Discover the Top 10 Best Performing SACCOs in Kenya (2025 Edition) and How They’re Transforming Member Finances
Are you looking for the best SACCOs in Kenya to grow your savings or get affordable loans in 2025? You’re not alone. The top 10 best performing SACCOs in Kenya (2025 edition) are not only financially stable but also offer attractive dividends, innovative services, and growing membership. Whether you’re a salaried employee or an entrepreneur, joining the right SACCO can dramatically change your financial journey.
Top 10 Best Performing SACCOs in Kenya (2025)
1. Stima SACCO
- Founded: 1974
- Assets: Ksh 60 Billion+
- Why it’s top: Offers high dividends (15% on shares in 2024), digital banking tools, and caters to both salaried and self-employed members.
- Example: Members report fast loan approvals and flexible repayment schedules.
2. Mwalimu National SACCO
- Assets: Over Ksh 55 Billion
- Key Benefit: Designed primarily for teachers; offers competitive interest rates on loans and deposits.
- Highlight: Extensive branch network and recently upgraded mobile app.
3. Kenya Police SACCO
- Founded: 1972
- Assets: Approx. Ksh 50 Billion
- Unique Offerings: Tailored loan products for disciplined forces, quick salary processing services.
- Update: Recorded a 12% dividend payout in 2024.
4. Harambee SACCO
- Target Group: Government employees
- Strengths: Consistent dividends, loan top-ups, and emergency financing.
- Notable Feature: New digital platform for mobile loan applications launched in 2025.
5. Safaricom SACCO
- Assets: Over Ksh 10 Billion
- Target: Safaricom employees and affiliated businesses
- Why It Shines: Offers some of the highest member returns (18% dividends in 2024)
- Tech Integration: Seamless mobile platform for contributions, withdrawals, and statements.
6. Ukulima SACCO
- Membership: Open to public servants and agriculture-related workers
- Dividends: Steady 10–12% over the past 5 years
- Recent Growth: Over 200,000 active members by early 2025
7. Afya SACCO
- Focus: Health sector employees
- 2024 Return: 14% dividends on shares, 9% interest on deposits
- Top Features: Welfare funds, medical loans, and education savings schemes
8. Hazina SACCO
- Backed by: Ministry of Finance
- Why it ranks: Fast loan processing and stable returns
- New Offering: “Hazina Premier Loan” launched in 2025 with reduced interest rates
9. Imarika SACCO
- Base: Coastal Kenya
- Success Factors: Excellent member service, steady growth, and solid asset base
- Unique Services: Shariah-compliant financing options for Muslim members
10. Sheria SACCO
- Target Group: Judiciary and legal professionals
- Benefits: Competitive returns, personalized member support
- Performance: Maintained a 13% dividend payout for 3 consecutive years
What Makes a SACCO “Best Performing”?
To determine the top 10 best performing SACCOs in Kenya (2025 edition), we considered:
- Return on shares and deposits
- Asset growth and stability
- Loan accessibility and interest rates
- Member services and digital adoption
- Transparency and governance
FAQs
1. What is the most profitable SACCO in Kenya in 2025?
Stima SACCO remains the most profitable based on dividends, total assets, and member satisfaction.
2. How do I join a SACCO in Kenya?
Visit the SACCO’s official website or nearest branch, provide identification, and complete a membership application. Some require a minimum contribution or employer affiliation.
3. Are SACCOs in Kenya safe?
Yes. SACCOs are regulated by the SACCO Societies Regulatory Authority (SASRA) and must meet financial and legal standards to operate.
4. Can non-civil servants join top SACCOs like Harambee or Mwalimu?
Some SACCOs are restrictive, but many now accept members outside the original professional scope under associate membership schemes.
5. Which SACCO pays the highest dividends?
In 2024, Safaricom SACCO led with an 18% dividend on shares.
Conclusion
Choosing the right SACCO is a smart step toward financial freedom. The top 10 best performing SACCOs in Kenya (2025 edition) continue to offer unbeatable member returns, technological convenience, and financial security. Whether you’re looking to save, borrow, or invest, these SACCOs are worth considering.
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