120 guides
SACCOs guides
Membership, loans, dividends and deposits for Kenyan SACCOs, and how to pay into them by M-PESA.
- Afya Sacco dividends and interest on deposits (Kenya 2026)How Afya Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is a PDF or an internal AGM circular. Verified 26 August 2026.
- Afya Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsAfya Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Afya Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Afya Sacco, a SASRA-licensed Deposit-Taking SACCO serving the Ministry of Health and health-sector staff. Eligibility, entry fee, minimum share capital, monthly contributions, member benefits and what the SACCO Societies Act 2008 guarantees you as a member. Verified 26 August 2026.
- Amica Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsAmica Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Amica Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Amica Sacco, a SASRA-licensed Deposit-Taking SACCO serving Murang’a County and the wider central Kenya region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Bandari Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsBandari Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Bandari Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Bandari Sacco, a SASRA-licensed Deposit-Taking SACCO serving Mombasa County. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Bingwa Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsBingwa Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Bingwa Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Bingwa Sacco, a SASRA-licensed Deposit-Taking SACCO serving Kirinyaga County and the wider central Kenya region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Boresha Sacco dividends and interest on deposits (Kenya 2026)How Boresha Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Boresha Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsBoresha Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Boresha Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Boresha Sacco, a SASRA-licensed Deposit-Taking SACCO serving the tea-industry (originally KTB, Kenya Tea Board) and now general. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Chai Sacco dividends and interest on deposits (Kenya 2026)How Chai Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Chai Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsChai Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Chai Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Chai Sacco, a SASRA-licensed Deposit-Taking SACCO serving the tea sector (KTDA and tea industry). Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Cosmopolitan Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsCosmopolitan Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Cosmopolitan Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Cosmopolitan Sacco, a SASRA-licensed Deposit-Taking SACCO serving Nakuru County and the wider Rift Valley region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Daima Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsDaima Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Daima Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Daima Sacco, a SASRA-licensed Deposit-Taking SACCO serving Embu County and the wider Mount Kenya East region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Fortune Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsFortune Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Fortune Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Fortune Sacco, a SASRA-licensed Deposit-Taking SACCO serving Kirinyaga County. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Gusii Mwalimu Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsGusii Mwalimu Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Gusii Mwalimu Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Gusii Mwalimu Sacco, a SASRA-licensed Deposit-Taking SACCO serving Kisii, Nyamira and the wider Gusii region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Harambee Sacco dividends and interest on deposits (Kenya 2026)How Harambee Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is a PDF or an internal AGM circular. Verified 26 August 2026.
- Harambee Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsHarambee Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Harambee Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Harambee Sacco, a SASRA-licensed Deposit-Taking SACCO serving the civil service (Office of the President originally). Eligibility, entry fee, minimum share capital, monthly contributions, member benefits and what the SACCO Societies Act 2008 guarantees you as a member. Verified 26 August 2026.
- Hazina Sacco dividends and interest on deposits (Kenya 2026)How Hazina Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Hazina Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsHazina Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Hazina Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Hazina Sacco, a SASRA-licensed Deposit-Taking SACCO serving the National Treasury and wider public service. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- How to deposit to Biashara Sacco via M-PESA (paybill 400300), 2026Paying into Biashara Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 400300, and it covers deposits, loan repayments, and shares.
- How to deposit to Chai Sacco via M-PESA (paybill 544200), 2026Paying into Chai Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 544200, and it covers deposits, loan repayments, and shares.
- How to deposit to Gusii Mwalimu Sacco via M-PESA (paybill 283052), 2026Paying into Gusii Mwalimu Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 283052, and it covers deposits, loan repayments, and shares.
- How to deposit to Harambee Sacco via M-PESA (paybill 525200), 2026Paying into Harambee Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 525200. The same flow covers deposits, loan repayments, and share contributions.
- How to deposit to Hazina Sacco via M-PESA (paybill 850436), 2026Paying into Hazina Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 850436. The same flow covers deposits, loan repayments, and share contributions.
- How to deposit to Kenya Bankers Sacco via M-PESA (paybill 400444), 2026Paying into Kenya Bankers Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 400444, and it covers deposits, loan repayments, and shares.
- How to deposit to Kenya Police Sacco via M-PESA (paybill 4027903), 2026Paying into Kenya Police Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 4027903. The same flow covers deposits, loan repayments, and share contributions.
- How to deposit to Kimisitu Sacco via M-PESA (paybill 911200), 2026Paying into Kimisitu Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 911200. The same flow covers deposits, loan repayments, and share contributions.
- How to deposit to Mwalimu National Sacco via M-PESA (paybill 541900), 2026Paying into Mwalimu National Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 541900. The same flow covers deposits, loan repayments, and share contributions.
- How to deposit to Stima Sacco via M-PESA (paybill 0240240), 2026Paying into Stima Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 0240240. The same flow covers deposits, loan repayments, and share contributions.
- How to deposit to Tower Sacco via M-PESA (paybill 885885), 2026Paying into Tower Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 885885. The same flow covers deposits, loan repayments, and share contributions.
- How to deposit to Unaitas via M-PESA (paybill 544700), 2026Paying into Unaitas from M-PESA is a Pay Bill with your member number in the account field. The paybill is 544700. The same flow covers deposits, loan repayments, and share contributions.
- How to join a SACCO in Kenya (2026): step-by-step, fees, share capitalA practical 2026 walkthrough of joining a SASRA-licensed Deposit-Taking SACCO in Kenya, from picking the SACCO to your first loan.
- Imarisha Sacco dividends and interest on deposits (Kenya 2026)How Imarisha Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Imarisha Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsImarisha Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Imarisha Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Imarisha Sacco, a SASRA-licensed Deposit-Taking SACCO serving the tea sector, Kericho origin. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Kenya Bankers Sacco dividends and interest on deposits (Kenya 2026)How Kenya Bankers Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Kenya Bankers Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsKenya Bankers Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Kenya Bankers Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Kenya Bankers Sacco, a SASRA-licensed Deposit-Taking SACCO serving the banking sector and now general. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Kenya Defence Forces Sacco dividends and interest on deposits (Kenya 2026)How Kenya Defence Forces Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Kenya Defence Forces Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsKenya Defence Forces Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Kenya Defence Forces Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Kenya Defence Forces Sacco, a SASRA-licensed Deposit-Taking SACCO serving the Kenya Defence Forces (KDF) and civilian staff of the Ministry of Defence. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Kenya Police Sacco dividends and interest on deposits (Kenya 2026)How Kenya Police Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is a PDF or an internal AGM circular. Verified 26 August 2026.
- Kenya Police Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsKenya Police Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Kenya Police Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Kenya Police Sacco, a SASRA-licensed Deposit-Taking SACCO serving the National Police Service, Prisons, NIS, and their families. Eligibility, entry fee, minimum share capital, monthly contributions, member benefits and what the SACCO Societies Act 2008 guarantees you as a member. Verified 26 August 2026.
- Kimbilio Daima Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsKimbilio Daima Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Kimbilio Daima Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Kimbilio Daima Sacco, a SASRA-licensed Deposit-Taking SACCO serving Bomet and Kericho counties. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Kimisitu Sacco dividends and interest on deposits (Kenya 2026)How Kimisitu Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Kimisitu Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsKimisitu Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Kimisitu Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Kimisitu Sacco, a SASRA-licensed Deposit-Taking SACCO serving the NGO and international-development sector. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Kingdom Sacco loans (Kenya 2026): rates, multiplier and securityKingdom Sacco lends at 12 percent a year on a reducing balance, 3 to 10 times your savings after three months, secured by savings, a title deed, a logbook or guarantors. Corrected 7 October 2026 from the SACCO's own published figures.
- Kingdom Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Kingdom Sacco, the faith-based SASRA-licensed DT-SACCO founded by Life Reformation Church in 1999. App registration, no payslip and the real fees. Corrected 7 October 2026 from the SACCO's own published figures.
- Mafanikio Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsMafanikio Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Mafanikio Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Mafanikio Sacco, a SASRA-licensed Deposit-Taking SACCO serving Mombasa County and the wider Coast region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Magereza Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsMagereza Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Magereza Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Magereza Sacco, a SASRA-licensed Deposit-Taking SACCO serving nationwide, headquartered in Nairobi. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Mwalimu National Sacco dividends and interest on deposits (Kenya 2026)How Mwalimu National Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is a PDF or an internal AGM circular. Verified 26 August 2026.
- Mwalimu National Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsMwalimu National Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Mwalimu National Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Mwalimu National Sacco, a SASRA-licensed Deposit-Taking SACCO serving the teachers (TSC-paid and private). Eligibility, entry fee, minimum share capital, monthly contributions, member benefits and what the SACCO Societies Act 2008 guarantees you as a member. Verified 26 August 2026.
- Nation Sacco dividends and interest on deposits (Kenya 2026)How Nation Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Nation Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsNation Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Nation Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Nation Sacco, a SASRA-licensed Deposit-Taking SACCO serving the Nation Media Group and wider media sector. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Nawiri Sacco dividends and interest on deposits (Kenya 2026)How Nawiri Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Nawiri Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsNawiri Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Nawiri Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Nawiri Sacco, a SASRA-licensed Deposit-Taking SACCO serving the Nakuru region, general membership. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Nyati Sacco dividends and interest on deposits (Kenya 2026)How Nyati Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Nyati Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsNyati Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Nyati Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Nyati Sacco, a SASRA-licensed Deposit-Taking SACCO serving the Kenya Airways and aviation-adjacent (KAA, KCAA, ground handling). Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Ollin Sacco dividends and interest on deposits (Kenya 2026)How Ollin Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Ollin Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsOllin Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Ollin Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Ollin Sacco, a SASRA-licensed Deposit-Taking SACCO serving the county-government and public service (Nyeri origin). Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Ports Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsPorts Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Ports Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Ports Sacco, a SASRA-licensed Deposit-Taking SACCO serving Mombasa County, with a Coast-region member base. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- SACCO dividend explained (Kenya 2026): shares vs deposits, AGM, taxHow Kenyan SACCOs actually pay dividends, the AGM cycle, the shares-vs-deposits distinction, and how withholding tax works.
- SACCO FOSA vs BOSA explained (Kenya 2026): the two windows of a DT-SACCOFOSA is the SASRA-regulated quasi-banking front office of a DT-SACCO. BOSA is the traditional co-operative back office. This guide explains what each does, why the distinction exists, and how they interact for a member. Verified 26 August 2026.
- SACCO loan vs bank loan vs mobile app (Kenya 2026): which is actually cheapestA worked comparison of Kenyan borrowing options in 2026, honest on flat vs reducing balance.
- SACCO share capital vs deposits explained (Kenya 2026)Every Kenyan DT-SACCO account is really two accounts: share capital (ownership, paid a dividend) and deposits (savings, paid interest). What each is, minimum share capital norms, withdrawal implications, and what happens when you leave. Verified 26 August 2026.
- Sheria Sacco dividends and interest on deposits (Kenya 2026)How Sheria Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is a PDF or an internal AGM circular. Verified 26 August 2026.
- Sheria Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsSheria Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Sheria Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Sheria Sacco, a SASRA-licensed Deposit-Taking SACCO serving the judiciary and legal sector (State Law Office, Judiciary, ODPP). Eligibility, entry fee, minimum share capital, monthly contributions, member benefits and what the SACCO Societies Act 2008 guarantees you as a member. Verified 26 August 2026.
- Stima Sacco dividends and interest on deposits (Kenya 2026)How Stima Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is a PDF or an internal AGM circular. Verified 26 August 2026.
- Stima Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsStima Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Stima Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Stima Sacco, a SASRA-licensed Deposit-Taking SACCO serving the electricity sector (originally Kenya Power). Eligibility, entry fee, minimum share capital, monthly contributions, member benefits and what the SACCO Societies Act 2008 guarantees you as a member. Verified 26 August 2026.
- Taifa Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsTaifa Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Taifa Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Taifa Sacco, a SASRA-licensed Deposit-Taking SACCO serving Nyeri County and the wider Mount Kenya region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Top SACCOs in Kenya 2026: paybill numbers, dividends, and how to joinThe largest and best-performing SACCOs in Kenya, paybill numbers, dividend rates, loan multipliers, and how to choose.
- Tower Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsTower Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Tower Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Tower Sacco, a SASRA-licensed Deposit-Taking SACCO serving Nyandarua County and the wider Rift Valley region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Trans Nation Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsTrans Nation Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Trans Nation Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Trans Nation Sacco, a SASRA-licensed Deposit-Taking SACCO serving Tharaka-Nithi and Meru counties. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Ukulima Sacco dividends and interest on deposits (Kenya 2026)How Ukulima Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is a PDF or an internal AGM circular. Verified 26 August 2026.
- Ukulima Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsUkulima Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Ukulima Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Ukulima Sacco, a SASRA-licensed Deposit-Taking SACCO serving the agriculture (Ministry of Agriculture and agri-parastatals). Eligibility, entry fee, minimum share capital, monthly contributions, member benefits and what the SACCO Societies Act 2008 guarantees you as a member. Verified 26 August 2026.
- Unaitas Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsUnaitas Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Unaitas Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Unaitas Sacco, a SASRA-licensed Deposit-Taking SACCO serving nationwide, Nairobi headquarters. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Wakenya Pamoja Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsWakenya Pamoja Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Wakenya Pamoja Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Wakenya Pamoja Sacco, a SASRA-licensed Deposit-Taking SACCO serving Kisii, Nyamira and the wider Gusii region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Wakulima Commercial Sacco dividends and interest on deposits (Kenya 2026)How Wakulima Commercial Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is the AGM circular. Verified 26 August 2026.
- Wakulima Commercial Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsWakulima Commercial Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Wakulima Commercial Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Wakulima Commercial Sacco, a SASRA-licensed Deposit-Taking SACCO serving the agriculture (Muranga and Central Kenya coffee/dairy). Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Wanaanga Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsWanaanga Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Wanaanga Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Wanaanga Sacco, a SASRA-licensed Deposit-Taking SACCO serving nationwide, Nairobi headquarters (Kenya Meteorological Department, Dagoretti). Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Wanandege Sacco dividends and interest on deposits (Kenya 2026)How Wanandege Sacco pays dividends on shares and interest on deposits, the AGM cycle, and what recent-year rates have looked like across the industry. Specific rates marked unverified where the primary source is a PDF or an internal AGM circular. Verified 26 August 2026.
- Wanandege Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsWanandege Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Wanandege Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Wanandege Sacco, a SASRA-licensed Deposit-Taking SACCO serving the aviation sector (Kenya Airways, KAA, KCAA). Eligibility, entry fee, minimum share capital, monthly contributions, member benefits and what the SACCO Societies Act 2008 guarantees you as a member. Verified 26 August 2026.
- Watu vs Mogo vs SACCO boda financing in Kenya (2026)Three-way comparison of Watu Credit, Mogo Auto, and SACCO-based boda financing in Kenya. Rate framework (SACCO 12-14 percent flat, roughly 22-28 percent effective APR), eligibility (SACCO membership plus savings history), decision matrix, and honest trade-offs.
- What happens when a SACCO fails in Kenya (2026): SASRA intervention and deposit protectionRegulatory framework, deposit protection, share-capital treatment and the practical playbook if your SACCO is put under statutory management.
- Winas Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsWinas Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Winas Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Winas Sacco, a SASRA-licensed Deposit-Taking SACCO serving Embu County and the wider Mount Kenya East region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.
- Yetu Sacco loans (Kenya 2026): products, rates, multiplier and guarantorsYetu Sacco loan products, indicative rates, savings multiplier and guarantor requirements. How the flat rate compares to bank reducing-balance and mobile-app APR. Verified 26 August 2026.
- Yetu Sacco membership and benefits (Kenya 2026): how to join, fees, share capitalHow to join Yetu Sacco, a SASRA-licensed Deposit-Taking SACCO serving Meru County and the wider Mount Kenya East region. Eligibility, entry fee, minimum share capital, monthly contributions and Deposit Guarantee Fund cover. Verified 26 August 2026.