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 Afya Sacco Society Limited – Located at Afya Centre, Tom Mboya Street, Nairobi Jamii Sacco Society Limited – Based at Mukenia Road, South B, Nairobi Harambee DT Sacco Society Limited – Found at Harambee Sacco Plaza, Haile Selassie Avenue Kenya National Police DT Sacco Society Limited – At Kenya Police Sacco Plaza, Ngara Road Stima DT Sacco Society Limited – Situated at Stima Sacco Plaza, Mushembi Road, Parklands Mhasibu DT Sacco Society Limited – Located at Absa Towers, Market Street Mwalimu National Sacco Society Limited – Found on Hill Lane, Nairobi Ushuru Sacco Society Limited – Located on Wood Avenue, Kilimani Sheria Sacco Society Limited – Found at Matumbato Close, Nairobi United Nations DT Sacco Society Limited – Located at the UN Complex, Gigiri Popular SACCOs in Central Kenya Biashara Sacco Society Limited – Based in Nyeri Town Mentor Sacco Society Limited – Located in Murang’a Tower Sacco Society Limited – Situated in Ol’kalou Township Wananchi Sacco Society Limited – Found in Othaya Nyati Sacco Society Limited – Headquartered at Odyssey Plaza, Nairobi Unison Sacco Society Limited – Located along Nyeri – Nanyuki Road Goodway Sacco Society Limited – In Kerugoya Azima Sacco Society Limited – Based on Wabera Street, Thika Asili Sacco Society Limited – Located along the Lower Ngara Road Amica Sacco Society Limited – Situated in Murang’a Leading SACCOs in Western Kenya Invest & Grow (IG) Sacco Society Limited – Kakamega Wevarsity Sacco Society Limited – Kakamega – Webuye Road Vihiga County Farmers Sacco Society Limited – Mudete Town Gusii Mwalimu Sacco Society Limited – Located on Kisii – Kericho Road Wakenya Pamoja Sacco Society Limited – Kahawa House, Kisii Trans Nation Sacco Society Limited – Chuka Town Smartlife Sacco Society Limited – Marakwet Topkrim DT Sacco Society Limited – Oyugis Town Fortitude Sacco Society Limited – Mbita Nandi Farmers Sacco Society Limited – Market Street, Nandi Hills Notable SACCOs in Eastern Kenya Imarisha Sacco Society Limited – Kisumu – Nakuru Highway Yetu Sacco Society Limited – Nkubu Town, Meru Nexus Sacco Society Limited – Nkubu, Meru Muki Sacco Society Limited – Kinangop Mwito Sacco Society Limited – Desai Road, Nairobi Golden Pillar Sacco Society Limited – Meru Town Jamii Yetu Sacco Society Limited – Maua Solution Sacco Society Limited – Gakoromone Road, Meru Smart Champions Sacco Society – Meru Univision Sacco Society Limited – Kitui Town SACCOs Found Along the Coast Hazina Sacco Society Limited – Ngong Road, Nairobi Imarika Sacco Society Limited – Kilifi Mafanikio Sacco Society Limited – Mombasa Shoppers Sacco Society Limited – Tom Mboya Street, Mombasa Ports DT Sacco Society Limited – Mwakilingo Road, Mombasa Tabasuri DT Sacco Society Limited – Texas Plaza, Mombasa Washa Sacco Society Limited – Ralli House, Nyerere Avenue, Mombasa Tai Sacco Society Limited – Githunguri Maisha Bora Sacco Society Limited – Industrial Area, Nairobi Simba Chai Sacco Society Limited – Kericho SACCOs Serving the Rift Valley Region Egerton University Sacco Society Limited – Njoro Boresha Sacco Society Limited – Eldama Ravine Capital Sacco Society Limited – Meru Patnas Sacco Society Limited – Litein Town Tenhos Sacco Society Limited – Tenwek, Bomet Trans Counties Sacco Society Limited – Kapsara Metropolitan National Sacco Society Limited – Kiambu Strategic DT Sacco Society Limited – Nairobi County Skyline DT Sacco Society Limited – Eldama Ravine Prime-Time Sacco Society Limited – Iten University and Institutional SACCOs Chuka University Sacco Society Limited – Chuka Egerton University Sacco Society Limited – Egerton Fundilima Sacco Society Limited – JKUAT Kenversity Sacco Society Limited – Kahawa Sukari The Kenya Bankers Sacco Society Limited – Nairobi NSSF Sacco Society Limited – Bishops Road, Nairobi Defence Sacco Society Limited – Ulinzi House Elimu Sacco Society Limited – Nairobi Airports Sacco Society Limited – Kenya Airports Authority HQ 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.