Based on the latest data from the Sacco Societies Regulatory Authority (SASRA) as of January 2026, there are approximately 178 licensed Deposit-Taking (DT) Saccos and 177 authorized Non-Withdrawable Deposit-Taking (NWDT) Saccos operating in Kenya.
Below is a categorized list of prominent Saccos in Kenya, including the “Big Three” and notable professional and sector-specific institutions.
- Top Tier Deposit-Taking (DT) Saccos
These are the largest Saccos in the country, ranked by total assets and member deposits. The industry crossed the KSh 1 trillion asset milestone in 2024.
- Mwalimu National DT Sacco (Largest by assets, primarily for teachers)
- Stima DT Sacco (Energy sector and public)
- Kenya National Police DT Sacco (Law enforcement and public)
- Harambee DT Sacco (Public service and government)
- Tower DT Sacco (Nyandarua-based, national reach)
- Unaitas Sacco (National reach, SME focus)
- Afya Sacco (Health sector workers)
- Imarisha Sacco (Kericho-based, national reach)
- United Nations Sacco (International/UN staff)
- Hazina Sacco (Public service workers)
- Gusii Mwalimu Sacco (Kisii/Nyamira teachers)
- Mentor Sacco (Murang’a-based)
- Invest & Grow (IG) Sacco (Kakamega-based)
- Winas Sacco (Embu-based)
- Imarika Sacco (Coast region)
- Non-Withdrawable Deposit-Taking (NWDT) Saccos
These Saccos operate on a “BOSA-only” (Back Office Service Activity) model, where deposits are used primarily as loan collateral.
- Mhasibu Sacco (Accountants and finance professionals)
- Law Society of Kenya (LSK) Sacco (Legal professionals)
- Kenya Medical Association (KMA) Sacco (Medical doctors and health staff)
- HELB Sacco (Higher Education Loans Board staff)
- Java Sacco (Java House and hospitality staff)
- KASNEB Sacco (KASNEB staff and associates)
- KEMRI Sacco (Research community)
- Kentours Sacco (Tourism and hospitality industry)
- Kenya Rural Roads Sacco (Road sector staff)
- Faulu Bank Sacco (Microfinance sector)
- Postbank Sacco (Banking sector)
- Ketepa Sacco (Tea industry)
- Notable Regional & Sector-Specific Saccos
- 2NK Sacco (Transport sector, Nyeri/Central Kenya)
- Skyline Sacco (Baringo-based)
- Boresha Sacco (Baringo/Rift Valley)
- Bingwa Sacco (Kirinyaga-based)
- Safaricom Sacco (Telecom professionals and tech)
- NSSF Sacco (Social security sector)
- Ammar Sacco (Faith-based/Islamic finance compliant products)
- Nation DT Sacco (Media industry)
- Nawiri Sacco (Embu-based)
- Kingdom Sacco (Faith-based)
- Trans-Nation Sacco (Tharaka Nithi-based)
Key Highlights for 2026:
- Regulation: All Saccos listed above are regulated by SASRA. It is a legal requirement for Saccos to display their original license or authorization certificates at their head offices.
- Dividends: In early 2026, leading Saccos such as Tower, Ollin, and Mwalimu National are expected to maintain strong dividend and interest payouts, often ranging between 10% and 20% on share capital.
- Consolidation: The government has recently encouraged smaller Saccos (those with deposits below KSh 100 million) to merge with larger entities to improve financial stability and oversight.
