Best Saccos in Kenya

List of 25 Best Saccos in Kenya [2023] Top Savings and Credit Cooperative Organizations – SASRA

Investment-conscious income earners are often on the lookout for high-rating savings and credit cooperative organizations. The search goes on amid tough economic times marked with financial uncertainties. Detailed in our list are the best Saccos in Kenya.

Unlike banks, Saccos guarantee sliced interest rates for both members and non-members. They are equally attractive with flexible terms and conditions.

List of 25 Best Saccos in Kenya today

Saccos are the easiest way of minimizing unexpected financial troubles in the process of chasing financial success.

Even so, being aware of scammers is important when choosing where to place your lifetime investments. Enlisted are the best Saccos in Kenya in 2023.

1. Mwalimu Sacco

Founded in 1974, Mwalimu Sacco is lately the largest of its kind in Africa. Its financial solutions centre on cushioning member teachers from unseen financial constraints.

The Sacco has 18 branches in various parts of the country among them Upperhill, Nairobi, Kisumu, Kisii, Nyeri, Webuye, Mombasa, Kitui, Meru, Nakuru, Eldoret, Kakamega, Machakos, Embu, Homabay, Thika, Kapenguria, and TSC headquarters.

Phone number0709898000
SMS Number20156
P.O Box62641
Postal address00200

Mwalimu Sacco’s head offices are located in Mwalimu Towers along Hill Lane, Off Mara Road, Upper Hill.

2. Stima Sacco

Joining Stima Sacco is straightforward for all Kenyan citizens determined to improve their financial status.

Diverse saving and investment options make Stima Sacco the most trusted financial partner.

Phone number0703024000
P.O Box75629
Postal address00200

Call or visit Stima Sacco Plaza along Mushembi Road in Parklands, Nairobi for personalized inquiries.

3. Safaricom Sacco

The Saccos is critical in transforming the lives of its members through innovative and accessible financial services.

Membership is open to all including Safaricom employees and their beneficiaries.

Phone number+2540111222226
P.O Box75629
Postal address00200

The head office is situated in Safaricom Care Centre, First Floor – Westlands.

4. Mhasibu Sacco

On offer at Mhasibu Sacco are diverse financial products such as gold loan, swift loan, Mobi loan, top-up loan, and self-guaranteed loans.

The Sacco brags a membership of professionals with underlying assets of at least Ksh. 7.5 billion. 

Mobile No020 5141900

Started in 1986, Mhasibu Sacco’s head office is in Nairobi City, ABSA Towers, 8th Floor.  

5. Hazina Sacco

The society offers its members both Back Office Service Activities (BOSA) and Front Office Service Activities (FOSA).

While FOSA allows members to access their funds at any time, BOSA does not.

Phone number0202719098

The majority of Hazina Sacco Society Ltd members are county employees, national government officials, and parastatals.

Started in 1971, Hazina Sacco has its headquarters along Kibera Road, Off Ngong Road,

6. Kenya Police Sacco

Low-interest rate instant M-Tawi FOSA loans and high annual dividends are core benefits of the Kenya Police Sacco.


7. Waumini Sacco

Waumini Sacco is a leading progressive society with its members specifically drawn from the catholic institutions in Kenya.

Phone number0709052000

8. Kimisitu Sacco

The main aim of Kimisitu is to empower members through a calculated accumulation of funds.

USSD Code*503#
Phone number+254709136000
AddressAEA Plaza, Valley Road

9. Harambee Sacco

Unlike the rest, Harambee Sacco provides flexible financial solutions with extended repayment periods.

AddressHarambee Coop Plaza

10. Kenya Bankers Sacco

The majority of members in the Sacco are seasoned bankers with diverse experience in money market funds.


11. Sheria Sacco


Full list of best Saccos in Kenya

Enlisted are additional Saccos in Kenya 2023.

  • Ezeka Sacco
  • Unaitas Sacco
  • United Nations Sacco Society
  • Maisha Bora Sacco
  • K-Unity Sacco
  • Wanandege Sacco
  • Matatu Sacco in Kenya

Apart from financial stability, most Saccos encourage benevolence funds among other benefits.

All the best Saccos in Kenya are SASRA compliant with the members’ interests at heart. Become a member and start saving today for a brighter future.  

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