Most SACCOs ask for a copy of your national ID, KRA PIN and a passport photo, plus a registration fee. Confirm with Tower.
Apply online We send your application to the SACCO.| Year | Dividend | Interest on deposits | Total assets | Source |
|---|---|---|---|---|
| FY2025 | 20% | 13% | KSh 34.6bn | Tower Sacco opens the 2026 AGM season with huge payouts (Business Today) |
| FY2024 | 20% | 13% | — | Saccos Report Impressive Dividends Payout (Co-op News) |
| FY2023 | 20% | 13% | — | Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News) |
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 boardNone listed right now. Post a buy request or sell yours.
The Tower M-Pesa Paybill number is 506900. Use 16-digit account number (savings, share deposit or loan account) as the account number.
Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 506900, then the account. Use 16-digit account number (savings, share deposit or loan account) as the account number. Keep the M-Pesa message as your receipt.
You can dial *655# 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 Tower branch.
Yes: USSD *655#.
Phone: 0792 333 111, WhatsApp: 0731638930 and Email: customercare@towersacco.co.ke.
Tower has 29 offices in Nairobi, Nyahururu, Ndaragwa, Miharati, Nakuru, Naivasha, Gilgil, Kwa Haraka, Mtwapa, Mirangine, Rumuruti, Murungaru, Maralal, Narok, Mai-Mahiu, Nanyuki, Ngorika, Kamakis, Ngano, Wiyumiririe, Shamata, Geta, Gateway, Wamba, Kinamba, Subukia, Nyeri, Thika Makongeni and Mwisho Wa Lami. The head office is at Tower Sacco Fosa Building, Ol’kalou Township.
Bring your national ID and KRA PIN; Tower will tell you anything else it needs. You can apply online on SaccoLink and we'll send your application to Tower.
For FY2025, Tower paid 20% on share capital and 13% interest on deposits (source: Tower Sacco opens the 2026 AGM season with huge payouts (Business Today)). 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 Tower, so ask a branch for the loan form and current terms. If you need a guarantor from Tower, its SaccoLink guarantor board lets members guarantee each other.
Give Tower 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. Tower 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.
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