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SACCO stands for Savings and Credit Cooperative which is a special type of co-operative offering financial services with major focus on mobilization of funds and provision of affordable credit to its members who are both the owners and users. best investment SACCOs in kenya 2017 have been increasing day in day out. These SACCOs can be found within Nairobi, Kisumu, Mombasa, Nakuru, Kisii and all major towns in kenya.

The primary purpose of the SACCOs is to encourage savings among members from which they can borrow at affordable terms . Best managed SACCOs in Kenya normally survive the storm.

By December 2013 there were over 6,000 registered non-deposit taking Saccos in Kenya, 1,995 of which were active. Active in this context means the Saccos that filed their audited financial statements with the Commissioner for Cooperative Development as a legal requirement.


1. Unaitas

Formerly Muramati SACCO, the institution which was conceptualized in Murang’a Countyi in 1993 is evidently one of the most advanced ones in Kenya. With rumors abound of its plans to convert to a fully-fledged bank, Unaitas remains the most sought-after SACCO by small investors. They offer loans of up to 3 times ones savings with a repayment period of 72 months at interest rates of between 1 – 1.5% per month on reducing balance. This is one of best investment SACCOs in kenya. It is one of SACCOs within Nairobi

2. Kenya Police SACCO

Kenya Police Sacco is one of the most popular SACCOs in kenya  it was registered on 20th November 1972 and was issued with a registration certificate. The Society has had growth in its membership from a few hundred’s currently stands at 50,101. It has 9 elected members who form the Board of Directors of the SACCO and 3 members of the Supervisory Committee.Kenya Police Sacco Society undertakes corporate social responsibility programmes.  It one of the best managed SACCOs in kenya and amongest SACCOs in Nairobi

3. Stima SACCO

With five branches across the country and a thriving mobile banking system, Stima SACCO has been growing steadily since its establishment in 1974. You can borrow loans of up to 2 times your savings and repay in as much as 60 months. They charge an interest rate of 1% per month on reducing balance. Stima SACCOs membership is open to all. This is one of best SACCOs in kenya. It is one of best SACCOs in kenya for investment and can be found within Nairobi and Major towns

4.Waumini SACCO

This is a brain-child of the Catholic Church of Kenya and it mainly targets persons who are members of the congregation. With a country-wide reach and a solid financial foundation, this SACCO lends up to 3 times of savings allowing for a repayment period of 60 months at 12.5% per annum. it is one of best investment SACCOs in kenya can be found in Nairobi, Kisumu, Mombasa and Major towns

5. Hazina SACCO

Hazina Sacco is a nationwide Savings and Credit Co-operative Society established in the 1971 a. Members of the Society are drawn from various Government Ministries, Parastatals, Non- Governmental Organizations and Private Sector. Currently, the Society has over 10,000 members. One of the oldest SACCOs in Kenya

6. Maisha Bora SACCO

Maisha Bora Sacco Society Ltd is located along Factory Str in Kariba, Nairobi. It is opened from Mon – Fri 8.30am to 4.30pm and Closed on Weekends & Public Holidays.

7.K-Unity Sacco

With its operations majorly centered in Nairobi and Kiambu Counties, K-Unity’s track record has been stellar since 1974 when it was formally registered. Its membership is open to all, although one has to be vetted against their membership policy prior to being admitted. They give loans of up to 4 times one’s savings allowing for a repayment period of up to 36 months at 1% per month reducing balance interest rate.

8. Harambee SACCO

Harambee Sacco was Set up by a handful of small income earners and struggling subordinate staff at the Office of the President (OP), way back in 1970; Harambee Sacco is today a multi-billion shilling institution, with thousands of members and an expansive country-wide network that few financial institution in Kenya can match.

9.Imarika SACCO

Imarika SACCO was registered on 14th, September, 1974 with about 100 members who were employees of Teachers Service Commission (TSC) in KILIFI District. Currently the SACCO has an active membership of about 38,000 with its head office in KILIFI town with five branches in MALINDI, MTWAPA, KALOLENI,GARSEN,UKUNDA and a service center at BAMBA in Ganze District.

19.Kenya Bankers Sacco

11.Mwalimu National SACCO

Mwalimu National Sacco is the largest SACCO in kenya with over 80,000 members. it was formed and registered in the year 1974 under the Co-operative Societies Act as a SACCO Society whose main objective is to mobilize savings and provide credit to its members

10.Wanandege SACCO

Originally founded by employees of Kenya’s airline industry, Wanandege seems to be soaring at an all time high with its two branches (one in Nairobi and another one in Mombasa) and a functional m-banking system. They offer 3 times the value of one’s savings with a repayment period of 48 months at an interest of 1% per month.

12.United Nations Sacco Society

13.Afya Sacco Society Ltd

14.Chai Sacco

15.Ufanisi Sacco Society Ltd

16.Metropolitan Teachers Sacco Ltd

17. Kimisitu Sacco

18. Kisii youth Bunge SACCO

20.Kenya Medical Association Sacco



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