In Kenya, SACCOs (Savings and Credit Cooperative Societies) are a vital part of the financial ecosystem, offering affordable loans, high-interest savings accounts, and investment opportunities to their members. With many SACCOs operating across the country, choosing the right one can make a huge difference in your financial growth. Here’s a list of the best SACCOs to join in Kenya in 2026, offering a combination of great dividends, competitive loan products, and strong customer service.
1. Amica Sacco
Amica Sacco is one of the best SACCOs in Kenya, offering a wide range of financial products including savings, loans, and investment options. Founded in 1966, Amica Sacco is a Tier One SACCO with 18 branches across Nairobi, Kiambu, and Muranga Counties. With services like mobile banking, Visa cards, and low-interest loans (starting at 1% per month), Amica Sacco is committed to empowering individuals and businesses. Members can access loans of up to ten times their savings through the Investa program.
Contact: 0729 333 444
Website: amicacs.co.ke
2. Stima Sacco
Stima Sacco is a fast-growing, nationwide SACCO with an asset base of Ksh 53.78 billion. It offers various savings and credit products such as development loans, asset financing, and mortgages. The SACCO has branches in major cities like Nairobi, Kisumu, and Mombasa, making it accessible to a wide range of members.
3. Mwalimu National Sacco
Mwalimu National Sacco is the largest SACCO in Africa, serving teachers and education sector employees in Kenya. With an asset base of Ksh 64.06 billion, it offers business loans, welfare services, and a range of savings products. Membership is exclusive to teachers and education professionals, making it a specialized SACCO with competitive financial products.
4. Nyati Sacco
Nyati Sacco is renowned for its high dividend payout rate of 21% on share capital. This SACCO offers a wide range of financial services, including loans, savings, and investment opportunities, making it one of the best-performing SACCOs in Kenya.
5. Afya Sacco
Afya Sacco, with an asset base of Ksh 20.94 billion, is one of Kenya’s largest deposit-taking SACCOs. It is member-driven and provides financial services to health professionals and their families. Afya Sacco is known for its excellent customer service and a broad array of financial products tailored to meet the needs of its members.
6. Ports Sacco
Ports Sacco is a Tier 1 SACCO with a membership base that spans across various sectors, including salaried individuals, investment groups, and corporates. It is one of the highest dividend-paying SACCOs in Kenya, with a payout rate of 20%. Ports Sacco is a great option for both employees and business owners.
7. Trans Nation Sacco
Trans Nation Sacco is a SASRA-compliant SACCO with an impressive membership of over 37,000 in BOSA and more than 75,000 accounts in FOSA. Known for its high dividends and reliable loan products, this SACCO offers a solid foundation for financial growth.
8. Harambee Sacco Society
Harambee Sacco mainly serves employees from government bodies such as the National Police Service, KDF, and various county governments. With an asset base of Ksh 37.01 billion, this SACCO provides a broad range of financial products, including loans, savings, and investment opportunities.
9. Magadi Sacco
Magadi Sacco has been in operation since 1977 and is known for its high dividend payouts (20%). It offers both BOSA and FOSA products and is one of the most established SACCOs in Kenya. Its membership is open to all, making it accessible to a wide audience.
10. Hazina Sacco
With an asset base of Ksh 12.76 billion, Hazina Sacco offers high interest on deposits and dividend payouts. It provides financial services to employees of national and county governments, as well as private sector employees. Hazina Sacco stands out for its competitive savings and loan options.
11. Sheria Sacco
Sheria Sacco has been serving the legal sector since its formation in 1972, with over 10,000 members. This SACCO offers one of the highest dividend payouts in Kenya at 16%. Its membership is open to employees of the judiciary, government ministries, and other eligible individuals.
12. Kenya Police Sacco
Founded in 1973, Kenya Police Sacco has an asset base of Ksh 48.98 billion and serves members of the Kenya Police Service, civil service employees, and the business community. It provides a variety of savings and loan products and offers competitive interest rates.
13. Unaitas Sacco
Unaitas Sacco, with an asset base of Ksh 20.40 billion, offers savings products and loan facilities such as development loans, biashara loans, and business quick fixes. This SACCO has gained a reputation for its strong customer service and solid financial products.
14. Imarisha Sacco
Imarisha Sacco is known for its excellent customer service and branch network of 14 locations across Kenya. With an asset base of Ksh 19.82 billion, it offers a wide range of financial products designed to meet the needs of its diverse membership.
15. Tower Sacco
Tower Sacco is one of the largest SACCOs in Kenya, with over 250,000 members and an asset base of Ksh 19.57 billion. It offers savings accounts, loans, and investment products to its members and is widely regarded for its strong financial performance.
16. Ukulima Sacco
Ukulima Sacco is one of the largest deposit-taking SACCOs in Kenya, with an asset base of Ksh 14.66 billion. It provides a wide range of lending, savings, and investment products, making it a top choice for many Kenyans.
17. Invest & Grow Sacco (IG Sacco)
IG Sacco is a well-managed SACCO with an asset base of Ksh 12.96 billion. It offers one of the highest dividend payout rates in Kenya at 17%, making it a great choice for individuals looking for strong returns on their investments.
18. Ollin Sacco
Headquartered in Kerugoya Town, Ollin Sacco stands out for its affordable financial services and strong commitment to empowering its members. With a dividend payout rate of 17.5%, Ollin Sacco is one of the most rewarding SACCOs in Kenya.
19. Bandari Sacco
Bandari Sacco, with an asset base of Ksh 12.01 billion, promotes thrift and provides credit services at competitive interest rates. It has over 18,000 members and focuses on strengthening the financial well-being of its members.
20. Mafanikio Sacco
Mafanikio Sacco offers a wide range of financial services and has a dividend payout rate of 18%. It focuses on quality savings mobilization, strong capitalization, and prompt credit availability, making it one of the most reliable SACCOs in Kenya.
Conclusion
Choosing the right SACCO in Kenya can greatly improve your financial health, whether you are looking for high dividends, competitive loan rates, or excellent customer service. The best SACCOs to join in Kenya in 2026 offer a combination of all these qualities, ensuring that your financial growth is supported by a strong, customer-focused institution.