Savings and Credit Cooperative Organizations (SACCOs) have long been the backbone of Kenya’s financial system, offering affordable credit, savings opportunities, and wealth creation avenues. Whether you’re a salaried employee, self-employed, farmer, or investor, joining a SACCO is one of the most effective ways to achieve financial growth in 2025.
In this guide, we’ve curated a list of the 25 best SACCOs in Kenya to join in 2025, focusing on their services, benefits, and eligibility criteria to help you make an informed decision.
Why Join a SACCO in 2025?
SACCOs are ideal for Kenyans looking to:
- Access low-interest loans.
- Build disciplined savings habits.
- Grow wealth through dividends.
- Secure affordable mortgages.
- Plan for retirement.
SACCOs are regulated by the Sacco Societies Regulatory Authority (SASRA), ensuring members’ savings are protected and operations are transparent.
Factors to Consider When Choosing a SACCO
- Interest Rates: Look for SACCOs with competitive loan interest rates.
- Dividends: Check the average annual dividends paid out to members.
- Membership Requirements: Consider SACCOs suited to your profession or interests.
- Reputation: Research member reviews and track records.
- Services Offered: Prioritize SACCOs with diverse offerings like education loans, mortgages, and investment opportunities.
List of 25 Best SACCOs to Join in Kenya in 2025
Below is a detailed list of SACCOs that stand out in 2025 for their exceptional service, financial performance, and member benefits.
1. Stima SACCO
- Best For: Salaried employees in the energy sector.
- Key Services: Loans, mortgages, and investment options.
- Why Join: Competitive loan rates and high dividends (up to 14%).
2. Mhasibu SACCO
- Best For: Accounting and finance professionals.
- Key Services: Business loans, school fees loans, and asset financing.
- Why Join: Strong financial growth and dividend payouts averaging 15%.
3. Kenya Police SACCO
- Best For: Police officers, civilians, and the general public.
- Key Services: Affordable loans, savings, and investment opportunities.
- Why Join: High loan limits and personalized financial advice.
4. Safaricom SACCO
- Best For: Safaricom employees and partners.
- Key Services: Emergency loans, mortgages, and savings products.
- Why Join: Digital-first SACCO with flexible loans and excellent customer service.
5. Waumini SACCO
- Best For: Catholic church members and employees.
- Key Services: Loans, retirement savings, and education plans.
- Why Join: Ethical investments and high member satisfaction.
6. Harambee SACCO
- Best For: Civil servants and government employees.
- Key Services: Instant loans, savings, and investment products.
- Why Join: Long-standing reputation and stable dividends.
7. Uwezo SACCO
- Best For: SMEs and entrepreneurs.
- Key Services: Business loans, working capital, and savings.
- Why Join: Tailored solutions for growing businesses.
8. Afya SACCO
- Best For: Health professionals.
- Key Services: Asset financing, development loans, and savings plans.
- Why Join: Low-interest rates and specialized financial products for healthcare workers.
9. UN SACCO
- Best For: UN employees and affiliates.
- Key Services: Personal loans, mortgages, and investment portfolios.
- Why Join: Excellent member benefits and competitive dividend rates.
10. Tower SACCO
- Best For: Educators and school administrators.
- Key Services: School fees loans, emergency loans, and mortgages.
- Why Join: High dividend payouts and tailor-made financial products for teachers.
11. Hazina SACCO
- Best For: Public servants.
- Key Services: Loans, savings, and pension plans.
- Why Join: Flexible repayment terms and fast loan approvals.
12. Sheria SACCO
- Best For: Legal professionals and judiciary staff.
- Key Services: Emergency loans, mortgages, and long-term savings.
- Why Join: Personalized financial products for lawyers and judges.
13. Mwalimu National SACCO
- Best For: Teachers and educational professionals.
- Key Services: Asset financing, development loans, and savings accounts.
- Why Join: High dividends and specialized financial services for educators.
14. Ekeza SACCO
- Best For: Small-scale traders and low-income earners.
- Key Services: Microloans, savings, and emergency loans.
- Why Join: Grassroots approach to financial inclusion.
15. Imarika SACCO
- Best For: Farmers and entrepreneurs in Kilifi County.
- Key Services: Agribusiness loans, development loans, and savings accounts.
- Why Join: Focus on agricultural empowerment.
16. Unaitas SACCO
- Best For: Entrepreneurs and individuals in informal sectors.
- Key Services: Business loans, group savings, and investment products.
- Why Join: Great for building capital and group savings plans.
17. Biblia SACCO
- Best For: Church ministers and members.
- Key Services: Loans, savings, and group investments.
- Why Join: Faith-based financial empowerment.
18. Jitegemea SACCO
- Best For: Small-scale traders and self-employed individuals.
- Key Services: Microloans, asset financing, and savings.
- Why Join: Easy membership process and grassroots support.
19. Kimisitu SACCO
- Best For: NGO employees and international workers.
- Key Services: Personal loans, investment products, and savings plans.
- Why Join: Flexible terms for expatriates and local staff.
20. Chai SACCO
- Best For: Tea farmers and stakeholders in the agriculture sector.
- Key Services: Agribusiness loans, development loans, and savings.
- Why Join: Focus on agricultural growth and rural development.
21. Prime SACCO
- Best For: Farmers and agribusiness entrepreneurs.
- Key Services: Farm input loans, group savings, and development loans.
- Why Join: Excellent for agricultural cooperatives.
22. K-rep Fedha SACCO
- Best For: Informal traders and small-scale business owners.
- Key Services: Microloans, savings, and business capital.
- Why Join: Focus on financial empowerment for low-income earners.
23. Edfin SACCO
- Best For: Education professionals and private school owners.
- Key Services: School development loans, asset financing, and savings plans.
- Why Join: Tailored solutions for education sector growth.
24. Boresha SACCO
- Best For: Farmers in rural areas.
- Key Services: Agribusiness loans, savings, and asset financing.
- Why Join: Focused on uplifting smallholder farmers.
25. TransNation SACCO
- Best For: Cross-border traders and diaspora members.
- Key Services: International loans, savings, and investments.
- Why Join: Bridging financial gaps for cross-border businesses.
Invest in Your Financial Future
Whether you’re looking for affordable credit, disciplined savings, or profitable investments, these SACCOs provide the best options to secure your financial future in 2025.
Explore the SACCOs listed above and choose the one that aligns with your needs and goals. Don’t wait—invest in your financial future today!
