List Of Best Saccos in Kenya in 2022

Mwalimu National SACCO Loans, Branches, Contacts, Forms, Mobile services,  How to join, Website and Portal login -

List Of Best Saccos in Kenya in 2022

Saccos in Kenya work towards bringing together people with similar financial backgrounds/ characteristics for a common purpose of saving and investment. Several Saccos in Kenya offer such opportunities. 

Some of the Saccos yet end up collapsing due to their inability to sustain the interest of the members. So before joining any Sacco you need to do a Background check.

Below is a list of the best Saccos in the Country in 2022.

1) Mwalimu National Sacco Society Ltd

It is the largest African Sacco with a membership drawn from teachers in Kenya. It offers a wide range of products and services such as business loans, welfare services, Back Office Services Activities (BOSA), and FOSA products. Membership is only for teachers, employees of the Sacco, and employees of the Teachers Service Commission.

2) Unitas Sacco

It is a deposit-taking Sacco which was licensed under the Sacco Societies Act, 2012. It offers saving products and loan products such as development loans, biashara loans, inuka loans, project loans, kilimo poa advance, business quick fix, and maono advance loans.

3)Harambee Sacco Society

Harambee Sacco mainly draws its membership from the National government, County government, government parastatals, constitutional bodies, Kenya Defence Forces, National police service, National youth service, and government departments. It is also open to members of the private sector.

4) Stima Sacco

It is a leading countrywide fast-growing and licensed deposit-taking Sacco with an asset base of about Kshs. 30bn. It offers amazing savings and credit products such as development loans, asset financing, biashara loans, and mortgages. The Sacco is open for any member to join. It has branches in Nairobi, Kisumu, Eldoret, Nakuru, Embu and Mombasa.

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5) Amika Sacco

It is a Tier one Sacco that was started in 1966 by coffee farmers in Muranga but later opened its bond to serve all sectors. The Sacco rebranded in 2016 and is currently operating as Amica Savings & Credit, or simply as Amica Sacco

The Sacco has 18 branches and more than 360 agents spread across Nairobi, Kiambu, and Muranga Counties.

Amica Sacco’s banking channels include Mobile Banking, Sacco Agency, Visa cards, Cheque books, Pay bills, and Money transfer services like Pesalink and RTFT. 

Here are the benefits of this Sacco:

i)Members are given loans at ten (10) times their savings, popularly known as Investa.

ii) Loans are repayable for up to 5 years and the interest is charged from as low as 1% per month on reducing balance.

Contact: 0729 333 444

Check out more of their services from

6)United Nations Sacco

The Sacco commenced business in 1975. Its asset base currently stands at Kshs. 12 billion. It offers a wide range of financial products and loan services to its members. For one to become a member of the Sacco, one has to fill out a membership application form and pay a fee of 1,000 shillings, raise a share capital of Kshs 50,000 and make monthly contributions of not less than Kshs 2,300.

7)Waumini Sacco

It is a leading progressive Sacco with a membership of over 25,000 people drawn from catholic institutions, catholic church faithful, and previous employees of Catholic institutions. Sacco offers products such as FOSA loans, Tulia loans, emergency loans, mjengo loans, salary advance, and FOSA quick fixes.

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8) Kenya Police Sacco

The Sacco started operating in 1973 to mobilize savings and provide affordable credit facilities. Sacco has an asset base of 30 billion and a loan portfolio of Kshs. 26 billion. It draws its membership from serving and retired police officers, employees of the Kenya police service and Sacco, employees of the civil service, the business community, and employees from corporate entities.

Phone no: 0709 825 000

9) Kenya Bankers Sacco

It was registered as a Sacco in 1975 to initially serve employees in the banking industry. It currently draws membership from banks, financial/micro-financial institutions, building societies, chamas, and other institutions.

10) Kenya Medical Association Sacco

It was registered as a Sacco in 1998 and has tremendously grown as a major financier for medical practitioners countrywide. Sacco has an asset base that currently stands at 3.655 billion.

11) Hazina Sacco

It is a nationwide deposit-taking Sacco that was established in 1971 mainly to promote thrift and savings amongst the Sacco’s members. 

Initially, Hazina Sacco drew its membership from the then Ministry of Finance and Planning. Today, the Sacco has more than 19,000 members from other ministries, parastatals, county governments, and the private sector.

Hazina Sacco is the fifteenth largest deposit-taking Sacco in Kenya with an asset base of Ksh 9.69 billion. Hazina Sacco’s head office is located at Hazina Sacco Place along Kibera Road, off Ngong Road in Nairobi. They have three satellite offices in Mombasa, Siaya, and Vihiga.

Hazina Sacco Head Office Contacts

Phone: 0727 086 480, 0712 149 631


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Other Saccos include: 

  • Safaricom Sacco
  • Nation Sacco
  • Bandari Sacco
  • Mwito Sacco
  • Sheria Sacco
  • Balozi Sacco
  • Kimisitu Sacco 


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