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Best Saccos to Join in Kenya

The best SACCOs to join in Kenya are listed here for you. Saccos primarily aim to unite individuals with comparable financial circumstances or traits in order to facilitate investment and saving. There are numerous Saccos that provide these kinds of opportunities. Not all, nevertheless, have been successful in effectively defending the interests of their members.

This is an extensive list of the top SACCOs in Kenya that you are welcome to join.

List of Kenya’s Best Performing and Managed Saccos to Join

1. Mwalimu National Sacco

With members primarily drawn from Kenyan teachers, it is the biggest Sacco in Africa. It provides a broad range of goods and services, including FOSA products, social services, business loans, and Back Office Services Activities (BOSA). Only teachers, Sacco employees, and Teachers Service Commission employees are eligible to join.

2. Amica Sacco

One of the best SACCOs in Kenya to join is Amica. Established in 1966 by Murang’a coffee farmers, it is a Tier One Sacco that has expanded its bond to include other industries. After changing its name in 2016, the Sacco is now known as Amica Savings & Credit, or just Amica Sacco.

Mobile financial, Sacco Agency, Visa Card, Cheque books, Pay Bills, and Money Transfer Services like Pesalink and RTFT are among Amica Sacco’s financial outlets. Over 360 agents and 18 branches are dispersed throughout Nairobi, Kiambu, and Murang’a Counties by the Sacco.

Members receive loans, or “Investa,” at a rate ten (10) times their savings. Up to five years are allowed for loan repayment, and interest is assessed at a rate as low as 1% monthly on the principal sum.

3. Harambee Sacco

The Kenya Defence Forces, the National Police Service, the National Youth Service, government ministries, county governments, government parastatals, and constitutional organizations are the primary sources of new members for Harambee Sacco. Private sector workers are welcome to join as well.

4. Stima Sacco

With an asset base of over Kshs. 30 billion, it is a well-known, fast-growing, licensed deposit-taking Sacco across the nation. It provides fantastic credit and savings options, including mortgages, asset financing, development loans, and biashara loans. Anyone can become a member of the Sacco. Its branches are located in Mombasa, Nairobi, Kisumu, Eldoret, Nakuru, and Embu.

5. Hazina Sacco

The primary goal of this national deposit-taking Sacco, which was founded in 1971, is to encourage members to be economical and save money. The business sector, county governments, parastatals, and government departments comprise the membership of the Sacco.

6. United Nations Sacco

The Sacco started operating in 1975. Its current asset base is valued at Kshs. 12 billion. It provides its members with a large selection of loan services and financial goods. To join the Sacco, an individual must submit a membership application, pay a 1,000 shilling charge, raise 50,000 Kshs in share capital, and contribute Kshs 2,300 every month at minimum.

7. Kenya Medical Association Sacco

Since registering as a sacco in 1998, it has expanded significantly to become a prominent national financier for medical professionals. At present, the Sacco’s asset base is valued at 3.655 billion.

8. Kenya Police Sacco

In an effort to mobilize resources and offer accessible loan facilities, the Sacco began operations in 1973. The Sacco has Kshs. 26 billion in loans and an asset base of 30 billion. Its membership is drawn from the business community, corporate employees, the Kenyan police service and Sacco, as well as active and retired law enforcement personnel.

9. Waumini Sacco

With more than 25,000 members who are drawn from Catholic institutions, Catholic churchgoers, and former staff members of Catholic institutions, it is a prominent progressive Sacco. Products include FOSA loans, tulia loans, emergency loans, mjengo loans, salary advances, and FOSA rapid fixes are offered by The Sacco.

10. Unaitas Sacco

It is a Sacco that accepts deposits and was granted a license by the Sacco Societies Act, 2012. The company provides lending products and saving options, including quick business fixes, development loans, biashara loans, inuka loans, project loans, kilimo poa advance, and maono advance loans.


Other excellent choices:-

  • Kimisitu Sacco 
  • Nation Sacco
  • Bandari Sacco
  • Safaricom Sacco
  • Balozi Sacco
  • Mwito Sacco
  • Sheria Sacco

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