Top 10 Best Dividend-Paying SACCOs in Kenya (2025)

You lock your cash in a savings account, and months later... crickets. No growth, no returns—just bank charges eating away at your balance.

But what if your money could actually work for you?

That’s where SACCOs come in. Not the dusty, old-school ones you’re thinking of—but serious financial cooperatives paying out up to 20% in dividends. And the best part? Many of them are open to regular Kenyans like you and me.

In this article, I’ll walk you through the top 10 dividend-paying SACCOs in Kenya for 2025. If you're looking to grow your money this year—this is where you start.

Top 10 Dividend-Paying SACCOs in Kenya (2025)

1. Tower SACCO — 20%

2. Ports SACCO — 20%

3. Yetu SACCO — 19%

4. Ollin SACCO — 17.5%

5. Winas SACCO — 16.5%

6. Cosmopolitan SACCO — 16%

7. Trans Nation SACCO — 15%

8. Solution SACCO — 15%

9. NewFortis SACCO — 14%

10. Capital SACCO — 15%

1. Tower SACCO

• Dividend on Share Capital: 20%​
• Interest on Deposits: 13%​
• Highlights: Tower SACCO experienced a 24% revenue growth, reaching Ksh 4.3 billion, and distributed over Ksh 2.4 billion to its members. ​

Established in 1976 by primary school teachers in Ol'Kalou, Tower SACCO has grown into one of Kenya's largest SACCOs, with over 250,000 members and an asset base exceeding Ksh 28 billion.

2. Ports SACCO

• Dividend on Share Capital: 20%​
• Interest on Deposits: 12.5%​
• Highlights: Achieved a 49.5% increase in net surplus, totaling Ksh 444.2 million, with assets growing to Ksh 10.54 billion.

Founded in 1966 by employees of the East African Harbours & Railways Corporation, Ports SACCO is a Tier 1 licensed deposit-taking SACCO regulated by SASRA. It has expanded its membership to include salaried and non-salaried individuals, investment groups (chamas), corporates, sole proprietors, and Kenyans in the diaspora.

3. Yetu SACCO

• Dividend on Share Capital: 19%​
• Interest on Deposits: 13%​
• Highlights: Total assets rose to Ksh 7.86 billion, up from Ksh 6.42 billion the previous year.

Yetu SACCO is a licensed deposit-taking cooperative society headquartered in Nkubu, Meru County, Kenya. Established in 2010, it has expanded its presence beyond South Imenti to serve a diverse membership across the country. The name “Yetu,” meaning “ours” in Swahili, reflects its member-driven approach to financial empowerment.​

4. Ollin SACCO

• Dividend on Share Capital: 17.5%​
• Interest on Deposits: 12.2%​
• Highlights: Expanded its branch network across multiple counties, serving over 33,000 active members.

Ollin SACCO, established in 1976 and headquartered in Kerugoya, Kirinyaga County, is a prominent deposit-taking savings and credit cooperative society in Kenya. With over 35,000 active members and an asset base exceeding Ksh 8 billion, it serves a diverse membership, including teachers, civil servants, entrepreneurs, and farmers.​

5. Winas SACCO

• Dividend on Share Capital: 16.5%​
• Interest on Deposits: 12.5%​
• Highlights: Achieved total assets exceeding Ksh 14.4 billion, reflecting strong financial growth.

Winas SACCO, originally established in 1977 as Embu Teachers SACCO, has evolved into a prominent deposit-taking cooperative society in Kenya. Licensed by the SACCO Societies Regulatory Authority (SASRA), it boasts a membership exceeding 45,000 individuals from diverse sectors, including education, civil service, entrepreneurship, and agriculture.

6. Cosmopolitan SACCO

• Dividend on Share Capital: 16%​
• Interest on Deposits: 12.4%​
• Highlights: Closed the fiscal year with an asset base of Ksh 11.68 billion, up from Ksh 10.29 billion.

Cosmopolitan SACCO is a well-established deposit-taking savings and credit co-operative society based in Nakuru, Kenya. With over 45 years of service, it has grown into a trusted financial institution offering a wide range of products and services to its members. These include credit and savings products, mobile banking options like USSD codes and the M-Cosmo app, as well as other services such as ATM access. The SACCO's mission is to empower and transform lives through innovative and quality financial solutions that satisfy the diverse needs of its members .​

7. Trans Nation SACCO

• Dividend on Share Capital: 15%​
• Interest on Deposits: 12.5%​
• Highlights: Distributed over Ksh 1 billion to members, with total assets reaching Ksh 12.02 billion.

Trans National Times SACCO Ltd (TNT SACCO) is a licensed deposit-taking cooperative society headquartered in Kitale, Kenya. Established in 1977 by teachers from the former Trans-Nzoia District, it has grown to serve over 28,000 members across various sectors, including education, civil service, private enterprises, and small businesses. The SACCO operates under the guiding motto “Tujitegemee Kiuchumi,” which translates to “Let’s be economically self-reliant.”

8. Solution SACCO

• Dividend on Share Capital: 15%​
• Interest on Deposits: 10.5%​
• Highlights: Maintained an asset base of over Ksh 7.5 billion, serving a diverse membership across various sectors. ​

​Solution SACCO is a licensed deposit-taking cooperative society headquartered in Meru, Kenya. Established in 1993 following its separation from Meru Mwalimu SACCO, it has grown into a prominent financial institution with over 35,000 members and an asset base exceeding Ksh 8.3 billion. The SACCO serves a diverse membership, including individuals from the education, health, cooperative, and government sectors, as well as MSMEs, chamas, and community-based organizations.

9. NewFortis SACCO

• Dividend on Share Capital: 14%​
• Interest on Deposits: 13%​
• Highlights: Distributed over Ksh 993.98 million to members, reflecting solid financial performance.

NewFortis SACCO, formerly known as Nyeri Teachers SACCO, is a licensed deposit-taking cooperative society established in 1976. Headquartered in Nyeri, Kenya, it has expanded its membership beyond the teaching fraternity to include civil servants and individuals from various sectors across the country. As of July 2023, the SACCO boasts over 20,500 registered members and an asset base exceeding Ksh 11.1 billion

10. Capital SACCO

• Dividend on Share Capital: 15%​
• Interest on Deposits: 9%​
• Highlights: Continued to provide competitive returns to its members, reinforcing its position in the cooperative sector.

Capital SACCO Ltd is a licensed deposit-taking cooperative society established in 1972 as a section of the Meru Farmers Co-operative Union Ltd. Initially serving members of affiliated dairy and coffee societies, it became a separate entity in 2005 known as Meru Farmers SACCO. In 2012, it rebranded to Capital SACCO to cater to a broader clientele, including entrepreneurs, salaried individuals, institutions, youth, and children across Kenya.

How to Choose the Best SACCO for You

Not all SACCOs are created equal—and just because one pays a high dividend doesn’t mean it’s the right fit for you. Here are a few things to consider before you commit your money:

1. Check the Dividend and Interest History

Look at more than just the current year. Has the SACCO consistently paid strong dividends for the past 3–5 years? A one-time high payout could be a fluke—consistency is what you want.

2. Consider Your Eligibility

Some SACCOs are open to the public, while others are limited to certain professions (like teachers, police officers, or civil servants). Before you fall in love with one, make sure you actually qualify to join.

3. Cost of Entry

How much is a share? Are there minimum shareholding requirements? Some SACCOs are affordable to join, while others may require a larger upfront commitment. Go for what matches your budget.

4. Loan Accessibility

Most SACCOs offer loans at low interest rates. Check how soon you qualify for loans, the terms, and what kind of savings multiple they use (e.g., 3x or 4x your savings).

5. Customer Service & Tech

A SACCO that’s stuck in the past can be a pain to deal with. Check if they have online platforms, mobile apps, or at least decent customer support—especially if you live far from their branches.

6. Reputation & Regulation

Is the SACCO registered and regulated by SASRA (the SACCO Societies Regulatory Authority)? Are people online praising them—or warning others? Do your homework and listen to other members’ experiences.

Conclusion

These SACCOs have demonstrated strong financial performance, offering competitive dividends and interest rates to their members. Prospective members should consider factors such as share costs, eligibility criteria, and the SACCO’s financial health when choosing where to invest.

Frequently Asked Questions (FAQ)

Q1: Which SACCOs in Kenya paid the highest dividends in 2025?

As of January 2025, the top SACCOs that paid the highest dividends on share capital include:​

• Tower SACCO – 20%​
• Ports SACCO – 20%
• Ollin SACCO – 17.5%​
• Winas SACCO – 16.5%​
• Cosmopolitan SACCO – 16%​
• Solution SACCO – 15%​
• Mentor SACCO – 15%​
• Univision SACCO – 14.5%​
• NewFortis SACCO – 13%​
• Yetu SACCO – 19%​

Q2: What is the difference between dividends and interest on deposits in SACCOs?

Dividends are returns paid on the share capital a member holds in a SACCO, reflecting the SACCO's profitability. Interest on deposits refers to earnings on the savings a member has deposited, akin to interest earned in a bank savings account.​

Q3: How can I join a high-dividend SACCO in Kenya?

Membership requirements vary by SACCO. Generally, you need to:​

• Meet the SACCO's eligibility criteria (e.g., profession, region, or affiliation).​
• Pay a membership fee.​
• Purchase the minimum required share capital.​
• Start making regular deposits as per the SACCO's policy.​

It's advisable to contact the specific SACCO for detailed membership requirements.​

Q4: Are SACCO dividends taxable in Kenya?

Yes, dividends from SACCOs are subject to withholding tax in Kenya. The rate may vary, so it's important to consult the Kenya Revenue Authority (KRA) or a tax professional for current rates and regulations.​

Q5: How do SACCOs compare to banks in terms of returns?

SACCOs often offer higher returns on savings and share capital compared to traditional banks. For instance, some SACCOs have paid dividends up to 20%, whereas bank savings accounts typically offer lower interest rates.​

Q6: What are the risks associated with investing in SACCOs?

• While SACCOs can offer attractive returns, risks include:​
• Poor management leading to financial losses.​
• Lack of diversification in investments.​

Regulatory changes affecting operations.​It's crucial to research and choose SACCOs regulated by the SACCO Societies Regulatory Authority (SASRA) to mitigate these risks.​