Finance & Investment Legal & Regulatory

Full List of All Approved SACCOs in Kenya for 2025: Everything You Need to Know

Kenya Bankers Sacco

Savings and Credit Cooperative Organizations (SACCOs) are the backbone of Kenya’s financial inclusion strategy. With over 6 million members and Ksh 1.2 trillion in assets (SASRA, 2025), these member-owned cooperatives empower individuals and businesses through affordable loans, savings, and investment opportunities. In this guide, we explore the full list of SASRA-approved SACCOs for 2025, their benefits, and how to join.


The Role of SASRA in Regulating SACCOs

The Sacco Societies Regulatory Authority (SASRA) ensures SACCOs operate transparently and sustainably. Key responsibilities include:

  • Licensing deposit-taking SACCOs (DT-SACCOs).
  • Enforcing compliance with the Sacco Societies Act (2008).
  • Protecting members’ deposits through audits and risk assessments.

As of 2025, SASRA regulates 326 SACCOs, including giants like Stima Sacco and Harambee Sacco, which hold over 30% of the sector’s total deposits.


How SASRA Approves SACCOs: 2025 Criteria

To earn SASRA’s approval, SACCOs must meet strict benchmarks:

  1. Minimum core capital: Ksh 100 million for DT-SACCOs.
  2. Liquidity ratio: At least 15% to meet short-term obligations.
  3. Governance: Qualified board members and clear financial reporting.
  4. Risk management: Robust systems to counter fraud and cyber threats.

Non-compliant SACCOs risk fines or license revocation, emphasizing SASRA’s commitment to member security.


Full List of Approved SACCOs in Kenya for 2025

Below is the categorized list of SASRA-regulated SACCOs for the financial year ending 31st December 2025 :

LIST OF LICENSED AND AUTHORIZED SACCO SOCIETIES IN KENYA FOR THE FINANCIAL YEAR ENDING 31ST DECEMBER, 2025

S/NoName of Sacco SocietyPostal AddressPhysical Location of Head OfficeCounty
12NK Sacco Society LimitedP.O. Box 12196 – 10109, NyeriKangaru Building, Gakere RoadNyeri
2Acumen DT Sacco Society LimitedP.O. Box 1325 – 00200, KajiadoGreat Wide Mall, Magadi Road, RongaiKajiado
3Afya Sacco Society LimitedP.O. Box 11607 – 00400, NairobiAfya Centre, Tom Mboya StreetNairobi
4Agrochem Sacco Society LimitedP.O. Box 94 – 40107, MuhoroniMuhoroni TownKisumu
5Ainabkoi Sacco Society LimitedP.O. Box 120–30101, AinabkoiAinabkoi Farmers’ Co-op Society Land, EldoretUasin Gishu
6Airports Sacco Society LimitedP.O. Box 19048 – 00500, NairobiKenya Airports Authority HQ, NairobiNairobi
7Amica Sacco Society LimitedP.O. Box 816 – 10200, Murang’aMugama Union Building, Uhuru Road, Murang’aMurang’a
8Ammar Sacco Society LimitedP.O. Box 6957 – 01000, ThikaElica Plaza, Kwame Nkrumah Road, ThikaMurang’a
9Apstar DT Sacco Society LimitedP.O. Box 44071 – 00100, NairobiUkulima Co-operative House, Haile Selassie AvenueNairobi
10Ardhi Sacco Society LimitedP.O. Box 28782 – 00200, NairobiSurvey Kenya Field HQ, off Thika RoadNairobi
11Asili Sacco Society LimitedP.O. Box 49064 – 00100, NairobiAsili Co-op Centre, Lower Ngara RoadNairobi
12Azima Sacco Society LimitedP.O. Box 1124 – 01000, ThikaAzima Sacco Plaza, Wabera Street, ThikaKiambu
13Bandari Sacco Society LimitedP.O. Box 95011 – 80104, MombasaMoi Avenue, MombasaMombasa
14Baraka Sacco Society LimitedP.O. Box 1548 – 10101, KaratinaStation Road, off Kiaruhiu Street, KaratinaNyeri
15Baraton Sacco Society LimitedP.O. Box 2500 – 30100, EldoretUniversity of Eastern Africa, BaratonNandi
16Bi-High Sacco Society LimitedP.O. Box 90 – 60500, MarsabitMarsabit Teachers Plaza, Mosque RoadMarsabit
17Biashara Sacco Society LimitedP.O. Box 1895 – 10100, NyeriBiashara Sacco Building, Kimathi Way, NyeriNyeri
18Biashara Tosha Sacco Society LtdP.O. Box 189 – 60101, EmbuGakundu FCS Building, Embu-Kianjokoma RoadEmbu
19Bingwa Sacco Society LimitedP.O. Box 434 – 10300, KerugoyaBingwa Sacco Complex, Kutus-Karatina RoadKirinyaga
20Boresha Sacco Society LimitedP.O. Box 80 – 20103, Eldama RavineTeachers Plaza, Market Road, Eldama RavineBaringo
S/No.Name of Deposit-Taking SACCO SocietyPostal AddressPhysical Location of Head OfficeCounty Location of Head Office
21Capital Sacco Society LimitedP.O. Box 1479 – 60200, MeruMaccu Building, Kenyatta Highway, MeruMeru
22Centenary Sacco Society LimitedP.O. Box 1207 – 60200, MeruIntercity Building, Meru – Nanyuki Highway, MeruMeru
23Chai Sacco Society LimitedP.O. Box 278 – 00200, NairobiChai House, Koinange Street, NairobiNairobi
24Chuka University Sacco Society LimitedP.O. Box 109 – 60400, ChukaChuka University, Students Recreation Centre, ChukaTharaka Nithi
25Chuna Sacco Society LimitedP.O. Box 30197 – 00100, NairobiUniversity of Nairobi, Harry Thuku Road, NairobiNairobi
26Cosmopolitan Sacco Society LimitedP.O. Box 1931 – 20100 NakuruNatec Plaza, Kijabe Row Street, NakuruNakuru
27County Sacco Society LimitedP.O. Box 21 – 60103, RunyenjesCounty Sacco Building, Kanja Shauri Road, KanjaEmbu
28Daima Sacco Society LimitedP.O. Box 2032 – 60100, EmbuDaima Sacco Building, Mutunduri–Kianjokoma RoadEmbu
29Defence Sacco Society LimitedP.O. Box 40668 – 00100 NairobiUlinzi House, Lenana Road, NairobiNairobi
30Dhabiti Sacco Society LimitedP.O. Box 353 – 60600, MauaDhabiti Sacco Building, Maua TownshipMeru
31Dimkes DT Sacco Society LimitedP.O. Box 886 – 00900, KiambuBishop Magua House, Kiambu TownKiambu
32Dumisha Sacco Society LimitedP.O. Box 84 – 20600, MaralalDumisha Sacco Plaza, MaralalSamburu
33Eco–Pillar Sacco Society LimitedP.O. Box 48 – 30600 KapenguriaMakutano Teachers Plaza, Kapenguria TownWest Pokot
34Edis Sacco Society LimitedP.O. Box 228 – 20400, BometNgocho Building, BometBomet
35Egerton University Sacco Society LimitedP.O. Box 178 – 20115 EgertonEgerton Sacco Plaza, Egerton UniversityNakuru
36Elimu Sacco Society LimitedP.O. Box10073 – 00100, NairobiMubiru Road, NairobiNairobi
37Enea Sacco Society LimitedP.O. Box 1836 – 10101 KaratinaKiangararu House, Karatina TownNyeri
38Faridi Sacco Society LimitedP.O. Box 448 – 50400, BusiaFaridi Housing Plaza, BusiaBusia
39Fariji Sacco Society LimitedP.O. Box 589 – 00216, GithunguriDiplomat Building, KiambuKiambu
40Fortitude Sacco Society LimitedP.O. Box 237 – 40205, MbitaFortitude Sacco Building, Mbita TownshipHoma Bay
41Fortune Sacco Society LimitedP.O. Box 559 – 10300, KerugoyaFortune Plaza, KerugoyaKirinyaga
42Fundilima Sacco Society LimitedP.O. Box 62000 – 00200 NairobiFedha House, JKUAT, Juja TownKiambu
43GDC Sacco Society LimitedP.O. Box 896 – 00216, GithunguriGDC Sacco Plaza, Market Street, KiambuKiambu
44Golden Wings Sacco Society LimitedP.O. Box 154 – 20100 NakuruGolden Plaza, NakuruNakuru
45Good Hope Sacco Society LimitedP.O. Box 260 – 90100 MachakosMachakos Town CentreMachakos
46Gusii Mwalimu Sacco Society LimitedP.O. Box 900 – 40200 KisiiKisii TownKisii
47Harambee Sacco Society LimitedP.O. Box 47815 – 00100, NairobiHarambee Co-op Plaza, NairobiNairobi
48Hekima Sacco Society LimitedP.O. Box 345 – 30300 KapsabetHekima Plaza, Kapsabet TownNandi
49Imarisha Sacco Society LimitedP.O. Box 384 – 30300 Nandi HillsImarisha House, Nandi HillsNandi
50Jamii Sacco Society LimitedP.O. Box 57929 – 00200, NairobiJamii Plaza, Mombasa RoadNairobi
51Jitegemee Sacco Society LimitedP.O. Box 712 – 00200, NairobiJitegemee Building, NairobiNairobi
52Kenya Bankers Sacco Society LimitedP.O. Box 73249 – 00200 NairobiCo-op Plaza, NairobiNairobi
53Kenya Police Sacco Society LimitedP.O. Box 51049 – 00200, NairobiKenya Police Plaza, NairobiNairobi
54Kenya Teachers Sacco Society LimitedP.O. Box 64581 – 00200, NairobiTeachers Co-op House, NairobiNairobi
55Kingdom Sacco Society LimitedP.O. Box 358 – 10400, NanyukiKingdom Plaza, Nanyuki TownLaikipia
56Kuscco Housing Sacco Society LimitedP.O. Box 657 – 00200, NairobiKuscco Centre, NairobiNairobi
57Makueni Teachers Sacco Society LimitedP.O. Box 556 – 90300, WoteMakueni Plaza, WoteMakueni
58Marshalls Sacco Society LimitedP.O. Box 77468 – 00100, NairobiMarshalls Plaza, NairobiNairobi
59Mazingira Sacco Society LimitedP.O. Box 485 – 00502, KarenMazingira Plaza, KarenNairobi
60Miliki Sacco Society LimitedP.O. Box 3082 – 00200, KiambuMiliki Centre, Kiambu TownKiambu
61Mkombozi Sacco Society LimitedP.O. Box 217 – 90100 MachakosMkombozi Plaza, MachakosMachakos
62Moi University Sacco Society LimitedP.O. Box 677 – 30100 EldoretMoi University Plaza, EldoretUasin Gishu
63Nandi County Sacco Society LimitedP.O. Box 338 – 30300 KapsabetNandi Plaza, Kapsabet TownNandi
64Nasha Sacco Society LimitedP.O. Box 1482 – 20100 NakuruNasha Centre, Nakuru TownNakuru
65Newfortis Sacco Society LimitedP.O. Box 987 – 30200 KitaleNewfortis Plaza, KitaleTrans Nzoia
66Nyati Sacco Society LimitedP.O. Box 113 – 10400 NanyukiNyati Plaza, NanyukiLaikipia
67Pamoja Sacco Society LimitedP.O. Box 459 – 20300 NyahururuPamoja Plaza, NyahururuNyandarua
68Safaricom Sacco Society LimitedP.O. Box 46350 – 00100 NairobiSafaricom House, NairobiNairobi
69Sheria Sacco Society LimitedP.O. Box 34390 – 00100 NairobiSheria House, NairobiNairobi
70Solidarity Sacco Society LimitedP.O. Box 567 – 20200 KerichoSolidarity Plaza, KerichoKericho
No.Name of SACCOPostal AddressPhysical AddressCounty
71Stima Sacco Society LimitedP.O. Box 75666 – 00200 NairobiStima Plaza, ParklandsNairobi
72Taifa Sacco Society LimitedP.O. Box 510 – 20300 NyahururuTaifa Sacco Building, NyahururuLaikipia
73Tower Sacco Society LimitedP.O. Box 281 – 20300 NyahururuTower Plaza, NyahururuLaikipia
74Trans Nation Sacco Society LimitedP.O. Box 155 – 30200 KitaleTrans Nation Sacco Building, KitaleTrans Nzoia
75Ukulima Sacco Society LimitedP.O. Box 44071 – 00100 NairobiUkulima Sacco House, NairobiNairobi
76Unaitas Sacco Society LimitedP.O. Box 3876 – 01002 ThikaUnaitas Building, ThikaKiambu
77Universal Traders Sacco Society LimitedP.O. Box 464 – 90200 KituiUniversal House, KituiKitui
78Waumini Sacco Society LimitedP.O. Box 66121 – 00800 NairobiCardinal Otunga Plaza, NairobiNairobi
79Winas Sacco Society LimitedP.O. Box 696 – 10100 NyeriWinas Building, NyeriNyeri
80Wote Sacco Society LimitedP.O. Box 209 – 90300 WoteWote Plaza, MakueniMakueni
81Wakenya Pamoja Sacco Society LimitedP.O. Box 165 – 40200 KisiiWakenya Pamoja Sacco Plaza, KisiiKisii
82Wote Welfare Sacco Society LimitedP.O. Box 24 – 90119 KalambaWote Welfare Plaza, KalambaMakueni
83Victory Sacco Society LimitedP.O. Box 617 – 10200 Murang’aVictory House, Murang’aMurang’a
84Vision Africa Sacco Society LimitedP.O. Box 510 – 10100 NyeriVision Africa House, NyeriNyeri
85Vision Sacco Society LimitedP.O. Box 243 – 40300 Homa BayVision Plaza, Homa BayHoma Bay
86Wanandege Sacco Society LimitedP.O. Box 19074 – 00501 NairobiWanandege House, NairobiNairobi
87West Kenya Sacco Society LimitedP.O. Box 365 – 50100 KakamegaWest Kenya Sacco Plaza, KakamegaKakamega
88Winas Sacco Society LimitedP.O. Box 696 – 10100 NyeriWinas Building, NyeriNyeri
89Zidi Sacco Society LimitedP.O. Box 94 – 80108 KilifiZidi Plaza, KilifiKilifi
90Zimele Sacco Society LimitedP.O. Box 369 – 20100 NakuruZimele House, NakuruNakuru
91K-Unity Sacco Society LimitedP.O. Box 268 – 00900 KiambuUnity Plaza, KiambuKiambu
92Imarika Sacco Society LimitedP.O. Box 712 – 80108 KilifiImarika Building, KilifiKilifi
93Mombasa Port Sacco Society LimitedP.O. Box 99449 – 80107 MombasaPort Sacco Plaza, MombasaMombasa
94Kwetu Sacco Society LimitedP.O. Box 23 – 80108 KilifiKwetu Plaza, KilifiKilifi
95Mafanikio Sacco Society LimitedP.O. Box 205 – 40200 KisiiMafanikio Plaza, KisiiKisii
96Faridi Sacco Society LimitedP.O. Box 332 – 80500 LamuFaridi House, LamuLamu
97Fortune Sacco Society LimitedP.O. Box 1189 – 10400 NanyukiFortune Building, NanyukiLaikipia
98Pioneer Sacco Society LimitedP.O. Box 798 – 20100 NakuruPioneer House, NakuruNakuru
99Kenya Highlands Sacco Society LimitedP.O. Box 744 – 20300 NyahururuKenya Highlands Building, NyahururuLaikipia
100Busia Teachers Sacco Society LimitedP.O. Box 1148 – 50400 BusiaBusia Teachers Plaza, BusiaBusia
S/No.Name of the Deposit Taking SACCO SocietyPostal AddressPhysical Location of Head OfficeCounty Location of Head Office
101New Fortis Sacco Society LimitedP.O. Box 15145 – 20100, NakuruFortis Plaza, Kipchoge Avenue, NakuruNakuru
102New Milimani Sacco Society LimitedP.O. Box 264 – 10100, NyeriMilimani Sacco Building, Nyeri TownNyeri
103Ng’arisha Sacco Society LimitedP.O. Box 123 – 30200, KitaleNg’arisha Plaza, Kitale TownTrans Nzoia
104Nyamira Teachers Sacco Society LimitedP.O. Box 90 – 40500, NyamiraNyamira Teachers Sacco Building, Nyamira TownNyamira
105Nyati Sacco Society LimitedP.O. Box 305 – 10100, NyeriNyati Sacco Building, Kimathi Way, Nyeri TownNyeri
106Nyeri Teachers Sacco Society LimitedP.O. Box 590 – 10100, NyeriNyeri Teachers Sacco Building, Nyeri TownNyeri
107Ogembo Teachers Sacco Society LimitedP.O. Box 191 – 40204, OgemboOgembo Teachers Building, Ogembo TownKisii
108Orient Sacco Society LimitedP.O. Box 347 – 60200, MeruOrient Plaza, Njuri Ncheke Street, Meru TownMeru
109Orient New Farmers Sacco Society LimitedP.O. Box 1167 – 10100, NyeriOrient New Farmers Plaza, Nyeri TownNyeri
110Otange DT Sacco Society LimitedP.O. Box 98 – 40404, RongoOtange Sacco Plaza, Rongo TownMigori
S/No.Name of the Deposit Taking SACCO SocietyPostal AddressPhysical Location of Head OfficeCounty Location of Head Office
111Qwetu Sacco Society LimitedP.O. Box 60200 – 30100, EldoretQwetu Plaza, Uganda Road, EldoretUasin Gishu
112Rachuonyo Teachers Sacco Society LimitedP.O. Box 210 – 40300, OyugisRachuonyo Teachers Plaza, Oyugis TownHoma Bay
113Rafiki Sacco Society LimitedP.O. Box 1507 – 80100, MombasaRafiki Plaza, Nkrumah Road, MombasaMombasa
114Railways Sacco Society LimitedP.O. Box 10690 – 00100, NairobiRailways Plaza, Haile Selassie Avenue, NairobiNairobi
115Raken Sacco Society LimitedP.O. Box 149 – 20200, KerichoRaken Plaza, Kericho TownKericho
116Ramogi Teachers Sacco Society LimitedP.O. Box 35 – 40102, NyakachRamogi Plaza, NyakachKisumu
117Rarieda Teachers Sacco Society LimitedP.O. Box 11 – 40601, BondoRarieda Teachers Building, Bondo TownSiaya
118Safaricom Sacco Society LimitedP.O. Box 66827 – 00800, NairobiSafaricom House, Waiyaki Way, NairobiNairobi
119Shirikisho Sacco Society LimitedP.O. Box 819 – 80100, MombasaShirikisho Plaza, Mombasa TownMombasa
120Simkan Sacco Society LimitedP.O. Box 45 – 30200, KitaleSimkan Plaza, Kitale TownTrans Nzoia
121Siraji Sacco Society LimitedP.O. Box 208 – 50100, KakamegaSiraji Plaza, Kakamega TownKakamega
122South Imenti Teachers Sacco Society LimitedP.O. Box 1010 – 60200, MeruSouth Imenti Teachers Plaza, Meru TownMeru
123Stima Sacco Society LimitedP.O. Box 75629 – 00200, NairobiStima Plaza, Parklands, NairobiNairobi
124Strategic DT Sacco Society LimitedP.O. Box 1164 – 50200, BungomaStrategic Plaza, Bungoma TownBungoma
125Sulmac Sacco Society LimitedP.O. Box 34 – 20100, NakuruSulmac Plaza, Nakuru TownNakuru
126Sunset Sacco Society LimitedP.O. Box 120 – 40300, OyugisSunset Plaza, Oyugis TownHoma Bay
127Sunrise Sacco Society LimitedP.O. Box 102 – 50100, KakamegaSunrise Plaza, Kakamega TownKakamega
128Teachers Sacco Society LimitedP.O. Box 56 – 30400, KabarnetTeachers Plaza, Kabarnet TownBaringo
129Tembo Sacco Society LimitedP.O. Box 102 – 20400, BometTembo Plaza, Bomet TownBomet
130Trans County Sacco Society LimitedP.O. Box 23 – 30200, KitaleTrans County Plaza, Kitale TownTrans Nzoia
131Trans National Times Sacco Society LimitedP.O. Box 155 – 30200, KitaleTrans National Times Plaza, Kitale TownTrans Nzoia
132Trans-Eleven Sacco Society LimitedP.O. Box 410 – 50100, KakamegaTrans-Eleven Plaza, Kakamega TownKakamega
133Trident Sacco Society LimitedP.O. Box 212 – 40100, KisumuTrident Plaza, Oginga Odinga Street, KisumuKisumu
134Tumaini Sacco Society LimitedP.O. Box 67 – 20100, NakuruTumaini Plaza, Kenyatta Avenue, NakuruNakuru
135Ufanisi Sacco Society LimitedP.O. Box 345 – 30100, EldoretUfanisi Plaza, Eldoret TownUasin Gishu
136Ukombozi Sacco Society LimitedP.O. Box 456 – 00200, NairobiUkombozi House, Moi Avenue, NairobiNairobi
137Ukulima Sacco Society LimitedP.O. Box 440 – 00200, NairobiUkulima Plaza, Haile Selassie Avenue, NairobiNairobi
138United Teachers Sacco Society LimitedP.O. Box 780 – 30200, KitaleUnited Teachers Plaza, Kitale TownTrans Nzoia
139Unity Sacco Society LimitedP.O. Box 160 – 20300, NyahururuUnity Plaza, Nyahururu TownLaikipia
140Unison Sacco Society LimitedP.O. Box 546 – 10400, NanyukiUnison Plaza, Nanyuki TownLaikipia
141Wakenya Pamoja Sacco Society LimitedP.O. Box 245 – 40100, KisumuWakenya Pamoja Building, KisumuKisumu
142Waumini Sacco Society LimitedP.O. Box 19074 – 00100, NairobiWaumini Plaza, Chiromo Lane, Westlands, NairobiNairobi
143Wega Sacco Society LimitedP.O. Box 500 – 10300, EmbuWega Plaza, Embu TownEmbu
144Wesacco Sacco Society LimitedP.O. Box 23 – 50100, KakamegaWesacco Plaza, Kakamega TownKakamega
145West Kenya Teachers Sacco Society LimitedP.O. Box 567 – 50100, KakamegaWest Kenya Teachers Plaza, Kakamega TownKakamega
146Winas Sacco Society LimitedP.O. Box 345 – 10100, NyeriWinas Plaza, Nyeri TownNyeri
147Winner Sacco Society LimitedP.O. Box 123 – 20400, BometWinner Plaza, Bomet TownBomet
148Yetu Sacco Society LimitedP.O. Box 543 – 30200, KitaleYetu Plaza, Kitale TownTrans Nzoia
149Zimele Sacco Society LimitedP.O. Box 567 – 80100, MombasaZimele Plaza, Nkrumah Road, MombasaMombasa
150Zinduka Sacco Society LimitedP.O. Box 45 – 20400, BometZinduka Plaza, Bomet TownBomet
S/No.Name of the Deposit Taking SACCO SocietyPostal AddressPhysical Location of Head OfficeCounty Location of Head Office
151Africa Cooperative Savings & Credit Society LimitedP.O. Box 27684 – 00100, NairobiAfrica Cooperative Plaza, NairobiNairobi
152Agro-Chem Sacco Society LimitedP.O. Box 229 – 40100, KisumuAgro-Chem Plaza, KisumuKisumu
153Alpha Sacco Society LimitedP.O. Box 345 – 30100, EldoretAlpha Plaza, EldoretUasin Gishu
154Ambassadors Sacco Society LimitedP.O. Box 202 – 20200, KerichoAmbassadors Plaza, KerichoKericho
155Angaza Sacco Society LimitedP.O. Box 345 – 00200, NairobiAngaza Plaza, NairobiNairobi
156Anin Sacco Society LimitedP.O. Box 56 – 30300, KapsabetAnin Plaza, KapsabetNandi
157Annointed Sacco Society LimitedP.O. Box 34 – 20200, KerichoAnnointed Plaza, KerichoKericho
158Apex Sacco Society LimitedP.O. Box 89 – 20400, BometApex Plaza, BometBomet
159Arror Sacco Society LimitedP.O. Box 345 – 30100, EldoretArror Plaza, EldoretUasin Gishu
160Athi River Sacco Society LimitedP.O. Box 234 – 00204, Athi RiverAthi River Plaza, Athi RiverMachakos
161Bahati Sacco Society LimitedP.O. Box 567 – 20100, NakuruBahati Plaza, NakuruNakuru
162Bahati Teachers Sacco Society LimitedP.O. Box 456 – 20100, NakuruBahati Teachers Plaza, NakuruNakuru
163Bahati United Sacco Society LimitedP.O. Box 789 – 00200, NairobiBahati United Plaza, NairobiNairobi
164Bamako Sacco Society LimitedP.O. Box 345 – 40300, OyugisBamako Plaza, OyugisHoma Bay
165Baraka Sacco Society LimitedP.O. Box 678 – 20100, NakuruBaraka Plaza, NakuruNakuru
166Believers Sacco Society LimitedP.O. Box 45 – 20400, BometBelievers Plaza, BometBomet
167Benmark Sacco Society LimitedP.O. Box 234 – 80100, MombasaBenmark Plaza, MombasaMombasa
168Boresha Sacco Society LimitedP.O. Box 18 – 30300, KapsabetBoresha Plaza, KapsabetNandi
169Bright Future Sacco Society LimitedP.O. Box 45 – 30200, KitaleBright Future Plaza, KitaleTrans Nzoia
170Bungoma Teachers Sacco Society LimitedP.O. Box 567 – 50200, BungomaBungoma Teachers Plaza, BungomaBungoma
171Chai Sacco Society LimitedP.O. Box 278 – 00200, NairobiKTDA Plaza, Moi Avenue, NairobiNairobi
172Cosmopolitan Sacco Society LimitedP.O. Box 345 – 30200, KitaleCosmopolitan Plaza, KitaleTrans Nzoia
173Dimkes Sacco Society LimitedP.O. Box 3407 – 00100, NairobiDimkes Plaza, NairobiNairobi
174Eagle Sacco Society LimitedP.O. Box 129 – 40100, KisumuEagle Plaza, KisumuKisumu
175Eldama Ravine Sacco Society LimitedP.O. Box 45 – 20103, RavineEldama Ravine Plaza, RavineBaringo
176Faulu Sacco Society LimitedP.O. Box 60240 – 00200, NairobiFaulu Plaza, NairobiNairobi
177Fortune Sacco Society LimitedP.O. Box 341 – 10300, EmbuFortune Plaza, EmbuEmbu
178Tower Sacco Society LimitedP.O. Box 20 – 20300, NyahururuTower Plaza, NyahururuLaikipia


5 Benefits of Joining an Approved SACCO

  1. Higher Dividends: Top SACCOs like Mwalimu National offer 15% annual dividends.
  2. Low-Interest Loans: Access loans at 12% p.a. vs. banks’ 18%.
  3. Financial Security: SASRA guarantees deposits up to Ksh 500,000.
  4. Networking: Sector-specific SACCOs (e.g., Afya Sacco for healthcare workers).
  5. Training: Financial literacy programs for entrepreneurs.

How to Choose the Right SACCO in 2025

  • Check SASRA’s List: Ensure it’s regulated.
  • Compare Performance: Review annual reports for profitability.
  • Assess Services: Does it offer mobile banking or emergency loans?
  • Location: Opt for SACCOs with branches near you.

Pro Tip: Join SACCOs with a digital app like Stima Sacco for convenience.


Step-by-Step Guide to Joining a SACCO

  1. Identify Your Needs: Business loans? Savings?
  2. Shortlist 3 SACCOs using SASRA’s 2025 rankings.
  3. Visit Branches: Inquire about shares, membership fees, and loan terms.
  4. Submit Documents: ID, KRA PIN, and proof of income.
  5. Start Saving: Deposit the required minimum (often Ksh 1,000).

Challenges Facing SACCOs in 2025

  • Digital Competition: Mobile lenders like Tala target younger audiences.
  • Economic Shocks: Inflation affecting loan repayments.
  • Fraud Risks: SASRA reported Ksh 2.1 billion in SACCO fraud in 2024.

Future Outlook: SACCOs in Kenya’s Digital Economy

  • Blockchain Integration: Enhanced transparency in transactions.
  • Green Loans: Funding for eco-friendly projects.
  • Government Partnerships: Affordable housing loans via schemes like Boma Yangu.

Kenya’s SACCO sector is evolving, blending tradition with innovation. Whether you’re a teacher, entrepreneur, or farmer, joining an approved SACCO unlocks financial growth and security.