 17.9B Assets

    Trans Nation Sacco

    Trans Nation Deposit-Taking Sacco Society Ltd

    Chuka Town, Tharaka Nithi County, Kenya
    Open Membership

    Tharaka Nithi teachers originally, now open countrywide to civil servants, business community, agribusiness

    Dividend (Shares)13.5%
    Interest (Deposits)10.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 512200*512#Mobile App
    Rank #14
    KES 16.9B Assets

    Winas DT Sacco

    Winas Deposit-Taking Sacco Society Ltd

    Winas Plaza, Embu Town, Kenya
    Common Bond

    Embu teachers originally, open to civil servants, private professionals, agribusiness, MSMEs

    Dividend (Shares)13.0%
    Interest (Deposits)11.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 830300*830#Mobile App
    Rank #15
    KES 16.7B Assets

    Apstar DT Sacco

    Apstar Deposit-Taking Sacco Society Ltd (formerly Ukulima Sacco)

    Apstar (Ukulima) Centre, Haile Selassie Avenue, Nairobi
    Common Bond

    Ministry of Agriculture, research institutes (KALRO, KEPHIS), rebranded to Apstar in 2024 to welcome all sectors

    Dividend (Shares)11.5%
    Interest (Deposits)8.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 802200*802#Mobile App
    Rank #16
    KES 16.4B Assets

    IG DT Sacco

    Invest & Grow (IG) Deposit-Taking Sacco Society Ltd

    IG Plaza, Kakamega Town, Kenya
    Common Bond

    Kakamega teachers originally, rebranded to IG Sacco, now open membership across Western Kenya and nationwide

    Dividend (Shares)15.0%
    Interest (Deposits)11.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 985100*653# / *879#Mobile App
    Rank #17
    KES 16.1B Assets

    Imarika DT Sacco

    Imarika Deposit-Taking Sacco Society Ltd

    Imarika Plaza, Kilifi Town, Kenya
    Common Bond

    Kilifi teachers originally, now open to civil servants, tourism and coastal hospitality workers, MSMEs

    Dividend (Shares)14.0%
    Interest (Deposits)10.2%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 985200*847#Mobile App
    Rank #18
    KES 15.0B Assets

    Bandari DT Sacco

    Bandari Deposit-Taking Sacco Society Ltd

    Bandari Sacco Building, Moi Avenue, Mombasa
    Common Bond

    Kenya Ports Authority (KPA), maritime sector, shipping lines, logistics companies, open membership

    Dividend (Shares)18.0%
    Interest (Deposits)11.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 914200*638#Mobile App
    Rank #19
    KES 14.8B Assets

    Qwetu DT Sacco

    Qwetu Deposit-Taking Sacco Society Ltd

    Qwetu Building, Wundanyi / Voi, Taita Taveta County
    Open Membership

    Taita Taveta teachers originally, open community, tourism workers, miners, MSMEs

    Dividend (Shares)13.0%
    Interest (Deposits)10.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 300400*483*300#Mobile App
    Rank #20
    KES 14.7B Assets

    Boresha DT Sacco

    Boresha Deposit-Taking Sacco Society Ltd

    Boresha Plaza, Eldama Ravine, Baringo County
    Common Bond

    Baringo teachers originally, open to civil servants, pastoralist livestock farmers, agribusiness, MSMEs

    Dividend (Shares)12.5%
    Interest (Deposits)10.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 890900*890#Mobile App
    Rank #21
    KES 14.5B Assets

    DESACCO (Defence Sacco)

    Defence Forces Deposit-Taking Sacco Society Ltd (DESACCO)

    Defence Headquarters, Hurlingham / DOD, Nairobi
    Common Bond

    Kenya Defence Forces (KDF - Kenya Army, Kenya Air Force, Kenya Navy), Ministry of Defence civilian employees

    Dividend (Shares)12.0%
    Interest (Deposits)9.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 400200*384*22#Mobile App
    Rank #22
    KES 13.8B Assets

    Ollin DT Sacco

    Ollin Deposit-Taking Sacco Society Ltd

    Ollin Plaza, Kerugoya, Kirinyaga County
    Common Bond

    Kirinyaga teachers originally, open to civil servants, rice and coffee farmers, MSMEs, corporates

    Dividend (Shares)17.5%
    Interest (Deposits)12.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 955300*653# / *848#Mobile App
    Rank #23
    KES 13.5B Assets

    Univision DT Sacco

    Univision Deposit-Taking Sacco Society Ltd

    Univision Plaza, Meru Town, Kenya
    Common Bond

    Meru teachers originally (Meru Mwalimu), open to education professionals, civil servants, miraa/coffee farmers, MSMEs

    Dividend (Shares)13.5%
    Interest (Deposits)10.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 808800*808#Mobile App
    Rank #24
    KES 13.5B Assets

    Cosmopolitan DT Sacco

    Cosmopolitan Deposit-Taking Sacco Society Ltd

    Cosmopolitan Complex, Nakuru City, Kenya
    Open Membership

    Nakuru teachers originally, open to civil servants, private teachers, business community across Rift Valley

    Dividend (Shares)16.0%
    Interest (Deposits)12.1%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 982100*879#Mobile App
    Rank #25
    KES 13.0B Assets

    NewFortis DT Sacco

    NewFortis Deposit-Taking Sacco Society Ltd

    NewFortis Building, Nyeri Town, Kenya
    Common Bond

    Nyeri teachers originally, open to civil servants, private employees, MSMEs across Kenya

    Dividend (Shares)14.0%
    Interest (Deposits)13.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 1,500
    Paybill: 933200*845*2#Mobile App
    Rank #26
    KES 12.8B Assets

    Kimisitu DT Sacco

    Kimisitu Deposit-Taking Sacco Society Ltd

    Kimisitu at Woodlands, Woodlands Road, Kilimani, Nairobi
    Common Bond

    International NGOs (Oxfam, ActionAid, World Vision, CARE), research institutes (ICRAF), diplomatic missions, corporates, open membership

    Dividend (Shares)12.0%
    Interest (Deposits)9.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 914600*483*55#Mobile App
    Rank #27
    KES 12.6B Assets

    Mhasibu DT Sacco

    Mhasibu Deposit-Taking Sacco Society Ltd

    Mhasibu Complex, View Park Towers, Uhuru Highway, Nairobi
    Open Membership

    Institute of Certified Public Accountants of Kenya (ICPAK) members, audit firms, finance executives, open to all professionals

    Dividend (Shares)15.0%
    Interest (Deposits)10.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 519200*483*18#Mobile App
    Rank #28
    KES 11.5B Assets

    Sheria DT Sacco

    Sheria Deposit-Taking Sacco Society Ltd

    Sheria Sacco Building, Matumbato Close, Upper Hill, Nairobi
    Open Membership

    Judiciary, State Law Office, Office of Attorney General, Advocates, legal practitioners, Law Society of Kenya (LSK), open to all professionals

    Dividend (Shares)16.0%
    Interest (Deposits)10.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 561100*657#Mobile App
    Rank #29
    KES 11.2B Assets

    Kenya Bankers Sacco

    Kenya Bankers Deposit-Taking Sacco Society Ltd

    Kenya Bankers Complex, 3rd Ngong Avenue, Nairobi
    Common Bond

    Commercial banks, Central Bank of Kenya, microfinance banks, fintech institutions, corporate sector

    Dividend (Shares)13.0%
    Interest (Deposits)9.0%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 247247*206#Mobile App
    Rank #30
    KES 10.5B Assets

    Safaricom DT Sacco

    Safaricom Deposit-Taking Sacco Society Ltd

    Safaricom Care Centre, off Waiyaki Way, Nairobi
    Open Membership

    Safaricom PLC staff, Vodafone, tech and telecom sector professionals, fintech developers, open to all professionals and businesses

    Dividend (Shares)14.5%
    Interest (Deposits)10.5%
    Loan MultiplierUp to 4x
    Min. MonthlyKES 2,000
    Paybill: 714777*345#Mobile App