Independent · Sourced · Never pay-to-rank
Make smarter financial decisions in Kenya
Compare SACCOs, understand your options, and find institutions that match your goals — with every figure sourced and dated.
Research, not recommendations
We organise public, verifiable information so you can judge for yourself. Three steps, no sales pitch.
We gather the record
SASRA registers, audited accounts, AGM notices and official publications — collected into structured profiles.
We show our sources
Every rate and figure carries its source, the date we checked it, and an honest verification label.
You compare and decide
Side-by-side comparisons and plain-language guides. The decision — and the due diligence — stays yours.
Kenya’s largest SACCOs, side by side
Sorted by the data — placement here cannot be bought.
| SACCO | Membership bond | Dividend rate | Interest on deposits | Min. monthly saving | Status |
|---|---|---|---|---|---|
| Stima SACCO Nairobi | open | 15% (sample) | 11% (sample) | KSh 1,000 (individuals) | Unverified |
| Mwalimu National Nairobi | sector | 12% (sample) | 10% (sample) | KSh 1,000 (sample) | Unverified |
| Kenya Police SACCO Nairobi | sector | 17% (sample) | 10.5% (sample) | KSh 2,000 (sample) | Unverified |
| Harambee SACCO Nairobi | sector | 10% (sample) | 8% (sample) | KSh 1,000 (sample) | Unverified |
| Qona SACCO Nairobi | open | 13% (sample) | 9.5% (sample) | KSh 1,000 (sample) | Unverified |
Figures are shown with their verification status. Always confirm current rates with the SACCO before joining. How we verify data →
Build your own comparison →Questions Kenyans are asking
Plain-language answers, no jargon, no agenda.
How do I verify a SACCO is licensed?
Check the SASRA register of deposit-taking SACCOs, confirm the exact registered name, and ask for the licence at any branch. We link the register on every profile.
SACCO vs bank — which is better for saving?
SACCOs typically pay higher returns on deposits and offer cheaper loans against your savings, but they are member-owned with different protections. The right answer depends on your goals.
What should I check before joining any SACCO?
Licensing status, audited accounts, dividend history over several years (not one), loan terms in writing, exit/withdrawal rules, and how guarantorship works.
Can I join a Kenyan SACCO from the diaspora?
Many open-bond SACCOs onboard diaspora members with an ID/passport and remote KYC. Confirm remittance channels and whether loans require local guarantors.
Our independence, in writing
Rankings are never for sale
Institutions can pay to be seen — clearly labelled — but no payment ever changes a rate, a ranking or a comparison result. This rule is published and permanent.
Facts, not verdicts
We publish verifiable public information and the questions you should ask. We don’t declare institutions “safe” or “unsafe” — we give you the record.
Right of reply
Every institution can respond to anything on its profile, and we publish that response. Fairness is part of accuracy.
For institutions
Your future members are already researching you here
SACCOs and financial institutions can claim their profile, keep product information current, and reach high-intent savers through clearly labelled featured placements — with our independence policy protecting the trust that makes those members valuable.
- · Claim & verify your profile (free)
- · Featured directory placement — always labelled “Sponsored”
- · Member acquisition & enquiry routing
- · Financial education partnerships
What sponsorship never buys
A higher ranking. A better score. A softened fact. Removal of public-record information. Our comparison results are computed from data alone — that policy is public, linked from every sponsored element, and it is the reason a placement here is worth buying.
Talk to us about partnering