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 Non-Deposit Taking SACCOs (NDT-SACCOs) in Kenya for 2024, empowering you to make informed decisions for your financial well-being
What are Non-Deposit Taking SACCOs?
Unlike their deposit-taking counterparts, NDT-SACCOs don’t hold member deposits or offer interest on savings. Instead, they operate based on member contributions, which are pooled to provide access to affordable loans and financial services. Think of them as a financial support system built on shared goals and collective resources
List of Licensed Non-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 NDT-SACCOs as from 2024
| Sacco Name | Physical Location | |
| 1 | 3N Regulated Non-WDT-Sacco | Sera Center, Naivasha |
| 2 | ABC Empowerment Regulated Non-WDT-Sacco | ABC Imani Plaza II, Machakos |
| 3 | Accel Regulated Non-WDT-Sacco | Ola Energy Plaza, Muthaiga, Nairobi |
| 4 | ACK Kihara Regulated Non-WDT-Sacco | Kiambaa/Kihara/ 7/178, Gachie |
| 5 | ACK Thika Talents Regulated Non-WDT-Sacco | ACK St. Andrews Cathedral, Thika |
| 6 | Adventist Regulated Non-WDT-Sacco | SDA Central Kenya Conference, Red Hill Road, Nairobi |
| 7 | AIBK Regulated Non-WDT-Sacco | Development House, Moi Avenue |
| 8 | Airlink Regulated Non-WDT-Sacco | Jomo Kenyatta International Airport (JKIA), Nairobi |
| 9 | Alarms Regulated Non-WDT-Sacco | Behind Housing Finance, Moi Avenue, Mvita |
| 10 | AMREF Regulated Non-WDT-Sacco | AMREF Building, Nairobi |
| 11 | Appollosure Regulated Non-WDT-Sacco | Apollo Centre, Ring Rd Parklands |
| 12 | B-Smart Regulated Non-WDT-Sacco | RNG Plaza, Nairobi CBD |
| 13 | Ballot Regulated Non-WDT-Sacco | Anniversary Towers 21stFloor, Nairobi |
| 14 | Balozi Regulated Non-WDT-Sacco | Golf View Suites Muthaiga Off Wambui Road, Nairobi |
| 15 | Bamburi Regulated Non-WDT-Sacco | Bamburi Cement Plc Staff Quarters, Mombasa |
| 16 | Bands Regulated Non-WDT-Sacco | Britam Centre, Upper Hill |
| 17 | Banki Kuu Regulated Non-WDT-Sacco | Central Bank Of Kenya Headquarters, Nairobi CBD |
| 18 | Barabara Regulated Non-WDT-Sacco | Barabara Plaza, Mombasa Road, Nairobi |
| 19 | Baraka Yetu Regulated Non-WDT-Sacco | Nacico Plaza, Ladhies Road, Nairobi |
| 20 | BAT Regulated Non-WDT-Sacco | BAT Premises, Industrial Area |
| 21 | Besco Regulated Non-WDT-Sacco | Bidco Factory Premises, Thika |
| 22 | Bestrock Regulated Non-WDT-Sacco | Winlo Complex Building, Kitui Town |
| 23 | Biblia Regulated Non-WDT-Sacco | Kamirembe Place, Ring Road Kilimani, Nairobi |
| 24 | Blue Eagle Regulated Non-WDT-Sacco | Bishop Gate, Upper Hill |
| 25 | Braemeg Regulated Non-WDT-Sacco | Polla House, Gitanga Road,Kawangware |
| 26 | Brookside Regulated Non-WDT-Sacco | Brookside Dairy LTD, Thika Road, Ruiru |
| 27 | Bunge Regulated Non-WDT-Sacco | Imani House, Parliament Road, Nairobi |
| 28 | Bunista Regulated Non-WDT-Sacco | Jaramogi Oginga Odinga University Of Science And Technology, Bondo Town |
| 29 | CDF Regulated Non-WDT-Sacco | La Coline Gardens, Masaba Road, Upper Hill |
| 30 | Christian Enterpreneurs Regulated Non-WDT- Sacco | Mapa House, Ruiru |
| 31 | CIC Regulated Non-WDT-Sacco | CIC Plaza 1, 2nd Floor Upper Hill |
| 32 | COCOTECH Regulated Non-WDT-Sacco | Fameco Building, Magadi Road, Langata |
| 33 | Communication Regulated Non-WDT-Sacco | Communication Authority Centre, Westlands |
| 34 | Concorde Regulated Non-WDT-Sacco | Centenary House, Westlands |
| 35 | Co-operative Bank Regulated Non-WDT-Sacco | Co-Op Bank House, Nairobi CBD |
| 36 | Cotts Regulated Non-WDT-Sacco | Mitchell Cotts Freight Kenya Building, Shimanzi |
| 37 | Davis & Shirtliff Regulated Non-WDT-Sacco | Davis & Shirtliff Building, Dundori Road, Industrial Area |
| 38 | Devco Regulated Non-WDT-Sacco | KMA Building 7th Floor, Mara Road Upper Hill |
| 39 | Dhamini Regulated Non-WDT-Sacco | ACK Parking Silo, Bishop Road, Westlands |
| 40 | DHL Regulated Non-WDT-Sacco | DHL House, Witu Road Off Lusaka Road, Industrial Area |
| 41 | Digital Media Regulated Non-WDT-Sacco | 2nd Floor, Red Commercial Complex, Em- bakasi South |
| 42 | Dudu Regulated Non-WDT-Sacco | TRO ConferenceBuilding,ICIPE,Kasarani |
| 43 | Eagle’s Eye Regulated Non-WDT-Sacco | Christian Church International – Garissa Road, Thika |
| 44 | Embassava Regulated Non-WDT-Sacco | Jiwabhai Vekaria Building, Taveta Road, Nairobi CBD |
| 45 | Energy Regulated Non-WDT-Sacco | Kawi Complex Block A, South C |
| 46 | EPZA Regulated Non-WDT-Sacco | EPZ – Athi River |
| 47 | Equity Regulated Non-WDT-Sacco | Equity Centre, Upper Hill |
| 48 | Esta Regulated Non-WDT-Sacco | Kakuzi Plc Athara Office Makuyu, Muranga |
| 49 | Exams Regulated Non-WDT-Sacco | NewMitihani House,Popo Road, South C |
| 50 | Family Regulated Non-WDT-Sacco | 10th Family Bank Towers, Nairobi CBD |
| 51 | Farmers Choice Regulated Non-WDT-Sacco | Cemtek Building, Kahawa West, Area |
| 52 | Faulu Bank Regulated Non-WDT-Sacco | Faulu Microfinance Bank Building, Off Ngong Road, Nairobi |
| 53 | Finnlemm Regulated Non-WDT-Sacco | Finnlemm House, 55 Gatundu Road, Kile- leshwa, Nairobi |
| 54 | Fugo Regulated Non-WDT-Sacco | Full Gospel Churches of Kenya, Along Manyanja Road |
| 55 | Gathers RegulatedNon-WDT-Sacco | Gatundu Housing Coop House, Gatundu Town |
| 56 | Grain Bulk Regulated Non-WDT-Sacco | Grain Bulk Terminal Office Building, Shimanzi, Mombasa |
| 57 | Grand Granite Diaspora Regulated Non-WDT- Sacco | KMA APT, Block A, Suite 2.2, Chyulu Road, Upper Hill |
| 58 | Green Aro Community Regulated Non-WDT-Sacco | SaccoHouse,Market-DispensaryRd, Siaya |
| 59 | Haco Regulated Non-WDT-Sacco | Kasarani Mwiki Road, |
| 60 | Heart Regulated Non-WDT-Sacco | Tana House, Karen Shopping Centre, Nairobi |
| 61 | HELB Regulated Non-WDT-Sacco | Anniversary Towers, Nairobi CBD |
| 62 | Hills Regulated Non-WDT-Sacco | Siret O.E.P Plaza, KCB Street,Nandi Hills |
| 63 | Hoechem Regulated Non-WDT-Sacco | Highchem Complex, Mogadishu Road, In- dustrial Area, Nairobi |
| 64 | Hyperflora Regulated Non-WDT-Sacco | Kangaita Farm, Nanyuki |
| 65 | ICEA Agents Regulated Non-WDT-Sacco | Nairobi West, Kodi Road House No. 24, Nairobi |
| 66 | Irrigation Regulated Non-WDT-Sacco | Irrigation House, Lenana Road, Kilimani Area, Nairobi |
| 67 | Jachin Regulated Non-WDT-Sacco | Hadada Apartments, Kindaruma Road, Off Ngong Road |
| 68 | Java Regulated Non-WDT-Sacco | ABC Place, WaiyakiWay, Westlands, Nai- robi |
| 69 | Jumuia Ya Ulaya Regulated Non-WDT-Sacco | Dunhill Towers, 20th Floor, Waiyaki Way, Westlands, Nairobi |
| 70 | Kabarak University Regulated Non-WDT-Sacco | Students Centre, Kabarak University |
| 71 | KAG Regulated Non-WDT-Sacco | KAG East University, Buruburu, Nairobi |
| 72 | Kanisa Regulated Non-WDT-Sacco | AACC Compound, WaiyakiWay, West- lands |
| 73 | KASNEB Regulated Non-WDT-Sacco | KASNEB Towers, Upper Hill, Nairobi |
| 74 | KEMRI Regulated Non-WDT-Sacco | Kemri Visiting Scientists Quarters, Mbagathi Road |
| 75 | Kenchic Regulated Non-WDT-Sacco | Exsan House Building, Industrial Area |
| 76 | Kenred Regulated Non-WDT-Sacco | KenyaRedCrossBuilding,SouthC,Nairobi |
| 77 | Kentours Regulated Non-WDT-Sacco | Commodore Office Suites, Kindaruma Road, Kilimani,Nairbi |
| 78 | Kenya Medical Association Regulated Non-WDT- Sacco | KMA Centre, Upper Hill, Nairobi |
| 79 | Kenya Re Regulated Non-WDT-Sacco | Re-insurance Plaza, Nairobi CBD |
| 80 | Kenya Rural Roads Regulated Non-WDT-Sacco | Barabara Plaza, Airport SouthRoad, JKIA |
| 81 | Kenyatta Matibabu Regulated Non-WDT-Sacco | Flamingo Towers, Along Mara Road, Upper Hill |
| 82 | Ketepa Regulated Non-WDT-Sacco | Ketepa Head Office, Brooke House, Kericho Town |
| 83 | Kewisco Regulated Non-WDT-Sacco | West End Place, Nairobi West |
| 84 | Kiambu Chania Umoja RegulatedNon-WDT-Sacco | Thika Stadium, Thika |
| 85 | Kiatu Regulated Non-WDT-Sacco | Bata Shoe Premises, Limuru Town |
| 86 | Kico Regulated Non-WDT-Sacco | Bruce House, Standard Street |
| 87 | KIDAPU Regulated Non-WDT-Sacco | Kikinga House Annex,6th Floor, Kiambu Town |
| 88 | Kijabe Regulated Non-WDT-Sacco | AIC Kijabe Hospital, Kijabe |
| 89 | Kilele Regulated Non-WDT-Sacco | KUSCCO Centre, Along Kilimanjaro Avenue, Upper Hill, Nairobi |
| 90 | Kimtech Regulated Non-WDT-Sacco | Dedan Kimathi University Of Technology Premises, Resource Centre, Nyeri Town |
| 91 | Kinga Regulated Non-WDT-Sacco | Jumuia Place, Kilimani, Nairobi |
| 92 | Kingsize Regulated on-WDT-Sacco | Nairobi Bottlers Premises, North Airport Road, Nairobi |
| 93 | Kirungii Regulated Non-WDT-Sacco | Deloitte Place, Waiyaki Way, Muthangari Road, Nairobi |
| 94 | Kumbukumbu Regulated Non-WDT-Sacco | Kipande Road, Museum Hill, Nairobi |
| 95 | Kutafiti Regulated Non-WDT-Sacco | KWTRP Transport Office, Kilifi |
| 96 | Law Society Of Kenya Regulated Non-WDT-Sacco | Crawford Business Park, Statehouse Road, Nairobi |
| 97 | Limlak Regulated Non-WDT-Sacco | Ushirika Building, Limuru Town |
| 98 | Lompasago Regulated Non-WDT-Sacco | Theevan Building, Jogoo Road |
| 99 | London Regulated Non-WDT-Sacco | Athiriver London Distillers Premises, Athi River |
| 100 | Madison Regulated Non-WDT-Sacco | Madison House, Upper Hill |
| 101 | Majanees Regulated Non-WDT-Sacco | Mabroukie Tea Factory, Nazareth Road – Limuru |
| 102 | Maktaba Regulated Non-WDT-Sacco | Maktaba Kuu Building, Ngong Road |
| 103 | Masterways Regulated Non-WDT-Sacco | Old Mutual Building, Kimathi Street, Nairobi CBD |
| 104 | Mataara Travellers Regulated Non-WDT-Sacco | Kihanya Building, Thika |
| 105 | Mhasibu Regulated Non-WDT-Sacco | Absa Towers, Market Street, Nairobi |
| 106 | Mikebe Regulated Non-WDT-Sacco | Nampak Building, Thika |
| 107 | Minet Regulated Non-WDT-Sacco | Minet House, Along Professional Way – Off Nyerere Road, Nairobi |
| 108 | Mkombozi Regulated Non-WDT-Sacco | Alpha Centre, Godown No-85, Along Mombasa Road |
| 109 | Mofaa Regulated Non-WDT-Sacco | Jeda Plaza, Roysambu |
| 110 | Mount Kenya University Regulated Non-WDT- Sacco | Sacco Centre, General Kago, Thika |
| 111 | MTN Regulated Non-WDT-Sacco | Oluoch Building, Manyeki Road, Muranga Town |
| 112 | Multiple Regulated Non-WDT-Sacco | Multiple Hauliers Building, AirportSouth Road |
| 113 | Mzima Springs Regulated Non-WDT-Sacco | Student Center Building, Strathmore University |
| 114 | Nairobi Consumers Regulated Non-WDT-Sacco | New Nafuu Classic Building, Popo Road, Gikomba |
| 115 | Nairobi Water Regulated Non-WDT-Sacco | Garden Chambers, Moktar Dadah Street, Nairobi |
| 116 | Nendeni Regulated Non-WDT-Sacco | PCEA Kitengela Township Church Building, Kitengela |
| 117 | Neno Regulated Non-WDT-Sacco | Pearl Centre House, S.N. Patel Street, Embu Town |
| 118 | Network Regulated Non-WDT-Sacco | Standard Group Center, Mombasa Road |
| 119 | Nimepata Regulated Non-WDT-Sacco | International Leadership University, Mtito Andei Road, Westlands |
| 120 | Nyumba Generations Regulated Non-WDT-Sacco | Corrugated Sheets Limited- Mikindani, Mombasa |
| 121 | Nyumba – Nairobi Regulated Non-WDT-Sacco | Applewood Adams, Ngong Road, Nairobi |
| 122 | Olkaunsel Regulated Non-WDT-Sacco | Kajiado County Assembly Building, Kaji- ado Town |
| 123 | Panda Regulated Non-WDT-Sacco | Flower Business Park, Along Nairobi- Nakuru Highway, Naivasha |
| 124 | Parents Plan Regulated Non-WDT-Sacco | Methodist Ministries Centre,Block C, Lavington, Nairobi |
| 125 | Parliamentarians Regulated Non-WDT-Sacco | Protection House Building, Nairobi |
| 126 | PCEA Kayole Regulated Non-WDT-Sacco | PCEA Kayole Church, Spine Road, Nairobi |
| 127 | PCEA Makupa Parish Regulated Non-WDT-Sacco | PCEA Makupa Church, Off Tom Mboya Street, Mombasa |
| 128 | PCEA Regulated Non-WDT-Sacco | PCEA Jitegemea House, Along Muhoho Avenue, South C, Nairobi |
| 129 | PCEA Ruiru Regulated Non-WDT-Sacco | PCEA Ruiru Town Plaza Building, Ruiru Town |
| 130 | PEFA Nairobi Central Regulated Non-WDT-Sacco | Solar House 3rd Floor, Harambee Avenue, Nairobi |
| 131 | PESA Regulated Non-WDT-Sacco | Mountain Mall, Along Thika Raod Nairobi |
| 132 | PICEA Staff Regulated Non-WDT-Sacco | UAP – Old Mutual Tower, Upper Hill |
| 133 | Polytech Regulated Non-WDT-Sacco | Technical University Of Kenya, Haile Selassie Avenue, Nairobi |
| 134 | Postbank Regulated Non-WDT-Sacco | Postbank House, Banda Street, Nairobi |
| 135 | Queensway Regulated Non-WDT-Sacco | Ojijo Plaza, Off Ojijo, Nairobi |
| 136 | Radio Guard Regulated Non-WDT-Sacco | NACICO Plaza, Landhies Road, Nairobi |
| 137 | Rambhai Regulated Non-WDT-Sacco | Theevan House, Jogoo Road, City Stadi- um, Nairobi |
| 138 | Ramco Group Regulated Non-WDT-Sacco | KCB Building, Enterprise Road, Industrial Area |
| 139 | Reli Regulated Non-WDT-Sacco | Reli Sacco, Workshop Road, Nairobi |
| 140 | Relief Regulated Non-WDT-Sacco | International Committee Of The Red Cross Offices, Nairobi |
| 141 | Rembo Shuttle Regulated Non-WDT-Sacco | Red Heron Centre, Nairobi-Namanga Road, Kitengela |
| 142 | Royal Media Regulated Non-WDT-Sacco | Communication Centre, Maalim Juma Road, Nairobi |
| 143 | Rubani Regulated Non-WDT-Sacco | Rubani House, Nairobi |
| 144 | Sauti Regulated Non-WDT-Sacco | Sauti Office, Kapiti Road, Nairobi |
| 145 | Sawa Regulated Non-WDT-Sacco | WestPark Suites, Ojijo Road, Westlands |
| 146 | Shamiri Regulated Non-WDT-Sacco | MTRH, Memorial Wing, Eldoret |
| 147 | Shelloyees Regulated Non-WDT-Sacco | Vienna Court, State House Crescent Road, Nairobi |
| 148 | Sisi Kwa Sisi Regulated Non-WDT-Sacco | Pandya Memorial Hospital, Mombasa |
| 149 | Smart Savers Regulated Non-WDT-Sacco | Isuzu East Africa Premises, Nairobi |
| 150 | Stoke – UK Diaspora Regulated Non-WDT-Sacco | Sinkeed Arcade,Kitengela, |
| 151 | Taa Regulated Non-WDT-Sacco | Finance House, Nairobi CBD |
| 152 | CFAO Regulated Non-WDT-Sacco | Yamaha Building, CFAO Motors Limited Premises Nairobi |
| 153 | Tetra Pak Regulated Non-WDT-Sacco | SMK Building, Industrial Area, Enterprise Road, Nairobi |
| 154 | The Standard Regulated Non-WDT-Sacco | The Standard Group Centre, Nairobi |
| 155 | Torch Regulated Non-WDT-Sacco | Kenya Petroleum Refineries Premises, Changamwe |
| 156 | Total Regulated Non-WDT-Sacco | Regal Plaza, 2nd Floor West Wing, Nairobi |
| 157 | Tramom Regulated Non-WDT-Sacco | Dynamic Building, Old Mombasa Road, Changamwe |
| 158 | Transglob Regulated Non-WDT-Sacco | Acceler Towers, Nairobi |
| 159 | Transwest Regulated Non-WDT-Sacco | Ebby Towers, Kitale |
| 160 | Uaminifu Regulated Non-WDT-Sacco | KWFT Centre, Kiambere Road, Upper Hill |
| 161 | Ubora Regulated Non-WDT-Sacco | KEBS Headquarters, Popo Road, Nairobi |
| 162 | Ukaguzi Regulated Non-WDT-Sacco | Anniversary Towers, Nairobi |
| 163 | Ukombozi Regulated Non-WDT-Sacco | Deliverance Church, Kariba Street, Nakuru |
| 164 | United Winners Regulated Non-WDT-Sacco | Imani Towers, Umoja Estate, Nairobi |
| 165 | Unbound Regulated Non-WDT-Sacco | Mountain view, House 97, Kangemi Area, Nairobi |
| 166 | Unga Regulated Non-WDT-Sacco | Ngano House, Industrial Area |
| 167 | Unifying Regulated Non-WDT-Sacco | Mustard Seed Mall, Along Waiyaki Way, Uthiru |
| 168 | United Women Regulated Non-WDT-Sacco | Green House Mall, Adams Arcade, Nairobi |
| 169 | Uokoaji Regulated Non-WDT-Sacco | Commodore OfficeSuites,Suite4c,Nairobi |
| 170 | USIU-Africa Regulated Non-WDT-Sacco | USIU, Maintenance Yard, Nairobi |
| 171 | Utabibu Regulated Non-WDT-Sacco | Doctors’ Park, 4th Floor, Parklands Avenue Nairobi |
| 172 | Utafiti Regulated Non-WDT-Sacco | ILRI Campus, Nairobi |
| 173 | Uwezo Regulated Non-WDT-Sacco | Crown Paints, Likoni Road, Nairobi |
| 174 | Vegpro Regulated Non-WDT-Sacco | Jomo Kenyatta International Airport- Cargo Village, Nairobi |
| 175 | Verona Huruma Regulated Non-WDT-Sacco | Holy Trinity Catholic Church, Kariobangi Area, Nairobi |
| 176 | Vision Regulated Non-WDT-Sacco | World Vision Complex,KarenRoad, Nairobi |
| 177 | Wasado Regulated Non-WDT-Sacco | KCB Building Industrial Area, 3rdFloor, Nairobi |
| 178 | Waskom Regulated Non-WDT-Sacco | Blue House, Kangundo Road, Nairobi |
| 179 | Zoghori Regulated Non-WDT-Sacco | Tilu Bilu Building, Digo Road, Mombasa |
| 180 | Kenya – USA Diaspora Regulated Non-WDT-Sacco | Crescent Business Centre, Parklands Area |
| 181 | Forward Travellers Regulated Non-WDT-Sacco | Kayole Area, Nairobi |
Licensed Deposit-Taking SACCOs in Kenya (2024)
Key Considerations When Choosing an NDT-SACCO
Finding the ideal NDT-SACCO boils down to aligning their offerings with your specific financial needs. Here are some factors to consider:
- Membership Eligibility: NDT-SACCOs often cater to specific groups or professions. Ensure their membership criteria align with your background.
- Contribution Requirements: Understand the contribution amounts and schedule expected from members.
- Loan Products & Eligibility: Research the loan options available, interest rates, and eligibility criteria to see if they match your financial goals (e.g., business loans, education loans etc.).
- Fees & Charges: Be clear on any membership fees, loan processing charges, or other administrative costs associated with joining the NDT-SACCO.
- Focus & Services: Some NDT-SACCOs specialize in areas like agriculture, housing, or merchandise purchase. Choose one that aligns with your financial aspirations.
- Reputation & Reviews: While deposit-taking isn’t a core function, researching online reviews can provide valuable insights into the NDT-SACCO’s financial management and overall member experience.
Frequently Asked Questions (FAQs)
Q: How do I know if a Non-Deposit Taking SACCO is legitimate?
Always verify the NDT-SACCO’s license with SASRA. A legitimate NDT-SACCO will be registered and subject to their regulations.
Q: Are there any benefits to joining a Non-Deposit Taking-SACCO?
Absolutely! NDT-SACCOs offer access to affordable loans, financial literacy workshops, and a supportive community focused on shared financial well-being.