Compare Kenyan SACCOs, money market funds, Treasury Bills, Treasury Bonds and savings options with current rates, verified sources, calculators and AI-powered market research.
Regulated deposit-taking SACCOs (SASRA) with reported deposit interest, dividends on share capital, loan rates and minimum contributions. Every figure carries its source and verification date.
CMA-licensed collective investment schemes. Yields are shown with their exact metric and period (e.g. effective annual yield, June 2026, gross before 15% withholding tax) — never a bare number.
Central Bank of Kenya auction data for the 91-day, 182-day and 364-day tenors: latest accepted rate, previous auction rate, change, auction and maturity dates, and the KSh 100,000 minimum investment. T-bills are discount instruments priced on Actual/365.
Fixed-coupon government bonds reopened by CBK, with coupon, tenor, maturity, payment frequency and tax treatment. Remember: coupon ≠ current yield — the coupon is fixed at issue, while current yield moves with the market price.
The current CBK-licensed commercial banks, presented as banking/savings options — not as investment products. Indicative fixed-deposit ranges are shown where publicly reported.
Real mathematics for SACCO deposits (simple interest), T-bills (discount + effective annualised), Treasury bonds (coupon income), MMFs and fixed deposits (compound interest A = P(1 + r/n)^(nt)) — with tax and source attribution. Try the KSh 100,000 illustrative comparison.
A Savings and Credit Co-operative Society — a member-owned financial co-operative. Members save and borrow together, and share annual profits as dividends on share capital and interest on deposits.
Dividends are paid on your share capital out of the SACCO's annual surplus, at a rate approved by members (e.g. 13–20% for top performers). Deposit interest is a separate return paid on your savings.
Deposit interest is paid on the money you save/deposit; dividends are paid on the shares you hold. A SACCO may pay 11% on deposits and 16% on shares — these are distinct figures.
A short-term government security (91, 182 or 364 days in Kenya) sold at a discount to face value. You receive the full face value at maturity; the difference is your return.
The tenor — 91 days vs a full year. Longer tenors usually pay higher rates (e.g. 8.82% vs 9.06% at the July 2026 auctions) and lock your money for longer.
A longer-dated government security (5–30 years) that pays a fixed coupon, usually semi-annually, and returns the principal at maturity. Bond prices move with market yields.
T-bills are short-term discount instruments (≤1 year, no periodic coupons); bonds are longer-term coupon instruments (≥2 years). Bond prices fluctuate with rates; T-bills are held to a known maturity value.
A CMA-regulated collective investment scheme that pools money into short-term, low-risk instruments (T-bills, bank deposits, commercial paper). Liquidity is typically T+1 to T+3, and minimums start at KSh 100.
At current rates: roughly KSh 9,035 in a 364-day T-bill (~9.06%), about KSh 8,800–13,200 in top MMFs (gross), or deposit interest plus dividends in a SACCO. Use the Angaza Hisa calculator for instrument-specific figures with sources.
Kenyan government bonds carry sovereign credit risk, not "risk-free" status. The government has a strong domestic repayment record, but bond prices also fall when market yields rise, so holding to maturity vs selling early matters.
Bond price = present value of future coupon payments + present value of the principal repayment, discounted at the market yield. Between coupon dates you pay the dirty price (clean price + accrued interest).
Angaza Hisa is an analytical tool, not investment advice. Data may be delayed or incomplete. Figures verified from official sources where stated.