20 Best Saccos in Kenya 2021

Finding the Best SACCOs in Kenya in 2021 is every person’s desire. With the increase in SACCOS in Kenya today, one can easily fall victim to scams posing as investment SACCOS.

SASRA regulates savings And Credit Cooperative Organizations (SACCO). The Sacco And Societies Regulatory Authority (SASRA) is a governmental organization mandated to oversee SACCO activities in Kenya. Therefore, the first step to knowing if a SACCO is worth your investment is to check if SASRA has a list of registered SACCOs in Kenya 2021.

But how do you choose the Best Saccos in Kenya today? This article outlines a reasonable investment SACCO feature and a list of the top 20 SACCOs in Kenya 2021.

Best Investment Saccos in Kenya

Below is a list of the best SACCOs in Kenya 2021.

  1. Unaitas SACCO
  2. Kenya Police SACCO
  3. Stima SACCO
  4. K-Unity SACCO
  5. Waumini SACCO
  6. Maisha Bora SACCO
  7. Hazina SACCO
  8. Wanandege SACCO
  9. Harambee SACCO
  10. Imarika SACCO.

1. Unaitas SACCO

Unaitas SACCO was started in 1993 as a cooperative society known as Muramati in Murang’ a County. It has grown over the years in various parts of the country. Today, Unaitas SACCO is a deposit-taking SACCO.

Unaitas SACCO is widely known for business investments, and it’s famous for small-scale investors. This SACCO gives out loans to members up to three times the member’s savings. With repayment interests ranging between 1% and 1.5% per month with a reducing balance, loan periods can be extended to 72 months.

2. Kenya Police SACCO

Another best Sacco in Kenya 2021 is The Kenya police SACCO, founded in 1972 to serve those who worked in the Kenya Police Force. Currently, the SACCO is open for all Kenyans and has a membership of over 52,000.

Loans offered to members are as much as three times the members’ investment. The interests in loans from the Kenya Police SACCO are slightly high, and loans take 48 months. However, this SACCO is well known for its excellence in services to investors.

The Kenya Police SACCO headquarters is located in the Ngara area, Nairobi.

3. Stima SACCO

Stima SACCO is famous for its land investments. The SACCO was started in 1974 and has seen tremendous growth since then. Currently, the SACCO has five branches across the country.

This SACCO offers loans up to two times the member’s savings. The interests charged on loans are as low as 1%  per month with a reducing balance. The loan periods are extendable for up to 60 months.

Stima SACCO has branches in Nairobi, Mombasa, Kisumu, Eldoret, and Olkaria. It is considered one of the best performing SACCOs in Kenya 2021.

4. K-Unity SACCO

This SACCO is majorly centered in Nairobi and Kiambu regions. It was formerly registered in 1974. The SACCO membership is open to all but through vetting.

New members get vetted through the membership policy before being registered. SACCO is famous for small business growth.

K-Unity SACCO gives loans up to four times the member’s savings at an interest of 1% per month at a reducing balance.

5. Waumini SACCO

Waumini is a SACCO founded by the Catholic Church for members of the congregation. The SACCO gives loans of up to three times the member’s savings. The loan is repaid within five years at an interest rate of 12.5% per anum.

This SACCO is best for short-term projects and not long-term ones such as home construction.

6. Maisha Bora SACCO

The SACCO was started in 1974 by a group of employees from the Unilever company. Currently, the SACCO offers membership to all interested persons.

The SACCO gives loans up to three times the member’s investment. The loans are charged an interest of 1% per month on a reducing balance. The loan periods in this SACCO do not exceed six years.

7. Hazina SACCO

This SACCO focuses on county government employees, National government employees, government organization employees, and private sector employees.

The SACCO was founded in 1971 and has grown to become a deposit-taking SACCO society with a membership of over 15,000.

The SACCO offers loans up to 3.5 times the member’s savings. The interest charged is 1% per month on a reducing balance. The loan period is extendable to 72 months.

8. Wanandege SACCO

This SACCO was started in 1977 for Kenya’s airline and aviation staff. Currently, the Sacco has two branches, one in Nairobi and the other in Mombasa.

The SACCO is open to all members from both the aviation industry and other non-related companies. Members of the SACCO can access loans up to three times their savings. The loan period does not exceed four years, and interest of 1% per month with a reducing balance is charged.

9. Harambee SACCO

Harambee SACCO was started in 1970 by low-income earners and subordinate staff at the office of the president. Today, the SACCO commands an asset base of over Ksh.19 billion with a membership of over 80,000.

The SACCO membership is open to all. Although one has to qualify through the membership policy before being declared a member, members of the SACCO can access loans up to three times their savings for a period not exceeding four years.

10. Imarika SACCO

Imarika SACCO was started in 1974 by employees of the Teacher Service Commission in Kilifi. During its registration, Imarika SACCO had only 100 members. The SACCO has grown over time, and currently, it has over 37,000 members.

Members of Imarika SACCO can access loans up to two times their savings at a 12.5% monthly interest.  The allowed repayment period for loans from Imarika SACCO is five years.

Different SACCOs have different modes of operation. Therefore, you should look for one whose conditions favor your interests as an investor. Investing in legitimate SACCOs is one of the best ways to safeguard your money for future use.

Features of Investment SACCOs in Kenya

The following are features of investment SACCOs in Kenya.

  • A good Investment in SACCO in Kenya will boost your confidence when investing in it.
  • Good Investment SACCOs in Kenya will provide you with the relevant information to make investments with good returns.
  • A good SACCO will safeguard your interests as a stakeholder and offer you avenues to expand your wealth with minimal risk.

SACCOs that put the investors’ interests as the last option are likely to collapse. In that case, it is not advisable to invest in such SACCOs since the collapse of a SACCO means loss of invested money.

Complete list of SACCOs in Kenya

Here is the full list of SACCOs in Kenya 2021 licensed under The SACCO Societies Act to undertake deposit-taking business in Kenya

No. SACCO
1 2NK Sacco Society Ltd
2 Acumen Sacco Society Ltd
3 Afya Sacco Society Ltd
4 Agro-Chem Sacco Society Ltd
5 Ainabkoi Sacco Society Ltd
6 Airports Sacco Society Ltd
7 Amica Sacco Society Ltd
8 Ammar Sacco Society Ltd
9 Ardhi Sacco Society Ltd
10 Asili Sacco Society Ltd
11 Azima Sacco Society Ltd
12 Bandari Sacco Society Ltd
13 Baraka Sacco Society Ltd
14 Baraton University Sacco Society Ltd
15 Biashara Sacco Society Ltd
16 Biashara Tosha Sacco Society Ltd
17 Bi-High Sacco Society Ltd
18 Bingwa Sacco Society Ltd
19 Boresha Sacco Society Ltd
20 Capital Sacco Society Ltd
21 Centenary Sacco Society Ltd
22 Chai Sacco Society Ltd
23 Chuna Sacco Society Ltd
24 Comoco Sacco Society Ltd
25 Cosmopolitan Sacco Society Ltd
26 County Sacco Society Ltd
27 Daima Sacco Society Ltd
28 Dhabiti Sacco Society Ltd
29 Dimkes Sacco Society Ltd
30 Dumisha Sacco Society Ltd
31 Eco-Pillar Sacco Society Ltd
32 Egerton Sacco Society Ltd
33 Elimu Sacco Society Ltd
34 Enea Sacco Society Ltd
35 Faridi Sacco Society Ltd
36 Fariji Sacco Society Ltd
37 Fortitude Sacco Society Ltd
38 Fortune Sacco Society Ltd
39 Fundilima Sacco Society Ltd
40 GDC Sacco Society Ltd
41 Golden Pillar Sacco Society Ltd
42 Good Faith Sacco Society Ltd
43 Goodhope Sacco Society Ltd
44 Goodway Sacco Society Ltd
45 Gusii Mwalimu Sacco Society Ltd
46 Harambee Sacco Society Ltd
47 Hazina Sacco Society Ltd
48 Ilkisonko Sacco Society Ltd
49 Imarika Sacco Society Ltd
50 Imarisha Sacco Society Ltd
51 Invest and Grow (IG) Sacco Society Ltd
52 Jacaranda Sacco Society Ltd
53 Jamii Sacco Society Ltd
54 Jitegemee Sacco Society Ltd
55 Joinas Sacco Society Ltd
56 Jumuika Sacco Society Ltd
57 Kencream Sacco Society Ltd
58 Kenpipe Sacco Society Ltd
59 Kenversity Sacco Society Ltd
60 Kenya Achievas Sacco Society Ltd
61 Kenya Bankers Sacco Society Ltd
62 Kenya Highlands Sacco Society Ltd
63 Kenya Midland Sacco Society Ltd
64 Kenya Police Sacco Society Ltd
65 Kimbilio Daima Sacco Society Ltd
66 Kimisitu Sacco Society Ltd
67 Kingdom Sacco Society Ltd
68 Kipsigis Edis Sacco Society Ltd
69 Kite Sacco Society Ltd
70 Kitui Teachers Sacco Society Ltd
71 Kolenge Tea Sacco Society Ltd
72 Koru Sacco Society Ltd
73 K-Pillar Sacco Society Ltd
74 K-Unity Sacco Society Ltd
75 Kwetu Sacco Society Ltd
76 Lainisha Sacco Society Ltd
77 Lamu Teachers Sacco Society Ltd
78 Lengo Sacco Society Ltd
79 Mafanikio Sacco Society Ltd
80 Magadi Sacco Society Ltd
81 Magereza Sacco Society Ltd
82 Maisha Bora Sacco Society Ltd
83 Mentor Sacco Society Ltd
84 Metropolitan National Sacco Society Ltd
85 MMH Sacco Society Ltd
86 Mombasa Port Sacco Society Ltd
87 Mudete  Factory  Tea  Growers  Sacco
88 Muki Sacco Society Ltd
89 Mwalimu National Sacco Society Ltd
90 Mwietheri Sacco Society Ltd
91 Mwito Sacco Society Ltd
92 Nacico Sacco Society Ltd
93 Nafaka Sacco Society Ltd
94 Nandi Farmers Sacco
95 Nanyuki Equator Sacco Society Ltd
96 Nation Sacco Society Ltd
97 Nawiri Sacco Society Ltd
98 Ndege Chai Sacco Society Ltd
99 Ndosha Sacco Society Ltd
100 New Forties Sacco Society Ltd
101 Nexus Sacco Society Ltd
102 Ng’arisha Sacco Society Ltd
103 Noble Sacco Society Ltd
104 NRS Sacco Society Ltd
105 NSSF Sacco Society Ltd
106 Nufaika Sacco Society Ltd
107 Nyala Vision Sacco Society Ltd
108 Nyambene Arimi Sacco Society Ltd
109 Nyamira Tea Farmers Sacco Society Ltd
110 Nyati Sacco Society Ltd
111 Ollin Sacco Society Ltd
112 Orient Sacco Society Ltd
113 Patnas Sacco Society Ltd
114 Prime Time Sacco
115 PUAN Sacco Society Ltd
116 Qwetu Sacco Society Ltd
117 Rachuonyo Teachers Sacco Society Ltd
118 Safaricom Sacco Society Ltd
119 Sheria Sacco Society Ltd
120 Shirika Deposit Taking Sacco Society Ltd
121 Shoppers Sacco Society Ltd
122 Simba Chai Sacco Society Ltd
123 Siraji Sacco Society Ltd
124 Skyline Sacco Society Ltd
125 Smart Champions Sacco Society Ltd
126 Smart-Life Sacco Society Ltd
127 Solution Sacco Society Ltd
NO. NAME OF SOCIETY
128 Sotico Sacco Society Ltd
129 Southern Star Sacco Society Ltd
130 Stake Kenya Sacco Society Ltd
131 Stawisha Sacco Society Ltd
132 Stima Sacco Society Ltd
133 Suluhu Sacco Society Ltd
134 Supa Sacco Society Ltd
135 Tabasamu Sacco Society Ltd
136 Tabasuri Sacco Society Ltd
137 TAI Sacco Society Ltd
138 Taifa Sacco Society Ltd
139 Taqwa Sacco Society Ltd
140 Taraji Sacco Society Ltd
141 Telepost Sacco Society Ltd
142 Tembo Sacco Society Ltd
143 Tenhos Sacco Society Ltd
144 Thamani Sacco Society Ltd
145 The Apple Sacco Society Ltd
146 Times-U Sacco Society Ltd
147 Tower Sacco Society Ltd
148 Trans- Elite County Sacco Society Ltd
149 Trans Nation Sacco Society Ltd
150 Trans-Counties Sacco Society Ltd
151 Trans-National Times Sacco Society Ltd
152 Uchongaji Sacco Society Ltd
153 Ufanisi Sacco Society Ltd
154 Ukristo Na Ufanisi Wa Anglicana Sacco
155 Ukulima Saco Society Ltd
156 Unaitas Sacco Society Ltd
157 Uni-County Sacco Society Ltd
158 Unison Sacco Society Ltd
159 United Nations Sacco Society Ltd
160 Universal Traders Sacco Society Ltd
161 Ushuru Sacco Society Ltd
162 Vihiga County Farmers Sacco Society Ltd
163 Viktas Sacco Society Ltd
164 Vision Africa Sacco Society Ltd
165 Vision Point Sacco Society Ltd
166 Wakenya Pamoja Sacco Society Ltd
167 Wakulima Commercial Sacco Society Ltd
168 Wana-anga Sacco Society Ltd
169 Wananchi Sacco Society Ltd
170 Wanandege Sacco Society Ltd
171 Washa Sacco Society Ltd
172 Waumini Sacco Society Ltd
173 Wevarsity Sacco Society Ltd
174 Winas Sacco Society Ltd
175 Yetu Sacco Society Ltd
Anne Katana
I am a student of history. In my free time, I enjoy sharing my passion and experiences with people through blogging. I started this blog in 2021 and have been writing articles for this blog since then. So welcome to Nasonga (I am Moving).

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