Your Guide to Maximising Returns Through Cooperative Savings
Kenya’s Savings and Credit Cooperative Societies (Saccos) continue outperforming traditional banks with lucrative dividend payouts. In 2025, several Saccos have stood out for rewarding members with returns as high as 21% on share capital, making them a top choice for savvy investors. Below is a curated list of the best-performing Saccos this year, based on verified dividend declarations and regulatory reports 113.
1. Nyati Sacco
- Dividend on Shares: 21%
- Interest on Deposits: 11.3%
- Key Facts: Founded in 1977, Nyati serves over 33,000 members and offers flexible membership for diaspora and corporate groups. Its asset base exceeds Ksh 4.7 billion, with a focus on low-cost loans and financial empowerment.
2. Tower Sacco
- Dividend on Shares: 20%
- Interest on Deposits: 13%
- Key Facts: Starting as a teachers’ cooperative in 1976, Tower now serves 250,000+ members with Ksh 28 billion in assets. It reported a 24% revenue surge in 2024.
3. Ports Sacco
- Dividend on Shares: 20%
- Interest on Deposits: 12.5%
- Key Facts: Established in 1966, Ports Sacco expanded beyond maritime workers to include salaried professionals and diaspora members. It holds Ksh 10.5 billion in assets and won awards for governance.
4. Magadi Sacco
- Dividend on Shares: 20%
- Interest on Deposits: 14%
- Key Facts: Originally for Magadi Soda employees, this Sacco now welcomes all Kenyans. It offers loans up to 3x deposits and has a 45-year legacy.
5. Yetu Sacco
- Dividend on Shares: 19%
- Interest on Deposits: 13%
- Key Facts: Rebranded in 2010, Yetu serves tea growers and others in Meru County. Its asset base grew to Ksh 7.86 billion in 2024.
6. Ollin Sacco
- Dividend on Shares: 17.5%
- Interest on Deposits: 12.2%
- Key Facts: Africa’s first Sacco with Front Office Services (FOSA), Ollin has 30,000+ members and Ksh 11.7 billion in assets.
7. Police Sacco
- Dividend on Shares: 17%
- Interest on Deposits: 11%
- Key Facts: Kenya’s third-largest Sacco by assets, it caters to law enforcement and the public. Members enjoy loan multiples up to 4x, savings.
8. Hazina Sacco
- Dividend on Shares: 17%
- Interest on Deposits: 10.8%
- Key Facts: With Ksh 12.7 billion in assets, Hazina serves public and private sector employees. Minimum monthly contribution: Ksh 1,000.
9. Winas Sacco
- Dividend on Shares: 16.5%
- Interest on Deposits: 12.5%
- Key Facts: Formerly Embu Teachers Sacco, Winas now serves 45,000+ members with Ksh 14.4 billion in assets.
10. Cosmopolitan Sacco
- Dividend on Shares: 16%
- Interest on Deposits: 12.04%
- Key Facts: Based in Nakuru, this Sacco offers mobile banking and ATM access. Assets grew to Ksh 11.7 billion in 2024.
11. Solution Sacco
- Dividend on Shares: 15%
- Interest on Deposits: 12.5%
- Key Facts: A Meru-based cooperative with 35,000+ members, Solution focuses on teachers, healthcare workers, and SMEs.
12. Stima Sacco
- Dividend on Shares: 15%
- Interest on Deposits: 11%
- Key Facts: With Ksh 53.8 billion in assets, Stima serves the energy sector and beyond. Open to all with a Ksh 1,000 monthly deposit.
13. Trans Nation Sacco
- Dividend on Shares: 15%
- Interest on Deposits: 12.5%
- Key Facts: Founded by teachers, it now serves 28,000+ members across sectors. Assets exceed Ksh 12 billion.
14. Mentor Sacco
- Dividend on Shares: 15%
- Interest on Deposits: 12.5%
- Key Facts: Assets surpassed Ksh 15 billion in 2024, with a focus on transparency and member trust.
15. Kenya Highlands Sacco
- Dividend on Shares: 15%
- Interest on Deposits: 13.8%
- Key Facts: A top performer in the Rift Valley, it offers competitive loan rates and high liquidity.
16. NewFortis Sacco
- Dividend on Shares: 14%
- Interest on Deposits: 13%
- Key Facts: Formerly Nyeri Teachers Sacco, it has 20,500+ members and Ksh 11.1 billion in assets.
17. Univision Sacco
- Dividend on Shares: 14.5%
- Interest on Deposits: 12%
- Key Facts: Known for tech-driven services, Univision emphasises accessibility for young professionals.
18. Imarisha Sacco
- Dividend on Shares: 14%
- Interest on Deposits: 11%
- Key Facts: With 13 branches nationwide, Imarisha requires a Ksh 1,600 monthly contribution.
19. Capital Sacco
- Dividend on Shares: 15%
- Interest on Deposits: 9%
- Key Facts: Rebranded from Meru Farmers Sacco, it targets entrepreneurs and salaried individuals.
20. Nation Sacco
- Dividend on Shares: 20%
- Interest on Deposits: 11%
- Key Facts: A rising star in 2025, Nation Sacco combines high returns with robust digital services.
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