Joining a Sacco is one of the smartest ways to grow wealth in Kenya. With our Sacco Dividends Calculator, you can quickly estimate your expected returns and decide how much to invest in share capital.
Latest Dividend Rates for Top SACCOs in Kenya
| SACCO Name | Dividend on Shares (2024) |
|---|---|
| Tower SACCO | 20.0% |
| Ports (Port DT) SACCO | 20.0% |
| Magadi SACCO | 20.0% |
| Nation SACCO | 20.0% |
| Yetu SACCO | 19.0% |
| Ollin SACCO | 17.5% |
| Winas SACCO | 16.5% |
| Cosmopolitan SACCO | 16.0% |
| Kenya Police SACCO | 17.0% |
| Hazina SACCO | 17.0% |
| Trans Nation SACCO | 15.0% |
| Solution SACCO | 15.0% |
| Mentor SACCO | 15.0% |
| Newfortis SACCO | 14.0% |
| Sheria SACCO | 16.0% |
| Safaricom SACCO | 13.0% |
| Stima SACCO | 15.0% |
NOTE: This is dividend on share capital only; many SACCOs also pay interest on non-withdrawable deposits, but that varies.
Each year, most Saccos in Kenya pay out annual dividends on share capital and sometimes interest on deposits based on their financial performance. Our free Sacco Dividends Calculator helps you estimate how much you can expect to earn based on your Sacco’s most recent dividend rates.
By simply entering your shares amount in our free SACCO dividends calculator, you can instantly see your potential earnings across various SACCOs and compare before choosing your SACCO. This makes it easier to plan your investments and compare returns across different Saccos.
Why Sacco Dividends Matter
- Higher returns than banks – Many Saccos in Kenya consistently pay dividend rates of 10–20% per year, which is higher than most fixed deposits.
- Passive income – Dividends provide a reliable annual payout for members, which can be reinvested or used as income.
- Ownership benefits – Unlike banks, Sacco members are part-owners, so dividends reflect shared prosperity.
Frequently Asked Questions
How are Sacco dividends calculated in Kenya?
Dividends are calculated based on your share capital multiplied by the declared dividend rate for that year.
Do Saccos pay dividends monthly or yearly?
Most Saccos in Kenya pay dividends once a year, usually during the Annual General Meeting (AGM).
What is the difference between dividends and interest on deposits?
Dividends are paid on share capital (ownership portion). Interest on deposits is paid on your savings contributions.
Which Sacco in Kenya pays the highest dividends?
Rates change annually, but Safaricom Sacco, Unaitas Sacco, and Kenya Police Sacco have historically paid some of the highest returns.
Are Sacco dividends taxed?
Yes, Sacco dividends are subject to withholding tax (usually 5%).
