Compare 18 SASRA-regulated Kenyan SACCOs side by side: deposit interest, dividends on share capital, loan rates, minimum deposits and membership terms. Every figure carries its verified source and date — never a bare number.
| SACCO | Deposit Interest | Dividend | Loan Rate | Minimum | Source / Updated | |
|---|---|---|---|---|---|---|
| Tower SACCO Deposit Taking (DT-SACCO) · National |
13% | 20% | 12% · 4× savings | — | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
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| Yetu SACCO Deposit Taking (DT-SACCO) · National |
13% | 19% | 12.5% · 4× savings | — | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
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| Winas SACCO Deposit Taking (DT-SACCO) · National |
12.5% | 16% | 12% · 3× savings | — | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
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| Mentor SACCO Deposit Taking (DT-SACCO) · National |
12.4% | 15% | 12% · 3× savings | — 1,000/mo |
SACCO 2026 reports (livelife.ke, Jan 2026) 2026-01-09 |
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| Bandari DT SACCO Deposit Taking (DT-SACCO) · Mombasa |
12% | 18% | 12% · 3× savings | — 1,000/mo |
SACCO 2026 published reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
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| Stima DT SACCO Deposit Taking (DT-SACCO) · National |
11% | 16% | 12% · 4× savings | — 1,000/mo |
SACCO 2026 published reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
Research → |
| Kenya National Police DT SACCO Deposit Taking (DT-SACCO) · National |
11% | 17% | 12.5% · 4× savings | — | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
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| Imarisha SACCO Deposit Taking (DT-SACCO) · National |
11% | 14% | 12% · 3× savings | — | SACCO 2026 published reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
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| Hazina SACCO Deposit Taking (DT-SACCO) · National |
10.8% | 17% | 12% · 3× savings | — | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
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| Mwalimu National SACCO Deposit Taking (DT-SACCO) · National |
10% | 13% | 12% · 3× savings | KSh 1,000 1,000/mo |
SACCO 2026 annual report (livelife.ke, Jan 2026) 2026-01-09 |
Research → |
| Harambee DT SACCO Deposit Taking (DT-SACCO) · National |
8.5% | 12% | 12% · 3× savings | — | SACCO 2026 reports (livelife.ke, Jan 2026) 2026-01-09 |
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| Kenya Bankers SACCO Deposit Taking (DT-SACCO) · National |
8% | 12.5% | 11.5% · 3× savings | — | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 |
Research → |
Deposit interest is paid on savings held; dividends are a separate return on share capital. Rates are as-reported — confirm with the SACCO before joining. Full interactive comparison: live terminal → More → Kenya Financial Markets.
| SACCO | Dividend on Shares | Deposit Interest | Source / Updated | |
|---|---|---|---|---|
| Tower SACCO | 20% | 13% | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 | Research → |
| Yetu SACCO | 19% | 13% | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 | Research → |
| Bandari DT SACCO | 18% | 12% | SACCO 2026 published reports (saccoreview.co.ke, Mar 2026) 2026-03-01 | Research → |
| Kenya National Police DT SACCO | 17% | 11% | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 | Research → |
| Hazina SACCO | 17% | 10.8% | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 | Research → |
| Stima DT SACCO | 16% | 11% | SACCO 2026 published reports (saccoreview.co.ke, Mar 2026) 2026-03-01 | Research → |
| Winas SACCO | 16% | 12.5% | SACCO 2026 reports (saccoreview.co.ke, Mar 2026) 2026-03-01 | Research → |
| Mentor SACCO | 15% | 12.4% | SACCO 2026 reports (livelife.ke, Jan 2026) 2026-01-09 | Research → |
| Imarisha SACCO | 14% | 11% | SACCO 2026 published reports (saccoreview.co.ke, Mar 2026) 2026-03-01 | Research → |
| Mwalimu National SACCO | 13% | 10% | SACCO 2026 annual report (livelife.ke, Jan 2026) 2026-01-09 | Research → |
| SACCO | Loan Rate | Multiplier | Eligibility | |
|---|---|---|---|---|
| Tower SACCO | 12% | 4× savings | Open membership (highest reported returns, fastest Tier-1 growth) | Research → |
| Yetu SACCO | 12.5% | 4× savings | Open membership (MSME focus) | Research → |
| Winas SACCO | 12% | 3× savings | Open membership (regional strength) | Research → |
| Mentor SACCO | 12% | 3× savings | Open membership | Research → |
| Bandari DT SACCO | 12% | 3× savings | Port and transport sector; coastal membership | Research → |
| Stima DT SACCO | 12% | 4× savings | Open membership (energy sector heritage); USSD *492# | Research → |
| Kenya National Police DT SACCO | 12.5% | 4× savings | National Police Service members and spouses; USSD *653# | Research → |
| Imarisha SACCO | 12% | 3× savings | Open membership | Research → |
| Hazina SACCO | 12% | 3× savings | Open membership | Research → |
| Mwalimu National SACCO | 12% | 3× savings | Teachers and education sector (open to general membership) | Research → |
| Harambee DT SACCO | 12% | 3× savings | Civil servants and general membership | Research → |
| Kenya Bankers SACCO | 11.5% | 3× savings | Banking industry employees | Research → |
Model what your savings could earn: simple interest on deposits plus dividends on share capital. Use the interactive calculator in the live terminal (More → Kenya Financial Markets → Calculator → SACCO).
A Savings and Credit Co-operative Society — a member-owned financial co-operative where members save and borrow together, sharing annual profits as dividends on shares and interest on deposits. Deposit-taking SACCOs are regulated by SASRA.
Deposit interest is paid on the money you save; dividends are paid on the shares you hold. A SACCO may pay 11% on deposits and 16% on shares — these are distinct figures.
Most Kenyan SACCOs lend 3–4× your savings and share capital (e.g. 4× for top performers), often at rates below 12% reducing balance. Loan access depends on the SACCO's rules and your savings history.
Deposit-taking SACCOs are licensed and supervised by SASRA (the SACCO Societies Regulatory Authority). Deposits are not covered by the Kenya Deposit Insurance Corporation (KDIC) — that covers banks — so diversification matters. Figures on this page carry their source and verification date.
Figures come from SACCO 2026 reports (saccoreview.co.ke, Mar 2026) (updated 2026-03-01), cross-checked against SASRA licensing and each SACCO's published disclosures where available. Confirm with the SACCO before joining — published rates can change.