Top 10 Best Saccos in Kenya to Invest In.

Everyone wants to find the best SACCOs in Kenya, but with the mushrooming of SACCOS in Kenya today, it is very easy to fall victim to scams masquerading as investment SACCOS.

SASRA is in charge of regulating savings and credit cooperative organizations (SACCO). The Sacco And Societies Regulatory Authority (SASRA) is a governmental organization in Kenya that is in charge of overseeing SACCO activities.

As a result, the first step in determining whether a SACCO is worth your investment is to see the list of SASRA registered SACCOs in Kenya.

But how do you go about selecting the Best Saccos in Kenya today? This article discusses a reasonable investment SACCO feature as well as a list of the top 10 SACCOs in Kenya.

Best Saccos in Kenya to Invest In

1. Unaitas Sacco

Best Saccos in Kenya

Unaitas SACCO was founded in 1993 as Muramati, cooperative society in Murang’ a County. It has spread throughout the country over the years. Unaitas SACCO is now a deposit-taking SACCO.

Unaitas SACCO is well-known for business investments and is well-liked by small-scale investors. This SACCO makes loans to members of up to three times their savings. Loan terms can be extended to 72 months with repayment interests ranging from 1% to 1.5% per month with a decreasing balance.

2. Kenya Police Sacco

The Kenya Police SACCO, founded in 1972 to serve those who worked in the Kenya Police Force, is another best Sacco in Kenya 2021. The SACCO is currently open to all Kenyans and has over 52,000 members.

Members are offered loans that are three times their investment. The Kenya Police SACCO has a slightly higher loan interest rate, and loans take 48 months to complete. However, this SACCO is well-known for providing excellent investor services.

The Kenya Police SACCO headquarters are in Nairobi’s Ngara neighborhood.

3. Stima SACCO

Stima SACCO is well-known for its real estate investments. The SACCO was founded in 1974 and has grown tremendously since then. The SACCO currently has five branches across the country.

This SACCO provides loans up to twice the amount of the member’s savings. With a decreasing balance, the loan’s interest rate can be as low as 1% per month. Loan terms can be extended for up to 60 months.

Nairobi, Mombasa, Kisumu, Eldoret, and Olkaria have Stima SACCO branches. It is regarded as one of Kenya’s top-performing SACCOs.

4. K-Unity SACCO

This SACCO is primarily concentrated in the Nairobi and Kiambu regions. It was registered in 1974. SACCO membership is open to all, subject to vetting.

Before being registered, new members are subjected to the membership policy. SACCO is well-known for fostering small business growth.

K-Unity SACCO offers loans of up to four times the member’s savings at 1% per month on a reducing balance.

Read also List of All Registered Saccos in Kenya, Contacts, and Location

5. Waumini SACCO

The Catholic Church established Waumini as a SACCO for congregation members. The SACCO makes loans of up to three times the amount of the member’s savings. The loan is repaid over five years at a 12.5% annual interest rate.

This SACCO is best suited for short-term projects rather than long-term ones such as home construction.

6. Maisha Bora SACCO


The SACCO was established in 1974 by a group of Unilever employees. Currently, the SACCO welcomes all interested parties to join.

The SACCO makes loans up to three times the amount of the member’s investment. The loans have a monthly interest rate of 1% on the reducing balance. This SACCO’s loan terms are limited to six years.

7. Hazina SACCO

Employees of county governments, the federal government, international organizations, and the private sector are the primary target market for this SACCO.

The SACCO was established in 1971 and has since developed into a deposit-taking SACCO society with more than 15,000 members.

Loans from the SACCO can be up to 3.5 times a member’s savings. On a reducing balance, interest is assessed at a rate of 1% each month. Up to 72 months can be added to the loan term.

8. Wanandege SACCO

In 1977, this SACCO was established for Kenya’s airline and aviation personnel. There are two Sacco locations: one in Nairobi and one in Mombasa.

All members of the aviation sector as well as those from unrelated businesses are welcome to join the SACCO.

The maximum loan amount available to SACCO members is three times their savings. Interest is charged at a rate of 1% per month with a reducing balance for a maximum loan term of four years.

Read also List of Commercial Banks Operating in Kenya.

9. Harambee SACCO

In 1970, low-income individuals and support staff at the president’s office founded the Harambee SACCO. The SACCO now has over 80,000 members and a base asset value of over Ksh. 19 billion.

Everyone is welcome to join the SACCO. Members of the SACCO have access to loans up to three times their savings for a time period not to exceed four years, but they must first qualify under the membership policy in order to be recognized as a member.

10. Imarika SACCO

The Teacher Service Commission in Kilifi employees founded the Imarika SACCO in 1974. Imarika SACCO had only 100 members when it registered. The SACCO has expanded over time and now has more than 37,000 members.

Imarika SACCO members have access to loans up to twice their savings at a monthly interest rate of 12.5%. Imarika SACCO loans can be repaid over a five-year period.

Different SACCOs operate in various ways. As a result, you ought to search for one whose terms are in line with your investment goals. One of the best ways to protect your money for future use is by investing in reputable SACCOs.

Features of Best SACCOs in Kenya

The following describes Kenyan investment SACCO characteristics.

  • Your confidence when investing in a SACCO in Kenya will increase with a successful investment.
  • You can get the necessary information to make wise investments from good investment SACCOs in Kenya.
  • A good SACCO will protect your stakeholder interests and give you opportunities to increase your wealth with little risk.

SACCOs that don’t prioritize shareholder interests over all else are doomed to failure. It is not a good idea to invest in these SACCOs because if they fail, investors will lose their money.

All Saccos in Kenya are governed and regulated by the Kenya Sacco Societies Regulatory Authority (SASRA).