Joining a Savings and Credit Cooperative Organization (SACCO) is one of the most innovative ways to grow your savings, access affordable loans, and build wealth in Kenya. But with hundreds of SACCOs available, how do you choose the best one in Kenya?
This guide explains the best SACCOs to join in Kenya in 2025. We’ve reviewed each based on reputation, assets, member benefits, and loan offerings. Whether you’re a teacher, police officer, entrepreneur, or tech worker, there’s a SACCO for you.
What Makes a Good SACCO?
Before joining any SACCO, consider the following:
- Regulation: Is it registered under the SASRA (SACCO Societies Regulatory Authority)?
- Stability: What are its total assets and financial history?
- Loan Products: Does it offer competitive interest rates and flexible terms?
- Dividends: What returns does it pay to members annually?
- Digital Access: Does it offer mobile or online banking?
Summary Table of Top SACCOs in Kenya (2025)
| SACCO Name | Key Focus Area | Assets (Approx.) | Ideal For |
| Stima SACCO | Energy, professionals | KSh 60+ billion | Professionals seeking stability |
| Kenya Police SACCO | Civil servants, police | KSh 50+ billion | Uniformed officers |
| Mwalimu SACCO | Teachers, educators | KSh 65+ billion | Education sector employees |
| Harambee SACCO | Government workers | KSh 30+ billion | Public servants |
| Unaitas SACCO | SMEs, agribusiness | KSh 20+ billion | Entrepreneurs, farmers |
| Safaricom SACCO | Tech and digital workers | Not disclosed | Tech professionals |
| Afya SACCO | Healthcare workers | KSh 10+ billion | Medical professionals |
| Mhasibu SACCO | Accountants, finance | KSh 8+ billion | Finance and accounting professionals |
Top SACCOs to Join in Kenya
Stima SACCO
Stima SACCO is one of Kenya’s largest SACCOs, with assets exceeding KSh 60 billion. Initially serving the energy sector, it now welcomes a broader range of professionals. It offers reliable mobile banking, substantial dividends, and competitive loans for housing, education, and development.
Ideal for: Professionals seeking stability and consistent returns.
Kenya Police SACCO
Established for police officers and civil servants, Kenya Police SACCO has grown rapidly with over KSh 50 billion in assets. It provides fast loan approvals and well-managed savings products. Its reputation is built on trust and ethical financial practices.
Ideal for: Uniformed officers and disciplined savers.
Mwalimu National SACCO
Targeting teachers and education workers, Mwalimu SACCO is Kenya’s largest teacher-based SACCO, with assets exceeding KSh 65 billion. It offers school fee loans, salary advances, and a wide range of savings products.
Ideal for Educators and employees in the education sector.
Harambee SACCO
This SACCO primarily serves government and parastatal employees, boasting a strong legacy, broad membership, and stable financial performance. Its loan offerings include personal, emergency, and housing loans.
Ideal for: Public sector workers.
Unaitas SACCO
Initially founded in Murang’a, Unaitas has expanded nationally to serve SMEs, farmers, and salaried workers. With over KSh 20 billion in assets, Unaitas offers business loans and is licensed as a deposit-taking SACCO.
Ideal for: Entrepreneurs and agribusiness owners.
Safaricom SACCO
This SACCO serves employees and affiliates of Safaricom, as well as tech professionals. It focuses on digital solutions with quick loan processing and online services. Members benefit from innovation and convenience.
Ideal for: Tech-savvy professionals and digital workers.
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Afya SACCO
Afya SACCO is designed for healthcare workers across Kenya, offering education, development, and emergency loans. It stands out for its member support and financial education.
Ideal for: Medical and healthcare professionals.
Mhasibu SACCO
Serving accountants and finance experts, Mhasibu offers excellent governance, ethical practices, and strong financial planning tools. With competitive returns, it helps members grow both personally and professionally.
Ideal for: Accountants, auditors, and finance experts.
How to Join a SACCO in Kenya
- Identify a SACCO: Choose based on your profession or financial needs.
- Check Eligibility: Some SACCOs are sector-based.
- Submit Documents: Provide ID, KRA PIN, passport photo, and application form.
- Pay Entrance Fees: Includes share capital and minimum deposits.
- Start Saving: Make monthly contributions to build your savings.
Frequently Asked Questions (FAQs)
Can I join more than one SACCO in Kenya?
Yes, as long as you meet the eligibility criteria of each SACCO. However, managing multiple accounts may require financial discipline.
How are SACCO dividends calculated?
Dividends are based on your share contributions and the SACCO’s annual performance. Rates vary yearly.
Are SACCOs safe in Kenya?
Registered SACCOs under SASRA are subject to regular regulation and auditing. Choose one with strong financial records.
What is the minimum monthly contribution?
It varies by SACCO, but most require a minimum of KSh 500–2,000 per month.
Can I access loans immediately after joining?
No. Most SACCOs require 3–6 months of consistent contributions before a member becomes eligible for a loan.
Final Thoughts
Whether you’re looking to save for the future, access affordable loans, or build financial discipline, joining a SACCO is a decisive step. The SACCOs listed above offer a great mix of trust, innovation, and value for Kenyan savers in 2025.
Choose one that aligns with your goals and start your financial journey today.
Ready to Take Control of Your Finances?
Explore the SACCO that matches your profession and goals. Visit their official websites or contact them directly to start your membership process today. Don’t wait, your financial growth starts with one wise decision.
