SACCOs

31 listings, ranked.
Sorted by what matters.

Compare saccos across Kenyan banks, sourced from their own published rates, ranked lowest cost to highest, with fees shown next to the headline figure.

Lowest rate tracked today
1.0%
Stima Sacco · saccos
31
institutions compared
17.0pp
spread, low to high

Verified. Every rate and fee below is sourced from the institution’s own published rates — see the “Verified” badge and source link on each listing for where it came from and when we last checked.

Use our sacco contribution calculator

Project a monthly SACCO savings contribution to maturity.

Open calculator →
31 of 31 listings
BS
Biashara Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

BS
Boresha Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

CS
Chai Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

DS
Daima Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

GM
Gusii Mwalimu Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

HS
Harambee Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

HS
Hazina Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

IS
Imarisha Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

K
KUSCCO
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

KB
Kenya Bankers Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

KD
Kenya Defence Forces Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

KP
Kenya Police Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

KS
Kimisitu Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

MS
MKU Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

MN
Mwalimu National Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

NS
Nawiri Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

SS
Sheria Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

SS
Stima Sacco
13% reducing balance, up to 96 months.
Verified
Verified 18 Sept 2026 · source
13%
Interest rate
Compare
Details
Interest basis
Reducing
Requirements & terms

Requirements for this product aren't published yet.

SS
Stima Sacco
12% reducing balance, up to 60 months, up to 4x Alpha deposits.
Verified
Verified 18 Sept 2026 · source
12%
Interest rate
4×
Savings multiple
Compare
Details
Interest basis
Reducing
Requirements & terms

Requirements for this product aren't published yet.

SS
Stima Sacco
14% reducing balance, up to 48 months, max KES 5,000,000.
Verified
Verified 18 Sept 2026 · source
14%
Interest rate
Compare
Details
Interest basis
Reducing
Requirements & terms

Requirements for this product aren't published yet.

SS
Stima Sacco
13.9% reducing balance, up to 78 months, max KES 5,000,000.
Verified
Verified 18 Sept 2026 · source
13.9%
Interest rate
Compare
Details
Interest basis
Reducing
Requirements & terms

Requirements for this product aren't published yet.

SS
Stima Sacco
18% reducing balance, up to 48 months, max KES 1,000,000.
Verified
Verified 18 Sept 2026 · source
18%
Interest rate
Compare
Details
Interest basis
Reducing
Requirements & terms

Requirements for this product aren't published yet.

SS
Stima Sacco
15% reducing balance, up to 24 months, up to 4x deposits.
Verified
Verified 18 Sept 2026 · source
15%
Interest rate
4×
Savings multiple
Compare
Details
Interest basis
Reducing
Requirements & terms

Requirements for this product aren't published yet.

SS
Stima Sacco
1%/day, 30-day advance, max KES 15,000. A short-term advance, not an annualised reducing-balance loan.
Verified
Verified 18 Sept 2026 · source
1%
Interest rate
Compare
Details
Interest basis
Reducing
Requirements & terms

Requirements for this product aren't published yet.

TS
Taifa Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

WC
Wakulima Commercial Sacco
Industry-wide benchmark: 12%-14% reducing balance, multiplier 3x-5x savings — not a rate this SACCO has individually published.
Contact bank for full rate
Verified 18 Sept 2026 · source
12% Request details — industry benchmark -14%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

HS
Harambee Sacco
Declared dividend range 11%-14% — midpoint shown as the headline rate. Paybill 525200.
Verified
Verified 18 Sept 2026 · source
12.5%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

HS
Hazina Sacco
Declared dividend range 10%-12% — midpoint shown as the headline rate. Paybill 850436.
Verified
Verified 18 Sept 2026 · source
11%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

KP
Kenya Police Sacco
Declared dividend range 10%-13% — midpoint shown as the headline rate. Paybill 4027903.
Verified
Verified 18 Sept 2026 · source
11.5%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

MN
Mwalimu National Sacco
Declared dividend range 12%-14% — midpoint shown as the headline rate. Paybill 541900.
Verified
Verified 18 Sept 2026 · source
13%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

SS
Stima Sacco
Declared dividend range 12%-15% — midpoint shown as the headline rate. Paybill 240240.
Verified
Verified 18 Sept 2026 · source
13.5%
Interest rate
Compare
Details

Full details for this product aren't published yet.

Requirements & terms

Requirements for this product aren't published yet.

Frequently asked questions

How many saccos providers does WeCompare track?

We currently track 31 institutions offering saccos in Kenya.

What is the lowest-cost saccos rate right now?

Stima Sacco · saccos, currently at 1.0%. Rates across the providers we track span a 17.0pp range — see the full ranked table below.

Is this saccos data real, or a sample?

Every listing on this page is real and verified — each row is checked against the institution's own published rate, with a source link and verification date.

How are saccos ranked on this page?

We sort by headline rate, lowest to highest, with the fee shown alongside so the ranking isn't just the biggest number. Sample/template rows are always pinned below real ones and never win the ranking.

More resources

Find additional information on WeCompare’s categories and more personal finance products.

Find the right SACCO for your savings and loans

Compare SACCO loan rates and savings dividends from verified SACCOs.

Compare SACCOs