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24 October 2026 · Dividends

SACCO dividends for 2024: what 28 Kenyan SACCOs paid their members

Dividends on share capital and interest on deposits declared by 28 SACCOs for FY2024, plus the 2025 rates announced so far. Every figure is linked to its source.

Here is what 28 Kenyan SACCOs declared for the 2024 financial year, as announced by the SACCOs or reported in the press. The highest dividend on share capital among them was 20% and the average across these 28 was 16.0%.

SACCODividend on sharesInterest on deposits
Magadi Sacco Society Ltd20%12%
Nation DT Sacco Society Ltd20%11%
Ports DT Sacco Society Ltd20%12.5%
Tower Sacco Society Ltd20%13%
Nyati Sacco Society Ltd19%11.35%
Yetu Sacco Society Ltd19%13%
Ndege Chai Sacco Society Ltd18.5%10%
Mafanikio Sacco Society Ltd18%—
Unison Sacco Society Ltd18%12.6%
Ollin Sacco Society Ltd17.5%12.2%
Hazina Sacco Society Ltd17%10.85%
Invest & Grow (IG) Sacco Society Ltd17%—
Kenya National Police DT Sacco Society Ltd17%11%
Winas Sacco Society Ltd16.5%12.5%
Cosmopolitan Sacco Society Ltd16%12.04%
Stima DT Sacco Society Ltd16%11%
Capital Sacco Society Ltd15%9%
Harambee DT Sacco Society Ltd15%9%
Imarika Sacco Society Ltd15%10%
Kenya Highlands Sacco Society Ltd15%13.5%
Mentor Sacco Society Ltd15%12.5%
Trans Nation Sacco Society Ltd15%12.5%
Univision Sacco Society Ltd14.5%12%
Imarisha Sacco Society Ltd14.09%11.07%
New Fortis Sacco Society Ltd14%13%
Mwalimu National Sacco Society Ltd13%10%
Golden Pillar Sacco Society Ltd12%8.5%
Afya Sacco Society Ltd0%0%

Announced so far for 2025

We add rates as SACCOs announce them. The full table, with every source, is on SACCO dividend rates.

Dividend or interest: which one is yours?

The dividend is paid on share capital, the money you can't withdraw but can sell to another member. Interest on deposits is paid on your savings, which also decide how much you can borrow. A high dividend matters most if you hold a lot of share capital; for most members, deposits are the bigger balance.

Rates are approved at each SACCO's annual general meeting and change every year. A high rate one year isn't a promise for the next. See how to read a SACCO's annual results.

Sources