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SACCO dividend rates in Kenya

Dividends on share capital and interest on deposits, as declared by each SACCO. Sorted by year, then highest dividend.

Updated 24 October 2026. Every entry comes from the SACCO's own published information; tap a SACCO for its full details and the source. Spotted something out of date? Use "Suggest an edit" on the SACCO's page.

FY2025

SACCODividend on sharesInterest on depositsSource
Tower Sacco Society Ltd 20% 13% Tower Sacco opens the 2026 AGM season with huge payouts (Business Today)
Kenya National Police DT Sacco Society Ltd 17% 11% Police DT SACCO assets hit Sh66.6bn, pays Sh4.1bn to members (Capital FM Business)
Hazina Sacco Society Ltd 17% 10.75% Hazina Sacco registers growth in membership, declares 17% dividends (Sacco Review)
Stima DT Sacco Society Ltd 16% 11% Stima DT Sacco to pay members interest at 11 per cent (Sacco Review)

FY2024

SACCODividend on sharesInterest on depositsSource
Tower Sacco Society Ltd 20% 13% Saccos Report Impressive Dividends Payout (Co-op News)
Nation DT Sacco Society Ltd 20% 11% Saccos Report Impressive Dividends Payout (Co-op News)
Ports DT Sacco Society Ltd 20% 12.5% Saccos Report Impressive Dividends Payout (Co-op News)
Magadi Sacco Society Ltd 20% 12% Saccos Report Impressive Dividends Payout (Co-op News)
Yetu Sacco Society Ltd 19% 13% Saccos Report Impressive Dividends Payout (Co-op News)
Nyati Sacco Society Ltd 19% 11.35% Saccos Report Impressive Dividends Payout (Co-op News)
Ndege Chai Sacco Society Ltd 18.5% 10% Saccos Report Impressive Dividends Payout (Co-op News)
Unison Sacco Society Ltd 18% 12.6% Saccos Report Impressive Dividends Payout (Co-op News)
Mafanikio Sacco Society Ltd 18% — Saccos Report Impressive Dividends Payout (Co-op News)
Ollin Sacco Society Ltd 17.5% 12.2% Saccos Report Impressive Dividends Payout (Co-op News)
Kenya National Police DT Sacco Society Ltd 17% 11% Kenya Police SACCO approves KSh3.9b in dividends and interest (TV47)
Hazina Sacco Society Ltd 17% 10.85% Saccos Report Impressive Dividends Payout (Co-op News)
Invest & Grow (IG) Sacco Society Ltd 17% — Saccos Report Impressive Dividends Payout (Co-op News)
Winas Sacco Society Ltd 16.5% 12.5% Saccos Report Impressive Dividends Payout (Co-op News)
Stima DT Sacco Society Ltd 16% 11% Stima Sacco declares 16% percent dividend on shares (The Star)
Cosmopolitan Sacco Society Ltd 16% 12.04% Saccos Report Impressive Dividends Payout (Co-op News)
Harambee DT Sacco Society Ltd 15% 9% Harambee Sacco records improved performance, declares 15% dividend on shares (The Star)
Mentor Sacco Society Ltd 15% 12.5% Saccos Report Impressive Dividends Payout (Co-op News)
Kenya Highlands Sacco Society Ltd 15% 13.5% Saccos Report Impressive Dividends Payout (Co-op News)
Trans Nation Sacco Society Ltd 15% 12.5% Saccos Report Impressive Dividends Payout (Co-op News)
Capital Sacco Society Ltd 15% 9% Saccos Report Impressive Dividends Payout (Co-op News)
Imarika Sacco Society Ltd 15% 10% Saccos Report Impressive Dividends Payout (Co-op News)
Univision Sacco Society Ltd 14.5% 12% Saccos Report Impressive Dividends Payout (Co-op News)
Imarisha Sacco Society Ltd 14.09% 11.07% Saccos Report Impressive Dividends Payout (Co-op News)
New Fortis Sacco Society Ltd 14% 13% Saccos Report Impressive Dividends Payout (Co-op News)
Mwalimu National Sacco Society Ltd 13% 10% Mwalimu Sacco Announces 13% Dividends for 2024 (K47 Digital News)
Golden Pillar Sacco Society Ltd 12% 8.5% Saccos Report Impressive Dividends Payout (Co-op News)
Afya Sacco Society Ltd 0% 0% Afya SACCO delegates approve key resolutions on dividends, borrowing powers and audits during SDM (Sacco Review)

FY2023

SACCODividend on sharesInterest on depositsSource
Tower Sacco Society Ltd 20% 13% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Nation DT Sacco Society Ltd 20% 11% Saccos defy tough times, pay high dividends (The Star)
Ports DT Sacco Society Ltd 20% 12.5% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Yetu Sacco Society Ltd 19% 13% Yetu Sacco declares highest dividend payouts at 19% (Co-op News)
Ollin Sacco Society Ltd 17.5% 12.2% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Kenya National Police DT Sacco Society Ltd 17% 11% Saccos defy tough times, pay high dividends (The Star)
Cosmopolitan Sacco Society Ltd 16% 12.03% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Winas Sacco Society Ltd 16% 12.5% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Stima DT Sacco Society Ltd 15% 11% Stima Sacco Records Remarkable Performance at 50th AGM (Stima DT Sacco website)
Mentor Sacco Society Ltd 15% 12.4% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Solution Sacco Society Ltd 15% 12.5% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Kenya Highlands Sacco Society Ltd 15% 13.8% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Acumen DT Sacco Society Limited 15% — Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Univision Sacco Society Ltd 14.5% 12% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
New Fortis Sacco Society Ltd 14% 13% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Harambee DT Sacco Society Ltd 12% 8.5% Harambee Sacco records improved performance, declares 15% dividend on shares (The Star)
Simba Chai Sacco Society Ltd 10.5% 10.5% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Mwalimu National Sacco Society Ltd — — Mwalimu Sacco Announces 13% Dividends for 2024 (K47 Digital News)
Ndege Chai Sacco Society Ltd — 10.5% Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)

FY2022

SACCODividend on sharesInterest on depositsSource
Winas Sacco Society Ltd 15% — Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Stima DT Sacco Society Ltd — — Stima Sacco Records Remarkable Performance at 50th AGM (Stima DT Sacco website)
Yetu Sacco Society Ltd — — Yetu Sacco declares highest dividend payouts at 19% (Co-op News)
Ollin Sacco Society Ltd — — Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Cosmopolitan Sacco Society Ltd — — Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Acumen DT Sacco Society Limited — — Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Univision Sacco Society Ltd — — Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)
Ndege Chai Sacco Society Ltd — — Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News)

Dividends vs interest on deposits

A dividend is paid on your share capital, the part of your money you can't withdraw but can sell to another member. Interest on deposits is paid on your savings (non-withdrawable deposits), which most SACCOs use to work out how much you can borrow. Both are set each year at the SACCO's AGM, so past rates don't guarantee future ones. How to read a SACCO's annual results.