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24 October 2026 · How-to

How much does it cost to join a SACCO in Kenya? Fees compared

Registration fees, minimum share capital and monthly savings for 103 Kenyan SACCOs, from their own websites.

Joining a SACCO usually costs a one-off registration fee, plus share capital you build up (often in instalments) and a monthly saving. Across the 103 SACCOs below, registration fees range from KSh 100 to KSh 10,000, with a typical (median) fee of KSh 1,000.

SACCORegistration feeMinimum share capitalMinimum monthly saving
Taifa Sacco Society LtdKSh 100KSh 10,000—
Fortune Sacco Society LtdKSh 120KSh 500—
Digital Media Regulated Non-WDT- SaccoKSh 200KSh 300—
Prime – Time Sacco Society LtdKSh 200—KSh 1,500
Skyline DT Sacco Society LtdKSh 200—KSh 300
Southern Star Sacco Society LtdKSh 200KSh 5,000—
Wakenya Pamoja Sacco Society Ltd.KSh 300——
Imarisha Sacco Society LtdKSh 360KSh 30,000—
Bands Regulated Non-WDT-SaccoKSh 500KSh 5,000KSh 1,000
Dhabiti Sacco Society LtdKSh 500KSh 1,000—
Dimkes DT Sacco Society LtdKSh 500KSh 9,000—
Egerton University Sacco Society LtdKSh 500KSh 20,000—
Elimu Sacco Society LtdKSh 500—KSh 500
EPZA Regulated Non-WDT-SaccoKSh 500KSh 10,000KSh 1,500
GDC Sacco Society LtdKSh 500KSh 25,000KSh 1,000
Golden Pillar Sacco Society LtdKSh 500——
Hyperflora Regulated Non-WDT- SaccoKSh 500KSh 10,000KSh 500
Jitegemee Sacco Society LtdKSh 500——
Joinas Sacco Society LtdKSh 500——
KAG Regulated Non-WDT-SaccoKSh 500KSh 5,000KSh 1,000
Kenya Re Regulated Non-WDT-SaccoKSh 500—KSh 3,000
Nendeni Regulated Non-WDT-SaccoKSh 500—KSh 500
Qona Sacco Society LtdKSh 500KSh 10,000KSh 1,500
Qwetu Sacco Society LtdKSh 500——
Sauti Regulated Non-WDT-SaccoKSh 500KSh 500KSh 2,000
Stake Kenya Sacco Society LtdKSh 500—KSh 2,000
Stima DT Sacco Society LtdKSh 500KSh 25,000KSh 1,000
Supa Sacco Society LtdKSh 500——
Tabasuri DT Sacco Society LtdKSh 500KSh 24,000—
Taraji Sacco Society LtdKSh 500——
The Kenya Bankers Sacco Society Ltd.KSh 500KSh 30,000—
Ukristo Na Ufanisi DT Sacco Society LtdKSh 500—KSh 1,500
Vision Afrika Sacco Society LtdKSh 500——
Waumini Sacco Society LtdKSh 500KSh 15,000KSh 1,000
Winas Sacco Society LtdKSh 500KSh 10,000—
Defence Sacco Society LtdKSh 600KSh 20,000KSh 3,500
Times U Sacco Society LtdKSh 600KSh 5,000KSh 300
Home Business Sacco Society LtdKSh 660—KSh 500
Radio Guard Regulated Non-WDT- SaccoKSh 700——
Kewisco Regulated Non-WDT-SaccoKSh 800—KSh 2,500
Afya Sacco Society LtdKSh 1,000KSh 20,000KSh 5,000
AIBK Regulated Non-WDT-SaccoKSh 1,000—KSh 2,500
Airports Sacco Society LtdKSh 1,000——
Braemeg Regulated Non-WDT-SaccoKSh 1,000KSh 1,000KSh 1,000
Cosmopolitan Sacco Society LtdKSh 1,000—KSh 1,800
Dudu Regulated Non-WDT-SaccoKSh 1,000KSh 30,000KSh 4,000
Farmers Choice Regulated Non-WDT- SaccoKSh 1,000KSh 20,000—
Grain Bulk Regulated Non-WDT- SaccoKSh 1,000KSh 7,500KSh 2,000
Haco Regulated Non-WDT-SaccoKSh 1,000KSh 15,000KSh 2,000
Harambee DT Sacco Society LtdKSh 1,000KSh 30,000KSh 3,000
Hazina Sacco Society LtdKSh 1,000—KSh 1,000
Jamii Sacco Society LtdKSh 1,000——
Jogoo Sacco Society LtdKSh 1,000KSh 1,000KSh 1,000
Kencream Sacco Society LtdKSh 1,000KSh 15,000KSh 1,500
Kenversity Sacco Society LtdKSh 1,000——
Kimisitu Sacco Society LtdKSh 1,000KSh 30,000KSh 2,000
Law Society of Kenya Regulated Non-WDT-SaccoKSh 1,000——
Magereza Sacco Society LtdKSh 1,000——
Mwito Sacco Society LtdKSh 1,000KSh 20,000KSh 3,200
Nairobi Water Regulated Non-WDT- SaccoKSh 1,000—KSh 2,000
Nandi Farmers Sacco Society LtdKSh 1,000KSh 10,000KSh 500
Nation DT Sacco Society LtdKSh 1,000KSh 2,000—
Nimepata Regulated Non-WDT- SaccoKSh 1,000KSh 10,000—
PCEA Ruiru Regulated Non-WDT- SaccoKSh 1,000KSh 10,000—
PCEA Makupa Parish Regulated Non- WDT-SaccoKSh 1,000KSh 10,000—
PEFA Nairobi Central Regulated Non- WDT-SaccoKSh 1,000KSh 10,000KSh 1,500
PESA Regulated Non-WDT-SaccoKSh 1,000KSh 18,000KSh 1,000
Telepost Sacco Society LtdKSh 1,000KSh 21,000KSh 2,500
Tembo Sacco Society LtdKSh 1,000——
Tramom Regulated Non-WDT-SaccoKSh 1,000—KSh 3,000
Ubora Regulated Non-WDT-SaccoKSh 1,000KSh 10,000KSh 2,000
Ufanisi DT Sacco Society LtdKSh 1,000——
Unga Regulated Non-WDT-SaccoKSh 1,000KSh 20,000KSh 1,000
Unifying Regulated Non-WDT-SaccoKSh 1,000KSh 10,000KSh 1,000
Univision Sacco Society LtdKSh 1,000——
USIU-Africa Regulated Non-WDT- SaccoKSh 1,000—KSh 3,000
Wanaanga Sacco Society LtdKSh 1,000KSh 5,000—
Zoghori Regulated Non-WDTSaccoKSh 1,000KSh 500—
KIDAPU Regulated Non-WDT-SaccoKSh 1,200KSh 16,000KSh 2,100
Mhasibu DT Sacco Society LtdKSh 1,200KSh 10,000KSh 3,000
PCEA Kayole Regulated Non-WDT- SaccoKSh 1,200KSh 12,000KSh 1,000
Kico Regulated Non-WDT-SaccoKSh 1,500KSh 1,000—
Taqwa Sacco Society LtdKSh 1,500——
Good Faith Sacco Society LtdKSh 1,600KSh 16,500KSh 1,000
Sheria Sacco Society LtdKSh 1,700KSh 20,000—
Uni – County Sacco Society LtdKSh 1,800KSh 1,500—
Adventist Regulated Non-WDT- SaccoKSh 2,000KSh 10,000KSh 2,800
AMREF Regulated Non-WDT-SaccoKSh 2,000KSh 30,000KSh 3,000
Java Regulated Non-WDT-SaccoKSh 2,000KSh 10,000KSh 2,000
Maisha Bora Sacco Society LtdKSh 2,000—KSh 2,200
Mofaa Regulated Non-WDT-SaccoKSh 2,000KSh 10,000—
Ukaguzi Regulated Non-WDT-SaccoKSh 2,000KSh 20,000KSh 2,200
United Women Regulated Non-WDT- SaccoKSh 2,000KSh 20,000KSh 5,000
Balozi Regulated Non-WDT-SaccoKSh 2,010——
Jachin Regulated Non-WDT-SaccoKSh 2,500KSh 10,000KSh 2,000
Kenya Medical Association Regulated Non-WDT-SaccoKSh 3,000——
Rubani Regulated Non-WDT-SaccoKSh 3,000KSh 10,000—
Ukombozi Regulated Non-WDT- SaccoKSh 3,200——
Trans – Counties Sacco Society LtdKSh 5,000KSh 10,000KSh 1,000
Smart Savers Regulated Non-WDT- SaccoKSh 7,500KSh 4,000—
Grand Granite Diaspora Regulated Non-WDT-SaccoKSh 10,000KSh 100,000KSh 10,000
Kenya - USA Diaspora Regulated Non-WDT-SaccoKSh 10,000KSh 5,000KSh 5,000
Stoke - UK Diaspora Regulated Non- WDT-SaccoKSh 10,000KSh 20,000KSh 10,000

Figures are from each SACCO's own website and can change; some SACCOs have several membership tiers. Confirm with the SACCO before you pay.

What you usually need

  • National ID (copy)
  • KRA PIN certificate
  • Passport photo
  • Payslip, if you're salaried and want check-off

You can find a SACCO and apply online; we send your application to the SACCO. Not sure which to choose? Read how to choose a SACCO.