Set it once, and M-Pesa sends money to Stima by itself every day, week or month. No need to remember.
You can change or stop it any time on *334# under M-Ratiba. Keep enough in M-Pesa on the day it runs.
| 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.From Stima's website. Compare with other SACCOs
From The SACCO's website, 27 October 2026. Rates and terms change: confirm with Stima before you apply.
We haven't recorded Stima's risk fund, loan cover or welfare benefits yet. Know them? Tell us.
| 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, reported in the press, or shown on members' dividend payslips. Past dividends don't guarantee future ones.
Work out my Stima dividendFrom Stima's own website, checked daily. Each opens on the SACCO's site.
Stories from Kenya's co-operative press that name Stima. Each opens on the publisher's site.
1 member is on the guarantor board, offering to guarantee each other.
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.
Be a member of the SACCO for at least three months (individual members). Meet all the requirements of the specific loan product. Hold the minimum share capital at the time of applying. (Source: Stima's website. Confirm with the SACCO before you apply.)
19 loans: Normal Loan, Super Loan, Premium, Mwangaza (non-scheme), Makeover Loan, SOSA, Funika, Working Capital Loan, Asset Finance School Loan, Local Purchase Order (LPO) Financing, Invoice Discounting Loan, Investor Loan, Plot Financing Loan, Makaazi Poa Loan, Mpawa Loan, Prime Advance Loan, Emergency School Fees Loan, Msingi Bora Loan and Salary Advance Loan. Most let you borrow up to 4 times your deposits. (Source: The SACCO's website. Confirm current terms with the SACCO.)
Most Stima loans let you borrow up to 4 times your deposits, and repayments must leave you at least a third of your salary (the 2/3 rule). SaccoLink's loan calculator works out the limit and the monthly repayment.
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.
Apply to join Find a guarantor Buy sharesWork at Stima?
Manage this page: contacts, hours, M-Pesa codes and dividend rates, and see who applied to join.
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