List of Kenyan SACCOs That Paid the Highest Dividends and Deposit Interest in 2026
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Kenya’s Savings and Credit Cooperative Organisations (SACCOs) continue to grow as more people join them to save money and access affordable loans. Over the years, SACCOs have become one of the most trusted financial institutions in the country because they reward members with dividends and interest on deposits.
Recent financial reports released in 2026 for the financial year ending December 2025 show that several SACCOs performed very well and paid attractive returns to their members.
Growth of SACCOs in Kenya
According to the Sacco Societies Regulatory Authority (SASRA), Kenya currently has more than 350 regulated SACCOs operating across the country.
The SACCO sector has experienced strong growth over the past decade. Total assets held by SACCOs increased significantly from about KSh 301.5 billion in 2014 to over KSh 1.07 trillion by December 2024. This marks the first time the sector has crossed the trillion-shilling mark.
Savings and deposits from members have also grown rapidly. Over the last 10 years, deposits have increased from KSh 205.9 billion to KSh 749.4 billion, indicating that more Kenyans are trusting SACCOs with their money.
Membership has also grown steadily. In 2014, regulated SACCOs had about 3.08 million members, but by 2024 this had increased to over 7.39 million.
Globally, Kenya’s credit union system ranks 14th by total assets, underscoring the importance of SACCOs in the country’s financial sector.
Why Many Kenyans Join SACCOs
SACCOs attract members because they provide several financial benefits. Apart from offering savings accounts and loans, members also earn:
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Dividends on share capital
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Interest on deposits
These payments are usually announced after SACCOs release their yearly financial results.
Kenyan SACCOs That Paid the Highest Dividends in 2026
Based on financial reports released by several SACCOs and industry data, the following institutions paid some of the highest dividends and deposit interest rates in 2026.
| SACCO | Dividend Rate | Interest on Deposits |
|---|---|---|
| Nyati DT SACCO | 21% | 11.3% |
| Tower SACCO | 20% | 13% |
| Ports SACCO | 20% | 12.5% |
| Yetu DT SACCO Ltd | 19% | 13% |
| Unison SACCO | 18.5% | 12.6% |
| Nation DT SACCO | 18% | 10% |
| Ollin SACCO | 17.5% | 12.2% |
| Police SACCO | 17% | 11% |
| Suluhu SACCO | 17% | 11.8% |
| Hazina SACCO | 17% | 10.75% |
| Cosmopolitan SACCO | 16.5% | 12.05% |
| Winas SACCO | 16.5% | 12.5% |
| Stima SACCO | 16% | 11% |
| Capital SACCO | 16% | 9% |
| Nawiri SACCO | 15% | 15% |
| Trans-Nation SACCO | 15% | 12.5% |
| Mentor SACCO | 15% | 12.5% |
| Simba Chai SACCO | 15% | 11% |
| Imarisha SACCO | 15.01% | 10.5% |
| Newfortis SACCO | 14% | 13% |
These high rates show why many workers and professionals in Kenya prefer saving their money in SACCOs.
SACCOs With the Largest Assets in Kenya
Apart from paying dividends, some SACCOs are also known for having very large asset bases.
Mwalimu National SACCO is currently the largest SACCO in Kenya with assets worth about KSh 68.89 billion.
It is followed by:
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Stima SACCO – about KSh 66.81 billion in assets
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Kenya Police SACCO – about KSh 59.83 billion
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Harambee SACCO – about KSh 41.32 billion
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Tower SACCO – about KSh 28.04 billion
These institutions continue to dominate the SACCO sector due to their large membership and strong financial performance.
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