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    SASRA Tier 1 Verified Data

    Kenya Top 30 SACCOs Comparator

    Benchmarking Kenya's Tier 1 Deposit-Taking SACCOs by audited member deposits, asset accumulation, dividend on share capital, and deposit rebates.

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    Rank #1Reg: CS/2143

    Mwalimu National

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

    DepositsKSh 56.51B
    AssetsKSh 76.31B
    Div (Shares)11.2%
    Rebate (Dep)10.2%
    Paybill:572572
    USSD Code:*633#
    App:Mwalimu Mobile (Android & iOS)
    Portal
    Rank #2Reg: CS/2188

    Stima DT Sacco

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

    DepositsKSh 52.19B
    AssetsKSh 75.27B
    Div (Shares)15.0%
    Rebate (Dep)11.0%
    Paybill:400500
    USSD Code:*489#
    App:Stima Sacco Mobile (Android & iOS)
    Portal
    Rank #3Reg: CS/2092

    Kenya Police Sacco

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

    DepositsKSh 37.51B
    AssetsKSh 66.40B
    Div (Shares)17.0%
    Rebate (Dep)11.2%
    Paybill:772277
    USSD Code:*653#
    App:M-Tawi App (Android & iOS)
    Portal
    Rank #4Reg: CS/1917

    Harambee DT Sacco

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

    DepositsKSh 27.50B
    AssetsKSh 41.29B
    Div (Shares)12.0%
    Rebate (Dep)8.5%
    Paybill:300005
    USSD Code:*385#
    App:Harambee Mobile (Android & iOS)
    Portal
    Rank #5Reg: CS/2544

    Tower DT Sacco

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

    DepositsKSh 26.20B
    AssetsKSh 34.56B
    Div (Shares)20.0%
    Rebate (Dep)13.0%
    Paybill:323323
    USSD Code:*323#
    App:Tower Mobile (Android & iOS)
    Portal
    Rank #6Reg: CS/6555

    Unaitas DT Sacco

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

    DepositsKSh 20.80B
    AssetsKSh 29.60B
    Div (Shares)11.5%
    Rebate (Dep)7.0%
    Paybill:544700
    USSD Code:*544*70# or *493#
    App:Unaitas App (Android & iOS)
    Portal
    Rank #7Reg: CS/2866

    Imarisha DT Sacco

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

    DepositsKSh 18.50B
    AssetsKSh 28.14B
    Div (Shares)14.5%
    Rebate (Dep)11.0%
    Paybill:882600
    USSD Code:*882#
    App:Imarisha Mobile (Android & iOS)
    Portal
    Rank #8Reg: CS/2021

    Afya DT Sacco

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

    DepositsKSh 16.50B
    AssetsKSh 21.90B
    Div (Shares)11.5%
    Rebate (Dep)8.5%
    Paybill:900500
    USSD Code:*667*5#
    App:Afya M-Cash (Android & iOS)
    Portal
    Rank #9Reg: CS/2402

    UN DT Sacco

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

    DepositsKSh 15.20B
    AssetsKSh 19.60B
    Div (Shares)12.5%
    Rebate (Dep)10.8%
    Paybill:577800
    USSD Code:*845#
    App:UN SACCO Mobile (Android & iOS)
    Portal
    Rank #10Reg: CS/1585

    Hazina DT Sacco

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

    DepositsKSh 13.80B
    AssetsKSh 18.70B
    Div (Shares)15.0%
    Rebate (Dep)10.6%
    Paybill:850400
    USSD Code:*850#
    App:Hazina Mobile (Android & iOS)
    Portal
    Rank #11Reg: CS/2665

    Mentor DT Sacco

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

    DepositsKSh 12.90B
    AssetsKSh 18.40B
    Div (Shares)15.0%
    Rebate (Dep)12.3%
    Paybill:300300
    USSD Code:*384*400#
    App:Mentor Quick App (Android & iOS)
    Portal
    Rank #12Reg: CS/2744

    Gusii Mwalimu Sacco

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

    DepositsKSh 13.10B
    AssetsKSh 18.40B
    Div (Shares)12.5%
    Rebate (Dep)9.5%
    Paybill:332200
    USSD Code:*332#
    App:Gusii Mwalimu App (Android & iOS)
    Portal
    Rank #13Reg: CS/6755

    Trans Nation Sacco

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

    DepositsKSh 12.60B
    AssetsKSh 17.90B
    Div (Shares)13.5%
    Rebate (Dep)10.5%
    Paybill:512200
    USSD Code:*512#
    App:TN Mobile (Android & iOS)
    Portal
    Rank #14Reg: CS/2723

    Winas DT Sacco

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

    DepositsKSh 11.80B
    AssetsKSh 16.90B
    Div (Shares)13.0%
    Rebate (Dep)11.0%
    Paybill:830300
    USSD Code:*830#
    App:Winas Mobile (Android & iOS)
    Portal
    Rank #15Reg: CS/2056

    Apstar DT Sacco

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

    DepositsKSh 11.20B
    AssetsKSh 16.70B
    Div (Shares)11.5%
    Rebate (Dep)8.5%
    Paybill:802200
    USSD Code:*802#
    App:Apstar Mobile (formerly Ukulima Mobile)
    Portal
    Rank #16Reg: CS/2740

    IG DT Sacco

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

    DepositsKSh 11.50B
    AssetsKSh 16.40B
    Div (Shares)15.0%
    Rebate (Dep)11.0%
    Paybill:985100
    USSD Code:*653# / *879#
    App:IG Mobile (Android & iOS)
    Portal
    Rank #17Reg: CS/2180

    Imarika DT Sacco

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

    DepositsKSh 11.00B
    AssetsKSh 16.10B
    Div (Shares)14.0%
    Rebate (Dep)10.2%
    Paybill:985200
    USSD Code:*847#
    App:Imarika Mobile (Android & iOS)
    Portal
    Rank #18Reg: CS/2393

    Bandari DT Sacco

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

    DepositsKSh 10.50B
    AssetsKSh 15.00B
    Div (Shares)18.0%
    Rebate (Dep)11.5%
    Paybill:914200
    USSD Code:*638#
    App:Bandari Mobile (Android & iOS)
    Portal
    Rank #19Reg: CS/2547

    Qwetu DT Sacco

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

    DepositsKSh 9.90B
    AssetsKSh 14.80B
    Div (Shares)13.0%
    Rebate (Dep)10.0%
    Paybill:300400
    USSD Code:*483*300#
    App:Qwetu App (Android & iOS)
    Portal
    Rank #20Reg: CS/2550

    Boresha DT Sacco

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

    DepositsKSh 9.80B
    AssetsKSh 14.70B
    Div (Shares)12.5%
    Rebate (Dep)10.0%
    Paybill:890900
    USSD Code:*890#
    App:Boresha Mobile (Android & iOS)
    Portal
    Rank #21Reg: CS/23447

    DESACCO (Defence Sacco)

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

    DepositsKSh 10.20B
    AssetsKSh 14.50B
    Div (Shares)12.0%
    Rebate (Dep)9.5%
    Paybill:400200
    USSD Code:*384*22#
    App:DESACCO Mobile (Android & iOS)
    Portal
    Rank #22Reg: CS/2607

    Ollin DT Sacco

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

    DepositsKSh 9.10B
    AssetsKSh 13.80B
    Div (Shares)17.5%
    Rebate (Dep)12.0%
    Paybill:955300
    USSD Code:*653# / *848#
    App:Ollin Mobile (Android & iOS)
    Portal
    Rank #23Reg: CS/2722

    Univision DT Sacco

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

    DepositsKSh 8.90B
    AssetsKSh 13.50B
    Div (Shares)13.5%
    Rebate (Dep)10.5%
    Paybill:808800
    USSD Code:*808#
    App:Univision Mobile (Android & iOS)
    Portal
    Rank #24Reg: CS/2699

    Cosmopolitan DT Sacco

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

    DepositsKSh 9.20B
    AssetsKSh 13.50B
    Div (Shares)16.0%
    Rebate (Dep)12.1%
    Paybill:982100
    USSD Code:*879#
    App:Cosmopolitan Mobile (Android & iOS)
    Portal
    Rank #25Reg: CS/2587

    NewFortis DT Sacco

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

    DepositsKSh 8.80B
    AssetsKSh 13.00B
    Div (Shares)14.0%
    Rebate (Dep)13.0%
    Paybill:933200
    USSD Code:*845*2#
    App:NewFortis Mobile (Android & iOS)
    Portal
    Rank #26Reg: CS/4060

    Kimisitu DT Sacco

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

    DepositsKSh 8.50B
    AssetsKSh 12.80B
    Div (Shares)12.0%
    Rebate (Dep)9.5%
    Paybill:914600
    USSD Code:*483*55#
    App:Kimisitu Mobile (Android & iOS)
    Portal
    Rank #27Reg: CS/4236

    Mhasibu DT Sacco

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

    DepositsKSh 8.40B
    AssetsKSh 12.60B
    Div (Shares)15.0%
    Rebate (Dep)10.5%
    Paybill:519200
    USSD Code:*483*18#
    App:Mhasibu Mobile (Android & iOS)
    Portal
    Rank #28Reg: CS/2042

    Sheria DT Sacco

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

    DepositsKSh 7.80B
    AssetsKSh 11.50B
    Div (Shares)16.0%
    Rebate (Dep)10.0%
    Paybill:561100
    USSD Code:*657#
    App:Sheria Mobile (Android & iOS)
    Portal
    Rank #29Reg: CS/2405

    Kenya Bankers Sacco

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

    DepositsKSh 7.50B
    AssetsKSh 11.20B
    Div (Shares)13.0%
    Rebate (Dep)9.0%
    Paybill:247247
    USSD Code:*206#
    App:Kenya Bankers Mobile (Android & iOS)
    Portal
    Rank #30Reg: CS/9483

    Safaricom DT Sacco

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

    DepositsKSh 7.10B
    AssetsKSh 10.50B
    Div (Shares)14.5%
    Rebate (Dep)10.5%
    Paybill:714777
    USSD Code:*345#
    App:Safaricom Sacco App (Android & iOS)
    Portal
    Executive Advisory & Debt Restructuring

    Restructuring Expensive Commercial Bank Debt into a 12% SACCO Facility?

    Ramon Gitau provides confidential, end-to-end strategic advisory for institutional balance sheets, loan consolidations, and executive financial engineering.