Licensed Deposit-Taking SACCOs In Kenya – Complete Guide

Kenya’s savings and credit cooperatives (SACCOs) remain one of the most trusted ways to save money, access credit, and grow wealth at grassroots levels. As the SACCO movement grows, regulation has become more important than ever.

That’s where SASRA—the Sacco Societies Regulatory Authority—comes in. Established in 2010, SASRA supervises and licenses all deposit-taking SACCOs. These SACCOs must meet stringent financial and management standards, providing members with peace of mind.

In 2025, Kenya has 178 licensed deposit-taking SACCOs. Below is the complete list to help you find one near you.

Understanding Licensed Deposit-Taking SACCOs In Kenya

Deposit-taking SACCOs are cooperatives allowed to accept deposits from members and offer credit and other financial services. They operate under strict supervision from SASRA, a government body created to boost transparency, efficiency, and security in the SACCO industry.

SASRA’s role includes:

• Licensing all DT-SACCOs in Kenya.
• Monitoring their financial health and operations.
• Protecting member savings by enforcing compliance with financial regulations.

Being licensed means a SACCO is safe, trustworthy, and meets the minimum operational requirements set by the law. Members of licensed SACCOs enjoy greater protection and confidence in their investments.

Top Deposit-Taking SACCOs in Nairobi

1. Afya Sacco Society Limited – Located at Afya Centre, Tom Mboya Street, Nairobi
2. Jamii Sacco Society Limited – Based at Mukenia Road, South B, Nairobi
3. Harambee DT Sacco Society Limited – Found at Harambee Sacco Plaza, Haile Selassie Avenue
4. Kenya National Police DT Sacco Society Limited – At Kenya Police Sacco Plaza, Ngara Road
5. Stima DT Sacco Society Limited – Situated at Stima Sacco Plaza, Mushembi Road, Parklands
6. Mhasibu DT Sacco Society Limited – Located at Absa Towers, Market Street
7. Mwalimu National Sacco Society Limited – Found on Hill Lane, Nairobi
8. Ushuru Sacco Society Limited – Located on Wood Avenue, Kilimani
9. Sheria Sacco Society Limited – Found at Matumbato Close, Nairobi
10. United Nations DT Sacco Society Limited – Located at the UN Complex, Gigiri

Popular SACCOs in Central Kenya

1. Biashara Sacco Society Limited – Based in Nyeri Town
2. Mentor Sacco Society Limited – Located in Murang’a
3. Tower Sacco Society Limited – Situated in Ol’kalou Township
4. Wananchi Sacco Society Limited – Found in Othaya
5. Nyati Sacco Society Limited – Headquartered at Odyssey Plaza, Nairobi
6. Unison Sacco Society Limited – Located along Nyeri – Nanyuki Road
7. Goodway Sacco Society Limited – In Kerugoya
8. Azima Sacco Society Limited – Based on Wabera Street, Thika
9. Asili Sacco Society Limited – Located along the Lower Ngara Road
10. Amica Sacco Society Limited – Situated in Murang’a

Leading SACCOs in Western Kenya

1. Invest & Grow (IG) Sacco Society Limited – Kakamega
2. Wevarsity Sacco Society Limited – Kakamega – Webuye Road
3. Vihiga County Farmers Sacco Society Limited – Mudete Town
4. Gusii Mwalimu Sacco Society Limited – Located on Kisii – Kericho Road
5. Wakenya Pamoja Sacco Society Limited – Kahawa House, Kisii
6. Trans Nation Sacco Society Limited – Chuka Town
7. Smartlife Sacco Society Limited – Marakwet
8. Topkrim DT Sacco Society Limited – Oyugis Town
9. Fortitude Sacco Society Limited – Mbita
10. Nandi Farmers Sacco Society Limited – Market Street, Nandi Hills

Notable SACCOs in Eastern Kenya

1. Imarisha Sacco Society Limited – Kisumu – Nakuru Highway
2. Yetu Sacco Society Limited – Nkubu Town, Meru
3. Nexus Sacco Society Limited – Nkubu, Meru
4. Muki Sacco Society Limited – Kinangop
5. Mwito Sacco Society Limited – Desai Road, Nairobi
6. Golden Pillar Sacco Society Limited – Meru Town
7. Jamii Yetu Sacco Society Limited – Maua
8. Solution Sacco Society Limited – Gakoromone Road, Meru
9. Smart Champions Sacco Society – Meru
10. Univision Sacco Society Limited – Kitui Town

SACCOs Found Along the Coast

1. Hazina Sacco Society Limited – Ngong Road, Nairobi
2. Imarika Sacco Society Limited – Kilifi
3. Mafanikio Sacco Society Limited – Mombasa
4. Shoppers Sacco Society Limited – Tom Mboya Street, Mombasa
5. Ports DT Sacco Society Limited – Mwakilingo Road, Mombasa
6. Tabasuri DT Sacco Society Limited – Texas Plaza, Mombasa
7. Washa Sacco Society Limited – Ralli House, Nyerere Avenue, Mombasa
8. Tai Sacco Society Limited – Githunguri
9. Maisha Bora Sacco Society Limited – Industrial Area, Nairobi
10. Simba Chai Sacco Society Limited – Kericho

SACCOs Serving the Rift Valley Region

1. Egerton University Sacco Society Limited – Njoro
2. Boresha Sacco Society Limited – Eldama Ravine
3. Capital Sacco Society Limited – Meru
4. Patnas Sacco Society Limited – Litein Town
5. Tenhos Sacco Society Limited – Tenwek, Bomet
6. Trans Counties Sacco Society Limited – Kapsara
7. Metropolitan National Sacco Society Limited – Kiambu
8. Strategic DT Sacco Society Limited – Nairobi County
9. Skyline DT Sacco Society Limited – Eldama Ravine
10. Prime-Time Sacco Society Limited – Iten

University and Institutional SACCOs

1. Chuka University Sacco Society Limited – Chuka
2. Egerton University Sacco Society Limited – Egerton
3. Fundilima Sacco Society Limited – JKUAT
4. Kenversity Sacco Society Limited – Kahawa Sukari
5. The Kenya Bankers Sacco Society Limited – Nairobi
6. NSSF Sacco Society Limited – Bishops Road, Nairobi
7. Defence Sacco Society Limited – Ulinzi House
8. Elimu Sacco Society Limited – Nairobi
9. Airports Sacco Society Limited – Kenya Airports Authority HQ
10. Telepost Sacco Society Limited – City Square Post Office

How to Identify a Licensed SACCO

To ensure your SACCO is legitimate:

• Visit SASRA’s website and review the latest list of licensed DT-SACCOs.
• Check whether the SACCO has a valid certificate of registration from SASRA.
• Visit the SACCO offices listed and verify they match those published by SASRA.

Engaging with licensed SACCOs protects your savings and gives you access to regulated financial services. Avoid any unregistered or unlicensed groups claiming to be SACCOs.

SASRA Contacts for Verification and Complaints

If you’re unsure about a SACCO’s licensing or need to raise an issue, contact SASRA directly.

• Location: 19th Floor, UAP Old Mutual Tower, Upper Hill Road, Nairobi
• Phone: 020 2935100
• Website: www.sasra.go.ke

Final Word

Joining one of the 178 licensed deposit-taking SACCOs in Kenya is one of the best financial moves you can make in 2025.

Whether you’re a teacher, farmer, police officer, trader, or student, there is a SACCO that suits your financial needs. Always ensure the SACCO is licensed by SASRA to guarantee your safety and peace of mind.