| Monday – Friday | 8:30 am – 4 pm |
|---|---|
| Saturday | 08:30-12:00 (1st and last Saturday of the month only) |
| Sunday | Closed |
Bring:
Individuals: registration KSh 500, share capital KSh 25,000 (50 shares at KSh 500), minimum monthly savings KSh 1,000 (KSh 500 for business persons). Corporates need KSh 50,000 share capital. An older Stima article ('Dear Investor...') quotes a KSh 3,000 membership fee; the current Memberships page says KSh 500.
Apply online We send your application to the SACCO.| Year | Dividend | Interest on deposits | Total assets | Source |
|---|---|---|---|---|
| FY2025 | 16% | 11% | — | Stima DT Sacco to pay members interest at 11 per cent (Sacco Review) |
| FY2024 | 16% | 11% | KSh 66.4bn | Stima Sacco declares 16% percent dividend on shares (The Star) |
| FY2023 | 15% | 11% | KSh 59.2bn | Stima Sacco Records Remarkable Performance at 50th AGM (Stima DT Sacco website) |
| FY2022 | — | — | KSh 53.8bn | Stima Sacco Records Remarkable Performance at 50th AGM (Stima DT Sacco website) |
As published by the SACCO or reported in the press. Past dividends don't guarantee future ones.
Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.
Open the guarantor boardThe Stima M-Pesa Paybill number is 823244. Use Monthly deposit: 802 + 7-digit member number + 00; Share capital: 800 + member no + 00; Prime a/c: 801 + member no + 00 as the account number.
Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 823244, then the account. Use Monthly deposit: 802 + 7-digit member number + 00; Share capital: 800 + member no + 00; Prime a/c: 801 + member no + 00 as the account number. Keep the M-Pesa message as your receipt.
You can dial *492# and log in with your member details to see your deposits, shares and loan balance. If you haven't registered for mobile banking, register at any Stima branch.
Yes: USSD *492#.
Phone: 0703024024, 0703024000, WhatsApp: 0703024001 and Email: customercare@stima-sacco.com.
Monday to Friday 8:30 am – 4 pm, Saturday 08:30-12:00 (1st and last saturday of the month only), Sunday closed.
Stima has 13 offices in Embu, Nairobi, Kisii, Meru, Eldoret, Naivasha, Nakuru, Kisumu and Mombasa. The head office is at Stima Sacco Plaza, Mushembi Road, Parklands, Nairobi.
You need: completed membership application form, copy of National ID card/passport, recent photo and copy of KRA PIN certificate. Expect a registration fee of KSh 500, minimum share capital of KSh 25,000 and a minimum monthly saving of KSh 1,000. You can apply online on SaccoLink and we'll send your application to Stima.
For FY2025, Stima paid 16% on share capital and 11% interest on deposits (source: Stima DT Sacco to pay members interest at 11 per cent (Sacco Review)). Rates are set each year at the AGM, so future rates may differ.
Loans are for members. How long you must save first, how much you can borrow against your deposits, and how many guarantors you need are set by Stima, so ask a branch for the loan form and current terms. If you need a guarantor from Stima, its SaccoLink guarantor board lets members guarantee each other.
Give Stima written notice. Deposits are usually refunded after a notice period once your loans and any guarantees you have given are cleared. Share capital is normally not refunded, but you can sell it to another member, for example on SaccoLink.
Yes. Stima is on SASRA's list of SACCOs licensed to take deposits (FOSA) for 2026, so it can offer withdrawable savings accounts as well as loans.
Details from the SACCO's official website. Last checked 24 Oct 2026. Something wrong or missing? Suggest an edit.
Fill in a short form and we send it to the SACCO. Free.
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