The best Saccos in Kenya for savings and investment in 2023

RG Sacco Ltd.

Here are some of the best Saccos in Kenya, the best managed savings saccos to invest in 2023, spread across the country in all the 47 counties. They offer cheap loans as well as savings accounts, current accounts and fixed accounts. A few offer instant Mobile Loans which are disbursed through Mpesa.

Sacco Loan Application Form via Mpesa Mobile. Quick, Instant Emergency Loans.

How best Saccos in Kenya Operate:

  1. Membership: SACCOs are formed by individuals who share a common bond, such as employees of the same organization, residents of a specific community, or members of a particular association. Membership is voluntary, and individuals must meet specific eligibility criteria to join.
  2. Cooperative Structure: SACCOs operate on a cooperative model, which means they are owned and governed by their members. Each member has an equal say in the decision-making processes, typically through a democratic system of voting during general meetings. Members elect a board of directors and other officials to oversee the SACCO’s operations.
  3. Savings: One of the primary functions of a SACCO is to encourage regular savings among its members. Members deposit their savings into individual accounts, which earn interest over time. These savings help to build the financial strength of the SACCO and provide a source of funds for lending to members.
  4. Credit Services: best Saccos in Kenya offer various credit services to their members, including loans for personal and business purposes. The loan products and terms vary depending on the specific SACCO, but they generally aim to meet the financial needs of the members. Interest rates on SACCO loans are typically lower compared to commercial banks.
  5. Financial Intermediation: best Saccos in Kenya act as financial intermediaries, channeling funds from savers to borrowers within the cooperative. The savings of members are used to fund loans for other members, creating a cycle of financial support and community development.
  6. Financial Education and Support: best Saccos in Kenya often provide financial education and training programs to help their members improve their financial literacy and management skills. This includes topics like budgeting, saving, investment, and debt management.
The best Saccos in Kenya for savings and investment in 2023

List of all best Saccos in Kenya for savings and investment:

  1. Stima Sacco.
  2. Mhasibu Sacco.
  3. Waumini Sacco.
  4. Kimisitu Sacco.
  5. Safaricom Sacco.
  6. Gusii Mwalimu Sacco.
  7. Rise and Grow Sacco Ltd.
  8. Sheria Sacco.
  9. Police Sacco
  10. FinnlemmSacco
  11. Kenya Bankers Sacco
  12. Harambee Sacco
  13. 2NK Sacco Society Ltd
  14. Acumen Sacco Society Ltd
  15. Afya Sacco Society Ltd
  16. Agro-Chem Sacco Society Ltd
  17. Airports Sacco Society Ltd
  18. Ainabkoi Sacco Society Ltd
  19. Amica Sacco Society Ltd
  20. Ammar Sacco Society Ltd
  21. Ardhi Sacco Society Ltd
  22. Asili Sacco Society Ltd
  23. Azima Sacco Society Ltd
  24. Bandari Sacco Society Ltd
  25. Baraka Sacco Society Ltd
  26. Baraton University Sacco Society Ltd
  27. Biashara Sacco Society Ltd
  28. Biashara Tosha Sacco Society Ltd
  29. Bi-High Sacco Society Ltd
  30. Bingwa Sacco Society Ltd
  31. Boresha Sacco Society Ltd
  32. Capital Sacco Society Ltd
  33. Centenary Sacco Society Ltd
  34. Chai Sacco Society Ltd
  35. Chuna Sacco Society Ltd
  36. Comoco Sacco Society Ltd
  37. Cosmopolitan Sacco Society Ltd
  38. County Sacco Society Ltd
  39. Daima Sacco Society Ltd
  40. Dhabiti Sacco Society Ltd
  41. Dimkes Sacco Society Ltd
  42. Dumisha Sacco Society Ltd
  43. Eco-Pillar Sacco Society Ltd
  44. Egerton Sacco Society Ltd
  45. Elimu Sacco Society Ltd
  46. Enea Sacco Society Ltd
  47. Faridi Sacco Society Ltd
  48. Fariji Sacco Society Ltd Get Fariji Sacco App.
  49. Fortitude Sacco Society Ltd
  50. Fortune Sacco Society Ltd
  51. Fundilima Sacco Society Ltd
  52. GDC Sacco Society Ltd
  53. Golden Pillar Sacco Society Ltd
  54. Good Faith Sacco Society Ltd
  55. Goodhope Sacco Society Ltd
  56. Goodway Sacco Society Ltd
  57. Gusii Mwalimu Sacco Society Ltd
  58. Hazina Sacco Society Ltd
  59. Ilkisonko Sacco Society Ltd
  60. Imarika Sacco Society Ltd
  61. Imarisha Sacco Society Ltd
  62. Invest and Grow (IG) Sacco Society Ltd
  63. Jacaranda Sacco Society Ltd
  64. Jamii Sacco Society Ltd
  65. Jitegemee Sacco Society Ltd
  66. Joinas Sacco Society Ltd
  67. Jumuika Sacco Society Ltd
  68. Kencream Sacco Society Ltd
  69. Kenpipe Sacco Society Ltd
  70. Kenversity Sacco Society Ltd
  71. Kenya Achievas Sacco Society Ltd, Achievers Sacco Ltd.
  72. Kenya Highlands Sacco Society Ltd
  73. Kenya Midland Sacco Society Ltd
  74. Kimbilio Daima Sacco Society Ltd
  75. Kimisitu Sacco Society Ltd
  76. Kingdom Sacco Society Ltd
  77. Kipsigis Edis Sacco Society Ltd – The Kipsigis Edis Sacco Limited is located in Bomet, Kenya.
  78. Kite Sacco Society Ltd Keystone DT Sacco Ltd. formerly Kisumu Teachers (Kite) Sacco Ltd.
  79. Kitui Teachers Sacco Society Ltd
  80. Kolenge Tea Sacco Society Ltd – Nandi Hills Sacco
  81. Koru Sacco Society Ltd
  82. K-Pillar Sacco Society Ltd
  83. K-Unity Sacco Society Ltd
  84. Kwetu Sacco Society Ltd
  85. Lainisha Sacco Society Ltd
  86. Lamu Teachers Sacco Society Ltd
  87. Mafanikio Sacco Society Ltd
  88. Magadi Sacco Society Ltd
  89. Magereza Sacco Society Ltd
  90. Maisha Bora Sacco Society Ltd
  91. Mentor Sacco Society Ltd
  92. Metropolitan National Sacco Society Ltd
  93. Jamii Yetu Sacco Ltd. Formerly MMH Sacco Society Ltd
  94. Mombasa Port Sacco Society Ltd or Ports Sacco Ltd.
  95. Mudete Factory Tea Growers Sacco
  96. Muki Sacco Society Ltd – formed in 1990 by the Dairy Farmers of Kimwatu Farm
  97. Mwalimu National Sacco Society Ltd Mwalimu Go Mobile App.
  98. Mwietheri Sacco Society Ltd offers cheap loans.
  99. Muito Sacco Society Ltd – Muito is a deposit Taking sacco established in 1979.
  100. Nacico Sacco Society Ltd Established in 1975 by employees of the then Nairobi City Council which is now Nairobi County Goverment.
  101. Nafaka Sacco Society Ltd
  102. Nandi Farmers Sacco
  103. Nanyuki Equator Sacco Society Ltd
  104. Nation Sacco Society Ltd
  105. Nawiri Sacco Society Ltd
  106. Ndege Chai Sacco Society Ltd
  107. Ndosha Sacco Society Ltd
  108. New Forties Sacco Society Ltd
  109. Nexus Sacco Society Ltd
  110. Ng’arisha Sacco Society Ltd
  111. Noble Sacco Society Ltd
  112. NRS Sacco Society Ltd
  113. NSSF Sacco Society Ltd
  114. Nufaika Sacco Society Ltd
  115. Nyala Vision Sacco Society Ltd
  116. Nyambene Arimi Sacco Society Ltd
  117. Nyamira Tea Farmers Sacco Society Ltd
  118. Nyati Sacco Society Ltd
  119. Ollin Sacco Society Ltd
  120. Orient Sacco Society Ltd
  121. Patnas Sacco Society Ltd
  122. Prime Time Sacco
  123. PUAN Sacco Society Ltd
  124. Qwetu Sacco Society Ltd
  125. Rise and Grow Sacco Ltd.
  126. Rachuonyo Teachers Sacco Society Ltd
  127. Shirika Deposit Taking Sacco Society Ltd
  128. Shoppers Sacco Society Ltd
  129. Simba Chai Sacco Society Ltd
  130. Siraji Sacco Society Ltd
  131. Skyline Sacco Society Ltd
  132. Smart Champions Sacco Society Ltd
  133. Smart-Life Sacco Society Ltd
  134. Solution Sacco Society Ltd
  135. Sotico Sacco Society Ltd
  136. Southern Star Sacco Society Ltd
  137. Stake Kenya Sacco Society Ltd
  138. Stawisha Sacco Society Ltd
  139. Suluhu Sacco Society Ltd
  140. Supa Sacco Society Ltd
  141. Tabasamu Sacco Society Ltd
  142. Tabasuri Sacco Society Ltd
  143. TAI Sacco Society Ltd
  144. Taifa Sacco Society Ltd
  145. Taqwa Sacco Society Ltd
  146. Taraji Sacco Society Ltd
  147. Telepost Sacco Society Ltd
  148. Tembo Sacco Society Ltd
  149. Tenhos Sacco Society Ltd
  150. Thamani Sacco Society Ltd
  151. The Apple Sacco Society Ltd
  152. Times-U Sacco Society Ltd
  153. Tower Sacco Society Ltd
  154. Trans- Elite County Sacco Society Ltd
  155. Trans Nation Sacco Society Ltd
  156. Trans-Counties Sacco Society Ltd
  157. Trans-National Times Sacco Society Ltd
  158. Uchongaji Sacco Society Ltd
  159. Ufanisi Sacco Society Ltd
  160. Ukristo Na Ufanisi Wa Anglicana Sacco
  161. Ukulima Saco Society Ltd
  162. Unaitas Sacco Society Ltd
  163. Uni-County Sacco Society Ltd
  164. Unison Sacco Society Ltd
  165. United Nations Sacco Society Ltd
  166. Universal Traders Sacco Society Ltd
  167. Ushuru Sacco Society Ltd
  168. Vihiga County Farmers Sacco Society Ltd
  169. Viktas Sacco Society Ltd
  170. Vision Africa Sacco Society Ltd
  171. Vision Point Sacco Society Ltd
  172. Wakenya Pamoja Sacco Society Ltd
  173. Wakulima Commercial Sacco Society Ltd
  174. Wana-anga Sacco Society Ltd
  175. Wananchi Sacco Society Ltd
  176. Wanandege Sacco Society Ltd
  177. Washa Sacco Society Ltd
  178. Wevarsity Sacco Society Ltd
  179. Winas Sacco Society Ltd
  180. Yetu Sacco Society Ltd
The best Saccos in Kenya for savings and investment in 2023
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WHAT IS A SACCO?

A SACCO (Savings and Credit Cooperative Organization) is a member-owned financial cooperative that provides savings and credit services to its members. SACCOs operate on the principle of pooling members’ savings to create a fund from which loans and other financial services are offered.

The Kipsigis Edis Sacco Limited

Kipsigis Edis Sacco Limited is located in Bomet, Kenya.
The Kipsigis Edis Sacco Limited is located in Bomet, Kenya, Kericho County.

Kimbilio Daima Sacco Ltd.

Kimbilio Daima sacco

Kimbilio Daima is a savings and credit co-operative society (Formerly Chepsol Sacco ltd) situated in Kimulot Ward of Bomet County. 

Patnas Sacco Society Ltd.

Patnas sacco society headoffice in sotik, kericho county

Patnas sacco society limited has its head office in Litein, along Sotik-kericho highway. It has branches in Sotik, Roret, Cheborgei and Chebirbelek.