Top 100 SACCOS in Kenya For Savings and Investment[2024]

Are you considering joining a Savings and Credit Cooperative (SACCO) in Kenya? There are numerous SACCOS, each with unique features and benefits. To help you make an informed decision, we have compiled a list of the top 100 SACCOS in Kenya based on their financial performance, customer satisfaction, and overall reputation.

Jun 5, 2023 - 20:58
Feb 6, 2024 - 17:33
Top 100 SACCOS in Kenya For Savings and Investment[2024]
Top 100 SACCOS in Kenya: Best Savings and Credit Cooperatives[2024]

Savings and Credit Cooperatives, or S.A.C.C.O.S., are integral to Kenya's financial system, providing affordable and accessible financial services to millions nationwide. S.A.C.C.O.S. are owned and controlled by their members, borrowers, and depositors. These cooperatives play a critical role in the economic development of Kenya, providing financial assistance to small businesses, farmers, and individuals.

This article will provide a comprehensive guide to the top 100 S.A.C.C.O.S. in Kenya based on their performance, membership, and services offered. We will also summarize each SACCO's essential features, such as loan limits, interest rates, and repayment periods. By reading this guide, you can decide which SACCO best fits your financial needs.

Now let us get started.

Unaitas SACCO

Established in 1984, Unaitas SACCO is one of Kenya's largest and most successful S.A.C.C.O.S., with over 200,000 members and assets worth over K.E.S. 10 billion. The SACCO offers a range of financial products and services, including loans, savings accounts, and insurance. Unaitas SACCO strongly focuses on education, with several programs designed to help members improve their financial literacy and business skills.

Key features

  • Loan limits: Up to K.E.S. 2 million
  • Interest rates: 17% per annum
  • Repayment periods: Up to 4 years

Kenya Police SACCO

As the name suggests, Kenya Police SACCO is exclusively for members of the Kenya Police Service and their families. Established in 1971, the SACCO has grown to become one of the largest and most successful in the country, with over 60,000 members and assets worth over K.E.S. 2 billion. In addition to loans and savings accounts, Kenya Police SACCO also offers insurance and investment products.

Key features

  • Loan limits: Up to KES 500,000
  • Interest rates: 14% per annum
  • Repayment periods: Up to 3 years

Stima SACCO

Stima SACCO serves the employees of the Kenya Power and Lighting Company, as well as their families. Established in 1976, the SACCO has a strong track record of financial stability and has grown to one of the country's largest, with over 40,000 members and assets worth over K.E.S. 4 billion. Stima SACCO offers a range of financial products and services, including loans, savings accounts, insurance, and investment options.

Key features

  • Loan limits: Up to K.E.S. 2 million
  • Interest rates: 16% per annum
  • Repayment periods: Up to 5 years

K-Unity SACCO

K-Unity SACCO is a SACCO that serves the employees of the Kenya Revenue Authority (KRA), as well as their families. Established in 1988, the SACCO strongly focuses on providing financial assistance to its members, offering loans, savings accounts, and insurance products. K-Unity SACCO has a reputation for excellent customer service. It has become one of the largest S.A.C.C.O.S. in the country, with over 50,000 members and assets worth over K.E.S. 5 billion.

Key features

  • Loan limits: Up to K.E.S. 2 million
  • Interest rates: 18% per annum
  • Repayment periods: Up to 5 years

Waumini SACCO

Waumini SACCO is a SACCO that serves the employees of the Catholic Church in Kenya, as well as their families. Established in 1987, the SACCO strongly focuses on community development and has several programs to help members improve their financial literacy and business skills. Waumini SACCO has grown to become one of the largest S.A.C.C.O.S. in the country, with over 60,000 members and assets worth over K.E.S. 6 billion.

Key features

  • Loan limits: Up to K.E.S. 1 million
  • Interest rates: 15% per annum
  • Repayment periods: Up to 4 years

Maisha Bora SACCO

Maisha Bora SACCO is a SACCO that serves the employees of the Ministry of Health and their families. Established in 1992, the SACCO strongly focuses on improving its members' financial well-being, offering loans, savings accounts, and insurance products. Maisha Bora SACCO has a reputation for excellent customer service. It has become one of the largest S.A.C.C.O.S. in the country, with over 50,000 members and assets worth over K.E.S. 5 billion.

Key features

  • Loan limits: Up to KES 1.5 million
  • Interest rates: 16% per annum
  • Repayment periods: Up to 5 years

Hazina SACCO

Hazina SACCO serves the employees of the Ministry of Lands and Physical Planning, as well as their families. Established in 1999, the SACCO strongly focuses on community development and has several programs to help members improve their financial literacy and business skills. Hazina SACCO has grown to become one of the largest S.A.C.C.O.S. in the country, with over 40,000 members and assets worth over K.E.S. 4 billion.

Key features

  • Loan limits: Up to K.E.S. 1 million
  • Interest rates: 17% per annum
  • Repayment periods: Up to 4 years

Wanandege SACCO

Wanandege SACCO is a SACCO that serves the employees of the Ministry of Agriculture and their families. Established in 2002, the SACCO strongly focuses on agriculture and rural development. It has several programs to help members improve their financial literacy and business skills. Wanandege SACCO has grown to become one of the largest S.A.C.C.O.S. in the country, with over 30,000 members and assets worth over K.E.S. 3 billion.

Key features:

  • Loan limits: Up to KES 500,000
  • Interest rates: 16% per annum
  • Repayment periods: Up to 3 years

Thika United SACCO

Thika United SACCO is a SACCO that serves the employees of the Thika United Football Club, as well as their families. Established in 2005, the SACCO strongly focuses on sports development and has several programs to help members improve their financial literacy and business skills. Thika United SACCO has grown to become one of the largest S.A.C.C.O.S. in the country, with over 20,000 members and assets worth over K.E.S. 2 billion.

Key features

  • Loan limits: Up to KES 500,000
  • Interest rates: 15% per annum
  • Repayment periods: Up to 3 years

Prime SACCO

Prime SACCO is a SACCO that serves the Prime Bank of Kenya's employees and their families. Established in 2010, the SACCO strongly focuses on providing financial assistance to its members, offering loans, savings accounts, and insurance products. Prime SACCO has a reputation for excellent customer service. It has become one of the largest S.A.C.C.O.S. in the country, with over 30,000 members and assets worth over K.E.S. 3 billion.

Key features

  • Loan limits: Up to K.E.S. 1 million
  • Interest rates: 17% per annum
  • Repayment periods: Up to 4 years

Top 100 SACCOS in Kenya: A Comprehensive Guide 

  Name Headquarters  Location
1. 2NK Sacco Society Ltd Kang’aru Corner Building, Gakere Road, Nyeri
2. Acumen Sacco Society Ltd Great-Wide Mall, Magadi Road, Ongata Rongai Kajiado
3. Afya Sacco Society Ltd Afya Centre, Tom Mboya Street, Nairobi CBD Nairobi
4. Agro-Chem Sacco Society Ltd Unierectus Building, Muhoroni Town Kisumu
5. Ainabkoi Sacco Society Ltd Ainabkoi Building, Ainabkoi Trading Centre Uasin Gishu
6. Airports Sacco Society Ltd Airports SACCO Building, K.A.A. HQs, J.K.I.A., Nairobi
7. Amica Sacco Society Ltd Mugama Unions Building, Uhu- ru Street, Murang’a Murang'a
8. Ammar Sacco Society Ltd Pushpa Plaza, Kwame Nkrumah Rd, Thika Town Kiambu
9. Ardhi Sacco Society Ltd Survey of Kenya Field Hqs, Off Thika Rd, Nairobi Nairobi
10. Asili Sacco Society Ltd Asili Co-op Centre, Ngara Road, Ngara, Nairobi Nairobi
11. Azima Sacco Society Ltd Azima Sacco Plaza, Wabera Street, Thika Town Kiambu
12. Bandari Sacco Society Ltd Bandari Sacco Plaza, Moi Ave- nue, Mombasa City Mombasa
13. Baraka Sacco Society Ltd Baraka Sacco Bldg, Off- Kiaruhiu, Karatina Town Nyeri
14. Baraton University Sacco Society Ltd University of Eastern Africa, Baraton, Eldoret Town Uasin Gishu
15. Biashara Sacco Society Ltd Biashara Sacco Building, Kimathi Way, Nyeri Town Nyeri
16. Biashara Tosha Sac- co Society Ltd Gakundu F.C.S Bldg, Embu-Ki- anjokoma Rd, Manyatta Embu
17. Bi-High Sacco Society Ltd Marsabit Teachers Plaza, Mosque Rd, Marsabit Town Marsabit
18. Bingwa Sacco Society Ltd Tea Growers Complex Bldg, Kutus/Karatina Rd, Kerugoya Town Kirinyaga
19. Boresha Sacco Society Ltd Teachers Plaza, Market Road, Eldama Ravine Town Baringo
20. Capital Sacco Society Ltd M.A.C.C.U. Building, Kenyatta Highway, Meru Town Meru
21. Centenary Sacco Society Ltd Intercity Centre, Kenyatta Ave- nue, Meru Town Centre Meru
22. Chai Sacco Society Ltd KTDA Plaza, Moi Avenue, Nairobi CBD Nairobi
23. Chuna Sacco Society Ltd Engineering Dept. U.O.N., Harry Thuku Rd, Nairobi City Nairobi
24. Chuka University Sacco Society Ltd Chuka University, Chuka Town Tharaka Nithi
25. Cosmopolitan D.T. Sacco Society Ltd Natec Building, Mburu Gichua Street, Nakuru Town Nakuru
26. County Sacco Society Ltd County Sacco Building, Kanja Market Centre Embu
27. Daima Sacco Society Ltd Daima SACCO Building, Manyatta Market Centre Embu
28. Defence Sacco Society Ltd DOD HQS, Nairobi Nairobi
29. Dhabiti Sacco Society Ltd Dhabiti SACCO Building, Ka- nuni Road, Maua Town Meru
30. Dimkes DT Sacco Society Ltd Bishop Magua House, Biashara Street, Kiambu Town Kiambu
31. Dumisha Sacco Society Ltd Teachers Plaza, Harambee street, Maralal Town. Samburu
32. Eco-Pillar Sacco Society Ltd Teachers Plaza, Lotodo Street, Kapenguria Town West Pokot
33. Edis Sacco Society Ltd Ngocho Building, Opp. NCPB Bomet Depot, Bomet Town Bomet
34. Egerton Sacco Society Ltd Egerton SACCO Plaza, Egerton University, Njoro Nakuru
35. Elimu Sacco Society Ltd Elimu Hse, Mubiru Road, South B, Nairobi City Nairobi
36. Enea Sacco Society Ltd Kiangararu House, Karatina Town Nyeri
37. Faridi Sacco Society Ltd Faridi Housing Plaza, Busia Town Busia
38. Fariji Sacco Society Ltd Diplomat House, Githunguri Town Kiambu
39. Fortitude Sacco Society Ltd Fortitude SACCO Building, Mbita Township Homa Bay
40. Fortune Sacco Society Ltd Fortune Plaza, Opp. A.C.K. Cathedral, Kerugoya Town Kirinyaga
41. Fundilima Sacco Society Ltd Fedha House, J.K.U.A.T., Thika Road, Juja Town Nairobi
42. GDC Sacco Society Ltd GDC SACCO Plaza, Market Street, Githunguri Town Kiambu
43. Golden Pillar Sacco Society Ltd Imenti Complex, Main Stage, Meru Town Meru
44. Good Faith Sacco Society Ltd Kiwa House, Githunguri Road, Uplands Town, Nyambari Kiambu
45. Goodhope Sacco Society Ltd Mwalimu Plaza, Narok Town Narok
46. Goodway Sacco Society Ltd Machere Plaza, Stage Street, Kerugoya Town. Kirinyaga
47. Gusii Mwalimu Sac- co Society Ltd Gusii Mwalimu Complex, Kisii Town Kisii
48. Harambee Sacco Society Ltd Harambee Sacco Plaza, Nairobi City Centre Nairobi
49. Hazina Sacco Soci- ety Ltd Hazina SACCO Bldg. Kibera Rd, Off Ngong Rd. Nairobi Nairobi
50. Home Business Sacco Society Ltd TEK BIZ Centre, Koinange Road, Nyahururu Town Laikipia
51. Ilkisonko Sacco Society Ltd Musangairo F.S Building, Loi- toktok/Emali Road, Loitoktok Town Kajiado
52. Imarika Sacco Society Ltd K.I.T.E.C.O.H. Complex, Kwa Charo Wa Mae Street, Kilifi Town Kilifi
53. Imarisha Sacco Society Ltd Kipsigis Teachers Co-op House, Kericho Town Kericho
54. Invest and Grow (IG) Sacco Society Ltd IG Plaza, Khalisia-3 Road, Kakamega Town Kakamega
55. Jacaranda Sacco Society Ltd Finance House, Ground Floor, Ruiru Town Kiambu
56. Jamii Sacco Society Ltd Jamii Sacco Court, Mukenia Rd, South B, Nairobi Nairobi
57. Jamii Yetu Sacco Society Ltd MMH SACCO Plaza, Kanuni – Meru Rd, Maua Town Meru
58. Jitegemee Sacco Society Ltd Kizingo House 2, Kaunda Road, Mombasa City Mombasa
59. Joinas Sacco Soci- ety Ltd Kanja Hse, Limuru-Banana Rd, Banana Hill Town Kiambu
60. Jumuika Sacco Society Ltd Chemelil Sugar Sports Com- plex, Chemelil Town Kisumu
61. Kabiyet Sacco Society Ltd Kabiyet Nandi
62. Kencream Sacco Society Ltd Creamery House, Dakar Road, Nairobi Nairobi
63. Kenpipe Sacco Society Ltd Kenpipe Plaza, Off Nanyuki Rd, Industrial Area, Nairobi Nairobi
64. University Sacco Society Ltd Kenversity Plaza, Kahawa Sukari Area, Nairobi Nairobi
65. Kenya Achievas Sacco Society Ltd Achievas Plaza Nyamache-Igembe-Igage Rd, Nyamache Town Kisii
66. Kenya Bankers Sac- co Society Ltd Kenya Bankers Sacco Centre, 3rd Ngong Avenue, Nairobi City. Nairobi
67. Kenya Highlands Sacco Society Ltd Temiik House, Kericho – Kisumu Road, Kapsoit Market Centre Kericho
68. Kenya National Police DT Sacco Society Ltd Kenya Police Sacco Plaza, Ngara Rd, Ngara, Nairobi Nairobi
69. Kimbilio Daima Sacco Society Ltd Chepsol Plaza, Kimulot Town Centre Kericho
70. Kimisitu Sacco Society Ltd A.E.A. Plaza, Valley Road. Nairobi City Nairobi
71. Kingdom Sacco Society Ltd Empower House, Githurai 45, off Thika Rd, Githurai Area, Nairobi Nairobi
72. Kite Sacco Society Ltd Kenya Re-Insurance Plaza, Bank Street, Kisumu Kisumu
73. Kitui Teachers Sac- co Society Ltd Kitui Teachers Sacco Plaza, Kalundu Road, Kitui Town Kitui
74. Kolenge Tea Sacco Society Ltd Nandi-Hills Plaza, Market Street, Nandi Hills Town Nandi
75. Koru Sacco Society Ltd Homa Lime Company, Koru Town Kisumu
76. K-Pillar Sacco Soci- ety Ltd K-Pillar Bldg, Bomet –Litein Rd, Mogogosiek Town Bomet
77. K-Unity Sacco Society Ltd Mapa House, Biashara Street,Kiambu Town Kiambu
78. Kwetu Sacco Society Ltd Mwalimu Centre, Syokimau Road, Machakos Town Machakos
79. Lainisha Sacco Society Ltd SACCO Building, Embu-Nairobi Rd, Wanguru Town Kirinyaga
80. Lamu Teachers Sacco Society Ltd Lamu Teachers Housing Bldg. Galogalo Street, Lamu Town Lamu
81. Lengo Sacco Society Ltd Standard Arcade, Lamu Rd, Malindi Town Kilifi
82. Mafanikio Sacco Society Ltd Mombasa Teacher's Plaza, Jomo Kenyatta Avenue, Mom- basa Town Mombasa
83. Magadi Sacco Society Ltd Pam View Building, Magadi Road, Magadi Town Kajiado
84. Magereza Sacco Society Ltd Mageso Chambers, Moi Avenue, Nairobi City Centre Nairobi
85. Maisha Bora Sacco Society Ltd Unilever Kenya Office, Commercial Street, Industrial Area, Nairobi Nairobi
86. Mentor Sacco Society Ltd Mentor Complex, Uhuru Road, Murang’a Town Murang'a
87. Metropolitan National Sacco Society Ltd Chai House, Koinange Street, Nairobi City Centre Nairobi
88. Mombasa Port Sacco Society Ltd Mombasa Port SACCO Plaza, Mwakilingo Road, Mombasa Mom- basa
89. Mudete Factory Tea Growers Sacco Society Ltd SACCO Plaza, Kakamega- Kisu- mu Road, Khayega Town Kakamega
90. Muki Sacco Society Ltd Muki House, Ndunyu-Njeru Town Centre Nyan- darua
91. Mwalimu National Sacco Society Ltd Mwalimu        Towers, Upper Hill, Nairobi Nairobi
92. Mwietheri Sacco Society Ltd Rungeto Farmers Co-op Soci- ety Bldg, Githure Market Centre Embu
93. Mwito Sacco Society Ltd Mwito House, Desai Road, Nairobi City Nairobi
94. Nacico Sacco Soci- ety Ltd N.A.C.I.C.O. Plaza, Landhies Road, Nairobi City Nairobi
95. Nafaka DT Sacco Society Ltd Nairobi Silos Complex, Out- er-Ring Road, Nairobi Nairobi
96. Nandi Farmers Sacco Ltd Market Street, Nandi Hills Plaza, Nandi Hills Town Nandi
97. Nation DT Sacco Society Ltd Cambrian House, Moi Avenue, Nairobi CBD Nairobi
98. Nawiri Sacco Society Ltd E.M.C.O. Hse, Taifa Road, Embu Town Embu
99. Ndege Chai Sacco Society Ltd Ndege Chai House, Kisu-

mu-Kericho Highway, Kericho Town

Kericho
100. Ndosha Sacco Society Ltd Ndosha Sacco Plaza, Chogoria Town Thara- ka-Nithi
101. New Fortis Sacco Society Ltd Newfortis SACCO Complex, Off Kenyatta Road, Nyeri Town Nyeri
102. Nexus Sacco Society Ltd Kathera House, Embu-Nkubu Road, Nkubu Town Meru
103. Ng'arisha Sacco Society Ltd Bungoma Teachers SACCO Plaza, Moi Avenue, Bungoma Town Bungoma
104. N.R.S. Sacco Society Ltd 62-Ondiri Building, Kikuyu Road, Kikuyu Town Kiambu
105. NSSF Sacco Soci- ety Ltd Social Security House, Bishops Road, Nairobi Nairobi
106. Nufaika Sacco Society Ltd Machere Building, Machere Street, Kerugoya Town Kirinyaga
107. Nyala Vision Sacco Society Ltd Kimathi Street, Mahiga Building Nyandarua
108. Nyambene Arimi Sacco Society Ltd Nyambene Arimi Plaza, Maua-Kanuni Rd, Ndaragwa Town Meru
109. Nyati Sacco Society Ltd Oddysey Plaza – Mukoma Rd, Nairobi Nairobi
110. Ollin Sacco Society Ltd Ollin SACCO Complex, Total-DC Rd. Off, Kutus-Karatina High- way, Karatina Town Kirinyaga
111. Orient Sacco Society Ltd Former C.D.F. Offices, Section 9 Road, Thika Town Kiambu
112. Patnas Sacco Society Ltd Patnas Plaza, Kericho- Sotik Road, Litein Town Kericho
113. Prime Time Sacco Ltd Mwalimu Plaza, Iten-Eldoret Road, Iten Town Elgeyo Marakwet
114. PUAN Sacco Soci- ety Ltd Farmers Building, Narok- Naku- ru Road, Narok Town Narok
115. Qwetu Sacco Society Ltd T.A.T.E.C.O.H. Building, Wundanyi Town Taita Taveta
116. Rachuonyo Teachers Sacco Society Ltd Oyugis-Kisii Road, Oyugis Town Homa Bay
117. Safaricom Sacco Society Ltd Safaricom Care Centre, Waiyaki Way, Westlands, Nairobi Nairobi
118. Sheria Sacco Society Ltd Sheria SACCO Hse, Off-Matumbato Street, Upper-Hill, Nairobi Nairobi
119. Shirika Deposit Taking Sacco Society Ltd Shirika Co-op Hse, Kipande / Ngara Rd, Ngara, Nairobi City Nairobi
120. Shoppers Sacco Society Ltd Nature House, Tom Mboya Street, Nairobi CBD Nairobi
121. Simba Chai Sacco Society Ltd Kericho – Brooke Centre Kericho/Nakuru Highway, Kericho Town Kericho
122. Siraji Sacco Society Ltd N.K.M. Place, Nanyuki – Meru Highway Meru
123. Skyline Sacco Society Ltd Skyrise Plaza, Eldama Ravine- Eldoret Road, Eldama Ravine Town Baringo
124. Smart Champions Sacco Society Ltd Muranene Building, near Gi- thongo Chief's Camp, Githongo Trading Centre Meru
125. Smart-Life Sacco Society Ltd Marakwet Teachers Plaza, Moi Street, Kapsowar – Sinon Rd, Kapsowar Town Elgeyo Marakwet
126. Solution Sacco Society Ltd Meru Mwalimu Plaza, Gakoro- mone Road, Meru Town Meru
127. Sotico Sacco Society Ltd Amoket Estate, Sotik Town Bomet
128. Southern Star Sac- co Society Ltd Mt. Building, Embu-Meru Road, Chuka Town Thara- ka-Nithi
129. Stake Kenya Sacco Society Ltd Stake Kenya SACCO Plaza, Kehancha-Ntimaru Rd. Kehancha Town Migori
130. Stawisha Sacco Society Ltd Mwalimu plaza, Kapsokwony

– Kaptama Road. Kapsokwony Town

Elgeyo Marak- wet
131. Stima DT Sacco Society Ltd Stima SACCO Plaza, Mushembi Road, Parklands, Nairobi Nairobi
132. Strategic-Urembo Sacco Society Ltd Lunga Lunga Square, Industrial Area Nairobi Nairobi
133. Suluhu Sacco Soci- ety Ltd Mwingi Mwalimu Plaza, Kyuso Road, Mwingi Town Kitui
134. Supa Sacco Society Ltd Supa Plaza, Posta Road Maralal Town Samburu
135. Tabasamu Sacco Society Ltd Tunawiri House, Kwale-Kinango Rd, Kwale Town Kwale
136. Tabasuri Sacco Society Ltd Texas Plaza, Fidel Odinga Road, Mombasa City Mom- basa
137. TAI Sacco Society Ltd Tai Plaza, Uplands/Limuru Road, Githunguri Town Kiambu
138. Taifa Sacco Society Ltd NCU Building, Gakere Road, Nyeri Town Centre Nyeri
139. Taqwa Sacco Soci- ety Ltd Jamia Plaza, 3rd floor Kigali Street, Nairobi Nairobi
140. Taraji Sacco Society Ltd Mwalimu Plaza, Oginga Odinga Street, Siaya Town Siaya
141. Telepost Sacco Society Ltd City Square Post Office, Haile Selassie Road, Nairobi Nairobi
142. Tembo Sacco Society Ltd Tembo SACCO Complex, Gar- den Estate Rd, Mukima Drive, Ruaraka Nairobi
143. Tenhos Sacco Soci- ety Ltd Tenhos Bldg. Kericho – Silibwet Rd, Tenwek, Bomet Bomet
144. Thamani Sacco Society Ltd Thamani Sacco Building, Chuka Town Thara- ka-Nithi
145. The Apple Sacco Society Ltd TASCCOS House, Kapsabet- Chavakali Road, Chepsonoi Trading Centre Nandi
146. The Noble Sacco Society Ltd The Noble SACCO Building, Eldoret Town Uasin Gishu
147. Times-U Sacco Society Ltd Along KCB Street, Nkubu Town Meru
148. Tower Sacco Society Ltd Tower SACCO FOSA Bldg, Nyahururu- Ol’kalou Road, Ol’Kalou Township Nyan- darua
149. Trans- Elite County Sacco Society Ltd Former Barclays Bank Building, Kapsabet Town, Nandi
150. Trans Nation Sacco Society Ltd Mwalimu Centre Building, DC Rd, Chuka Town Thara- ka-Nithi
151. Trans-Counties Sac- co Society Ltd Trans- Counties Sacco Office, Plot 45, Kapsara Centre Trans Nzoia
152. Trans-National Times Sacco Society Ltd Teachers’ Plaza Building, KANU Street, Kitale Town Trans Nzoia
153. Ufanisi DT Sacco Society Ltd Development House, Moi Avenue, Nairobi City Centre Nairobi
154. Ukristo Na Ufanisi Wa Anglicana Sac- co Society Ltd ACK Emmanuel Church Riruta, Riruta Area, Nairobi Nairobi
155. Ukulima Saco Soci- ety Ltd Ukulima Co-operative House, Haile Selassie Avenue, Nairobi City Centre Nairobi
156. Unaitas Sacco Society Ltd Cardinal Otunga Plaza, Kaunda Street, Nairobi Nairobi
157. Uni-County Sacco Society Ltd Kenyatta Avenue, Vickers House, Nakuru Town Nakuru
158. Unison Sacco Society Ltd Unison Sacco Bldg. Nanyuki/ Nyeri Rd, Nanyuki Laikipia
159. United Nations Sac- co Society Ltd UN-Complex Bldg, Gigiri Area, Nairobi Nairobi
160. Universal Traders Sacco Society Ltd Traders House, Syokimau Road, Machakos Town. Machakos
161. Ushuru Sacco Society Ltd Ushuru SACCO Centre, Wood Avenue, Kilimani, Nairobi City Nairobi
162. Vihiga County Farmers Sacco Society Ltd Chavakali-Kapsabet Road Kakamega
163. Viktas Sacco Soci- ety Ltd Glanin Bldg. Nyeri/ Nyahururu Road, Mairo – Inya Trading Centre Nyandarua
164. Vision Africa Sacco Society Ltd Kenyatta Avenue, Rajdeep Bldg. Nakuru Town Centre Nakuru
165. Vision Point Sacco Society Ltd Borabu Farmers Union Building, Keroka – Sotik Highway, Nyansiongo Town Nyamira
166. Wakenya Pamoja Sacco Society Ltd Kahawa House, Kisii-Keroka Road, Kisii Town Kisii
167. Wakulima Commercial Sacco Society Ltd MWD LTD Complex Mukurweini

–Nyeri Road, Mukurweini Town

Nyeri
168. Wanaanga Sacco Society Ltd Meteorological Hqs, Ngong Road, Nairobi City Nairobi
169. Wananchi Sacco Society Ltd Wananchi Sacco Building, Nyeri-Othaya-Kiriani Road Othaya Town Centre Nyeri
170. Wanandege Sacco Society Ltd Wanandege Plaza, Old North Airport Road, Embakasi, Nairobi Nairobi
171. Washa Sacco Society Ltd Ralli House, Nyerere Avenue, Mombasa Town Mombasa
172. Waumini Sacco Society Ltd Applewood Adams  Bldg, 2nd Floor, Ngong Rd, Adams Arcade, Nairobi Nairobi
173. Wevarsity Sacco Society Ltd M.M.U.S.T. School of Nursing, Kakamega-Webuye Road, Kakamega Town Kakamega
174. Winas Sacco Society Ltd Winas Sacco Building, Kenyatta Highway, Embu Town Embu

175.

Yetu Sacco Society Ltd SACCO Building, Nkubu-Mi- kumbune Road, Nkubu Town Centre Meru

Tips For Choosing A Good SACCO In Kenya

If you are looking to join a Savings and Credit Cooperative (SACCO) in Kenya, here are some tips to help you choose the best one for your financial needs:

  • Consider the location: It is convenient to choose a SACCO near your place of work or residence so that it is easy for you to access their services.
  • Check the membership requirements: Different S.A.C.C.O.S. have different membership requirements, such as your type of employment or profession. Make sure you meet the SACCO eligibility criteria you are interested in joining.
  • Look at the financial products and services: Different S.A.C.C.O.S. offer different products and services, such as loans, savings accounts, and insurance. Choose a SACCO that provides the products and services that meet your financial needs.
  • Compare interest rates and fees: S.A.C.C.O.S. charges different rates and fees for their financial products and services. It is essential to compare these rates and prices before choosing a SACCO to ensure you get the best deal.
  • Check the repayment terms: Make sure you are comfortable with the repayment terms of the loans offered by SACCO, including the interest rates and repayment periods.
  • Consider the stability and reputation of the SACCO: It is essential to choose a stable and reputable SACCO, as you will be entrusting them with your financial resources. Look at their track record and financial performance before making a decision.
  • Seek recommendations: Ask friends, family, and colleagues for advice on good S.A.C.C.O.S. with which they have had positive experiences. This can help you narrow your options and make a more informed decision.

Read Also: Top 10 Shares to Buy in Kenya: Expert Analysis and Market Insights

Conclusion

S.A.C.C.O.S. is an essential source of financial assistance for millions of people in Kenya, providing affordable and accessible financial services to small businesses, farmers, and individuals. The top 100 SACCOS in Kenya, as listed in this article, are some of the best in the country based on their performance, membership, and services offered. By considering the critical features of each SACCO, such as loan limits, interest rates, and repayment periods, you can make an informed decision about which is the best fit for your financial needs.

Joseph Richard Joseph Richard, a leading contributor to sledge.co.ke, uses his decade-long expertise in finance, business, and technology to offer clear, reliable guides and analyses. His work aids Kenyans in making informed financial and business decisions, earning him a reputation as a trusted industry authority.