Looking to grow your money and empower your financial future? Savings and credit cooperatives, or SACCOs, offer a compelling option. But with so many choices, how do you ensure you’re depositing your hard-earned cash with a safe and secure institution? This guide focuses on Licensed Deposit-Taking SACCOs (DT-SACCOs) in Kenya for 2024, empowering you to make informed decisions for your financial well-being
What are Deposit-Taking SACCOs?
SACCOs as member-owned financial institutions that pool savings and offer access to loans. Deposit-taking SACCOs (DT-SACCOs) are specifically authorized to hold your deposits and offer you interest in return. This is different from non-deposit taking SACCOs (NDT-SACCOs) that primarily focus on member contributions and loan products.
List of Licensed Deposit Taking SACCOs
The Sacco Societies Regulatory Authority (SASRA) acts as the official watchdog, ensuring the smooth operation and financial health of SACCOs in Kenya. To guarantee you’re depositing with a licensed institution, access the most up-to-date list of DT-SACCOs as from 2024
| Sacco Name | Physical Location | |
| 1 | 2NK Sacco Society Ltd | Kangaru Building, Gakere Road |
| 2 | Acumen Sacco Society Limited | Great Wide Mall, Magadi Road, Nairobi |
| 3 | Afya Sacco Society Ltd | Afya Centre, Tom Mboya Street, Nairobi |
| 4 | Agrochem Sacco Society Ltd | Muhoroni Town |
| 5 | Ainabkoi Sacco | Ainabkoi Farmers’ Cooperative Society Land Eldoret, Naiberi, Timboroa Road |
| 6 | Airports Sacco Society Ltd | Kenya Airports Authority Head Quarters Building |
| 7 | Amica Sacco Society Ltd | Mugama Union Building – Uhuru Road, Murang’a |
| 8 | Ammar Sacco Society Ltd | Elica Plaza, Kwame Nkrumah Road, Thika Town |
| 9 | Ardhi Sacco Society Ltd | Survey Kenya Field Headquarters, Off Thika Road |
| 10 | Asili Sacco Society Ltd | Asili Co – op Centre, The Lower Ngara Road, Nairobi |
| 11 | Azima Sacco Society Ltd | Azima Sacco Plaza, Wabera Street, Thika |
| 12 | Bandari Sacco Society Ltd | Moi Avenue, Mombasa |
| 13 | Baraka Sacco Society Ltd | Station Road, Off Kiaruhiu Street, Karatina |
| 14 | Baraton Sacco Society Ltd | University Of Eastern Africa, Baraton, Off Eldoret – Kapsabet Road, Chepterit Junction |
| 15 | Biashara Sacco Society Ltd | Biashara Sacco Building, Kimathi Way, Nyeri Town |
| 16 | Biashara Tosha Sacco Society Ltd | Gakundu F.C.S Building, Embu – Kianjokoma Road, Embu |
| 17 | Bi – High Sacco Society Ltd | Marsabit Teachers Plaza,Mosque Road,Marsabit |
| 18 | Bingwa Sacco Society Ltd | Bingwa Sacco Complex, Kutus – Karatina Road, Kerugoya Town |
| 19 | Boresha Sacco Society Ltd | Teachers Plaza – Market Road, Eldama Ravine Town |
| 20 | Capital Sacco Society Ltd | Maccu Building, Kenyatta Highway, Meru |
| 21 | Centenary Sacco Society Ltd | Intercity Building, Meru – Nanyuki Highway, Meru Town Centre |
| 22 | Chai Sacco Society Ltd | Chai House, Koinange Street, Nairobi |
| 23 | Chuka University Sacco Society Ltd | Chuka University, Students Recreation Centre, Chuka Town |
| 24 | Chuna Sacco Society Ltd | University Of Nairobi, Engineering Department Building – Harry Thuku Road |
| 25 | Cosmopolitan Sacco Society Ltd | Natec Plaza, Kijabe Row Street, Nakuru |
| 26 | County Sacco Society Ltd | County Sacco Building, Kanja Shauri Road, Kanja Town |
| 27 | Daima Sacco Society Ltd | Daima Sacco Building, Mutunduri – Kianjokoma Road, Manyatta Market Centre |
| 28 | Defence Sacco Society Ltd | Ulinzi House, Lenana Road, Hurlingham, Nairobi |
| 29 | Dhabiti Sacco Society Ltd | Dhabiti Sacco Building, Maua – Mikinduri Road, Maua Township |
| 30 | Dimkes DT Sacco Society Ltd | Bishop Magua House, Biashara Street, Kiambu Town |
| 31 | Dumisha Sacco Society Ltd | Dumisha Sacco Plaza – Harambee Road, Maralal |
| 32 | Eco – Pillar Sacco Society Ltd | MakutanoTeachersPlaza,LotodoStreet,Kapenguria Town |
| 33 | Edis Sacco Society Ltd | Ngocho Building, Opposite NCPD, Ngocho, Bomet |
| 34 | Egerton Sacco Society Ltd | Egerton Sacco Plaza, Egerton University, Njoro Township |
| 35 | Elimu Sacco Society Ltd | Mubiru Road, Nairobi |
| 36 | Enea Sacco Society Ltd | Kiangararu House, Karatina – Nairobi Highway, Karatina |
| 37 | Faridi Sacco Society Ltd | Faridi Housing Plaza, Busia – Kisumu Road |
| 38 | Fariji Sacco Society Ltd | Diplomat Building, Githunguri Street, Kiambu |
| 39 | Fortitude Sacco Society Ltd | Fortitude Sacco Building, Mbita Township |
| 40 | Fortune Sacco Society Ltd | Fortune Plaza, Main Street, Kerugoya |
| 41 | Fundilima Sacco Society Ltd | Fedha House in JKUAT, Juja Town |
| 42 | GDC Sacco Society Ltd | GDC Sacco Plaza, Market Street, Kiambu |
| 43 | Golden Pillar Sacco Society Ltd | Imenti Complex, Main Stage, Meru Town |
| 44 | Good faith Sacco Society Ltd | Nyambari Kiambu – Kiwa House, Uplands Githunguri Rd |
| 45 | Good Hope Sacco | Mwalimu Plaza, Narok – Kijabe Road, Narok |
| 46 | Goodway Sacco Society Ltd | Machere Plaza, Kerugoya Back Street, Kerugoya Town |
| 47 | Gusii Mwalimu Sacco Society Ltd | Mwalimu House, Kisii – Kericho Road, Kisii |
| 48 | Harambee Sacco Society Ltd | Harambee Sacco Plaza, Haile Selassie Avenue, Nairobi |
| 49 | Hazina Sacco Society Ltd | Hazina Sacco Place, Ngong Road, Nairobi |
| 50 | Home Business SaccoSociety Ltd | Tec Biz Centre, Koinange Road, Nyahururu Town |
| 51 | Ilkisonko Sacco Society | Musangairo FCS Building, Loitokitok Town |
| 52 | Imarika Sacco Society Ltd | Imarika Plaza, Kenyatta Road, Kilifi |
| 53 | Imarisha Sacco Society Ltd | Kipsigis Teachers Cooperative House, Kisumu – Nakuru Highway |
| 54 | Invest&Grow(IG)SaccoSociety Ltd | Invest & Grow Plaza, Khalisia Road 3, Kakamega |
| 55 | Jamii Sacco Society Ltd | Jamii Sacco Court, Mukenia Road, South B, Nairobi |
| 56 | Jamii Yetu Sacco Society Ltd | Amwathi MMH Sacco Plaza, Kanuni Road, Maua |
| 57 | Jitegemee Sacco | L.R No. 242, Msa/Block 134/XXVI, Kizingo House No.2, Kaunda Street, Mvita, Mombasa |
| 58 | Joinas Sacco Society Ltd | Kanja House, Limuru – Banana Road, Banana Town |
| 59 | Jogoo Sacco Society Ltd | Commodore Office Suites, Off Ngong/Ring Road Kindaruma Avenue, Nairobi |
| 60 | Jumuika Sacco Society Ltd | Chemelil Sugar Sports Complex |
| 61 | Kabiyet Sacco Society Ltd | Mosoriot – Kaiboi Road, Kabiyet Trading Centre |
| 62 | Kencream Sacco Society Ltd | Creamary House, Dakar Road, Nairobi |
| 63 | Kenpipe Sacco Society Ltd | Kenpipe Plaza, Sekoni Road, Nairobi |
| 64 | Kenversity Sacco Society Ltd | Kenversity Plaza, Kahawa Sukari Road, Nairobi |
| 65 | Kenya Achievas Sacco Society Ltd | Achievas Plaza, Kisii–KilgorisRoad,Nyamache Town, Kisii |
| 66 | Kenya Highlands Sacco Society | Temiik House, Kericho – Kisumu Highway |
| 67 | Kenya National Police DT Sacco Society Ltd | Kenya Police Sacco Plaza, Ngara Road, Nairobi |
| 68 | Keystone Sacco Society Ltd | Kenya Re – Insurance Plaza, Bank Street, Kisumu |
| 69 | Kimbilio Daima Sacco Society Ltd | Chepsol Plaza, Kimulot Road, Kapset |
| 70 | Kimisitu Sacco Society Ltd | AEA Plaza, Valley Road, Nairobi |
| 71 | Kingdom Sacco Society Ltd | Empower House, Githurai 45, Thika Road |
| 72 | Kitui Teachers Sacco Society Ltd | Teachers Plaza, Kitui Town |
| 73 | Kolenge Tea Sacco Society Ltd | Nandi Hills Plaza, Nandi Hills Town |
| 74 | Koru DT Sacco Society Ltd | Homalime Company Limited, Koru Town |
| 75 | K–Pillar Sacco Society Ltd | K – Pillar Building, Bomet – Litein Road, Mogogosiek |
| 76 | K–Unity Sacco Society Ltd | K – Unity Building, Kiambu Town |
| 77 | Kwetu Sacco Society Ltd | Mwalimu Centre, Syokimau Road, Machakos Town |
| 78 | Kwikas DT Sacco Society Ltd | Ndaragwa Umoja Building, Kimathi Road, Nyandarua |
| 79 | Lainisha Sacco Society Ltd | Lainisha Sacco Building, Mwea Town, Kirinyaga |
| 80 | Lamu Teachers Sacco Ltd | L.R No 784/1, Lamu Teachers Sacco Building, Galogalo Street, Lamu |
| 81 | Lengo Sacco Society Ltd | Standard Arcade – Mama Ngina Street, Malindi Town |
| 82 | Mafanikio Sacco Society Ltd | Mombasa Teachers Building, Jomo Kenyatta Avenue, Mombasa |
| 83 | Magadi Sacco Society Ltd | Pam View Building, Magadi Road, Magadi Soda, Kajiado |
| 84 | Magereza Sacco Society Ltd | Mageso Chambers, Moi Avenue, Nairobi |
| 85 | Maisha Bora Sacco Society Ltd | Commercial Street, Industrial Area, Nairobi |
| 86 | Mentor Sacco Society Ltd | Mentor Plaza, Uhuru Road, Muranga |
| 87 | Metropolitan National Sacco Society Ltd | Metropolitan National Sacco Society Ltd Building, Biashara Street, Kiambu Town |
| 88 | Mudete Sacco Society Ltd | Sacco Plaza, Khayega, Kakamega |
| 89 | Muki Sacco Sacco Society Ltd | Muki House, Ndunyu Njeru Road, Kinangop |
| 90 | Mwalimu National Sacco Society Ltd | Hill Lane, Nairobi City |
| 91 | Mwietheri Sacco Society Ltd | Rungeto F.C.S, Githure |
| 92 | Mwito Sacco Society Ltd | Mwito Building, Desai Road, Nairobi |
| 93 | Nacico Sacco Society Ltd | NACICO Plaza, Landhies Road, Nairobi |
| 94 | Nafasi Sacco Society Ltd | NCPB Nairobi Silos Complex, Off Outering Road, Nairobi |
| 95 | Nandi Farmers Sacco Society Ltd | Nandi Hills Plaza, Market Street, |
| 96 | Nation DT Sacco Society Ltd | Cambrian Building, Moi Avenue, Nairobi |
| 97 | Nawiri Sacco Society Ltd | EMCO House, Taifa Road, Embu |
| 98 | Ndege Chai Sacco Society Ltd | Ndege Chai House, Kericho – Nakuru Highway, Kericho |
| 99 | Ndosha Sacco Society Ltd | L.R No. Plot 1206, Ndosha Sacco Plaza, Chogoria. |
| 100 | New Fortis Sacco Society Ltd | New Fortis Sacco Plaza, Off Kenyatta Road, Nyeri Town |
| 101 | Nexus Sacco Society Ltd | Kathera House, Kamunara, Nkubu, Meru |
| 102 | Ng’arisha Sacco Society Ltd | Bungoma Teachers Plaza, Bungoma |
| 103 | Njiwa Sacco Sacco Ltd | Golf View Office Suites, Wambui Road, Nairobi |
| 104 | NRS Sacco Society Ltd | Ondiri Building, Kikuyu Road, Kikuyu |
| 105 | NSSF Sacco Society Ltd | Social Security House, Bishops Road, Nairobi |
| 106 | Nufaika Sacco Society Ltd | Machere Building, Machere Street, Kerugoya Town, Kirinyaga |
| 107 | Nyambene Arimi Sacco Society Ltd | Nyambene Arimi Sacco Plaza, Maua Kanuni Road, Meru Town |
| 108 | Nyati Sacco Society Ltd | Odyssey Plaza, Mukoma Road, Nairobi |
| 109 | Ollin Sacco Society Ltd | Ollin Sacco Building, Off Karatina – Kutus Road, Kerugoya |
| 110 | Orient Sacco Society Ltd | Wakibe Building, Thika Section 9 OAU Road, Thika Town |
| 111 | Patnas Sacco Society Ltd. | Litein Town, Patnas Plaza, Kericho Sotik Road |
| 112 | Ports DT Sacco Society Ltd | Mombasa Port Sacco Plaza, Mwakilingo Road |
| 113 | Prime – Time Sacco Society Ltd | Mwalimu Plaza Building, Eldoret – Kabarnet Road, Iten |
| 114 | Puan Sacco Society Ltd | Farmers Building, Narok – Nakuru Road, Narok Town |
| 115 | Qwetu Sacco Society Ltd | Qwetu Sacco Plaza, Voi Town |
| 116 | Safaricom Sacco Society Ltd | Safaricom Care Centre, Waiyaki Way, Westlands, Nairobi |
| 117 | Sheria Sacco Society Ltd | Matumbato Close, Nairobi |
| 118 | Shirika DT Sacco Society Ltd | Shirika Coop House, Ngara Kipande Road, Ngara, Nairobi |
| 119 | Shoppers Sacco Society Ltd | Nature House – Tom Mboya Street |
| 120 | Simba Chai Sacco Society Ltd | Kericho Nakuru Highway, Kericho |
| 121 | Siraji Sacco Society Ltd | Siraji Sacco Plaza, Nanyuki – Meru Highway, Timau Town |
| 122 | Skyline Sacco Society Ltd | Skyrise Plaza, Eldama Ravine – Eldoret Road, Eldama Ravine |
| 123 | Smart Champions Sacco Society | Muranene Building, Githongo Trading Centre, Meru |
| 124 | Smartlife Sacco Society Ltd | Marakwet Teachers Plaza, Kapsowar |
| 125 | Solution Sacco Society Ltd | Meru Mwalimu Plaza, Gakoromone Road, Meru |
| 126 | Sotico Sacco Society Ltd | Amotek Estate, Sotik Town |
| 127 | Southern Star Sacco Society Ltd | Mt Building, Chuka Town |
| 128 | Stake Kenya Sacco Society Ltd | Stake Kenya Sacco Plaza, Migori – Kehancha – Ntimaru Road, Kehancha |
| 129 | Stawisha Sacco Society Ltd | Mwalimu Plaza, Kapsokwony – Kaptama Road, Kapsokwony |
| 130 | Stima DT Sacco Society Ltd | Stima Sacco Plaza, Mushembi Road, Parklands, Nairobi |
| 131 | Strategic DT Sacco Society Ltd | Lunga Lunga Square, Industrial Area, Nairobi County |
| 132 | Suluhu Sacco Society Ltd | Suluhu Sacco Plaza, Kyuso Road, Mwingi |
| 133 | Supa Sacco Society Ltd | Supa Plaza, Posta Road, Maralal |
| 134 | Tabasamu Sacco Society Ltd | Tunawiri House, Kinango Road, Kwale |
| 135 | Tabasuri DT Sacco Society Ltd | Texas Plaza, Off Fidel Odinga Road, Mombasa |
| 136 | Tai Sacco Society Ltd | Tai Plaza, Githunguri Town, Kiambu |
| 137 | Taifa Sacco Society Ltd | NCU Building, Gakere Road, Nyeri Town |
| 138 | Taqwa Sacco Society Ltd | Jamia Plaza, Kigali Street, Nairobi |
| 139 | Taraji Sacco Society Ltd | Mwalimu Plaza, Oginga Odinga Street, Siaya |
| 140 | Telepost Sacco Society Ltd | City Square Post Office, Haile Selassie Avenue, Nairobi |
| 141 | Tembo Sacco Society Ltd | Tembo Sacco Complex, Garden Estate Road, Mukima Drive, Nairobi |
| 142 | Tenhos Sacco Society Ltd | Tenhos Building, Tenwek, Bomet |
| 143 | Thamani Sacco Society Ltd | Thamani House, Chuka Town |
| 144 | The Apple Sacco Society Ltd | Tasccos House, Kapsabet – Chavakali Road, Kapsabet |
| 145 | The Kenya Bankers Sacco Society Ltd. | The Kenya Bankers Sacco Centre, 3rd Ngong Ave., Nairobi |
| 146 | The Noble Sacco Society Ltd | The NobleSaccoBuilding,RonaldNgalaRoad,Eldoret Town |
| 147 | Times U Sacco Society Ltd | Nkubu, KCB Road, Nkubu |
| 148 | Tower Sacco Society Ltd | Tower Sacco Fosa Building, Ol’kalou Township |
| 149 | Topkrim DT Sacco Society Ltd | Kisumu – Kisii Road, Oyigis Town, Homabay |
| 150 | Trans Elite County Sacco Society Ltd | Former Barclays Bank Building, Kapsabet – Chavakali Road, Kapsabet Town |
| 151 | Trans Nation Sacco Society Ltd | Mwalimu Centre, Dc Road, Chuka Town |
| 152 | Trans–CountiesSaccoSociety Ltd | Kapsara, Trans – Counties Sacco Office, Kapsara |
| 153 | Trans – National Times Sacco Society Ltd | Kitale Teachers Plaza, Kanu Street, Kitale |
| 154 | Ufanisi DT Sacco Society Ltd | Development House, Moi Avenue, Nairobi |
| 155 | Ukristo Na Ufanisi Sacco Society Ltd | ACK Emmanuel Church Riruta, Nairobi |
| 156 | Ukulima Sacco Society Ltd | Ukulima Cooperative House, Haile Selassie Avenue, Nairobi |
| 157 | Unaitas Sacco Society Ltd | Cardinal Otunga Plaza, Nairobi |
| 158 | Uni – County Sacco Society Ltd | Nakuru Municipality Block, 9/37, Generation House, Kijabe Row, Nakuru |
| 159 | Unison Sacco Society Ltd | Unison Plaza, Nyeri– Nanyuki Road, Nanyuki Municipality |
| 160 | United Nations DT Sacco Society Ltd | United Nations Complex, United Nations Avenue, Nairobi |
| 161 | Universal Traders Sacco Society Ltd | Traders House, Syokimau Road, Machakos |
| 162 | Ushuru Sacco Society Ltd | Ushuru Sacco Centre, Wood Avenue, Kilimani |
| 163 | Vihiga County Farmers Sacco Society Ltd | Mudete Town, Vihiga County |
| 164 | Viktas Sacco Society Ltd | Glanin Centre, Nyahururu– Nyeri Road, Mairo Inya, Nyandarua |
| 165 | Vision Afrika Sacco Society Ltd | Rajdeep House – Kenyatta Avenue, Nakuru |
| 166 | Vision Point Sacco Society Ltd | Borabu Farmers Union Building, Keroka – Sotik Highway, Borabu |
| 167 | Wakenya Pamoja Sacco Society Ltd | Kahawa House, Kisii – Keroka Road, Kisii |
| 168 | Wakulima Commercial Sacco Society Ltd | MWD Limited Complex, Mukurweini – Nyeri Road, Mukurweini Town |
| 169 | Wanaanga Sacco Society Ltd | Kenya Meteorological Department,NgongR oad,Dagoretti |
| 170 | Wananchi Sacco Society Ltd | Wananchi Building, Othaya |
| 171 | Wanandege Sacco Society Ltd | Wanandege Plaza, Old North Airport Road, Nairobi |
| 172 | Washa Sacco Society Ltd | Ralili House, Nyerere Avenue, Mombasa |
| 173 | Waumini Sacco Society Ltd | Applewood Adams 2nd Floor, Ngong Road, Nairobi |
| 174 | Wevarsity Sacco Sociey Ltd | Wevarsity Plaza, Kakamega – Webuye Road, Kakamega |
| 175 | Winas Sacco Society Ltd | Winas House, Embu Township |
| 176 | Yetu Sacco Society Ltd | Yetu Sacco Building, Nkubu Town, Meru |
Licensed Non-Deposit Taking SACCOs in Kenya (2024)
Key Considerations When Choosing a DT-SACCO
While a valid license is crucial, other factors play a role in selecting the perfect DT-SACCO for you. Here are some aspects to consider:
- Convenience: Does the DT-SACCO have a branch network near your home or workplace for easy access?
- Interest Rates: Compare the interest rates offered on deposits across different DT-SACCOs. Remember, a higher interest rate translates to more growth on your hard-earned savings!
- Loan Products: Do they offer loan options that align with your future financial goals? Explore loan terms, eligibility criteria, and interest rates.
- Minimum Deposits: Determine the minimum deposit required to open a savings account with your chosen DT-SACCO.
- Digital Solutions: Does the DT-SACCO offer online banking or a mobile app for convenient account management?
- Reputation and Reviews:Â Researching online reviews from existing members can offer valuable insights into the DT-SACCO’s customer service and overall experience.
Frequently Asked Questions (FAQs):
Q: Are my deposits with a Deposit-Taking SACCO insured?
While not all DT-SACCOs participate in deposit insurance schemes, it’s always a good practice to inquire about such safeguards.
Q: What safety measures do Deposit-Taking SACCOs have in place?
Licensed DT-SACCOs are subject to regulations and oversight by SASRA, promoting financial stability and responsible management of member deposits.