SACCOs remain one of the most trusted ways to grow wealth in Kenya. They allow members to save consistently, access SACCO loans in Kenya at lower interest rates, and enjoy annual returns through SACCO dividends in Kenya.
Many Kenyans are always looking for the highest paying SACCOs in Kenya with the best dividends, not only as savings vehicles but also as smart wealth-building tools.According to SASRA, licensed SACCOs paid out over Ksh 18 billion in dividends in 2024.
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Joining a SACCO in Kenya is not just about saving — it’s about wealth building. The best SACCOs for dividends in Kenya are those that combine strong governance, steady growth, and consistent payouts to members.
If you’re wondering which options to trust this year, we’ve reviewed the top SACCOs with high dividends in Kenya, including comparisons of their payout rates.
Top SACCOs in Kenya With the Best Dividends 2025
Stima SACCO
Stima SACCO is among the largest deposit-taking SACCOs in Kenya with over 177,000 members. In 2024, it paid a 15% dividend on share capital and 11% interest on deposits, making it one of the most profitable SACCOs to join. Members also enjoy access to affordable loans.
Mwalimu National SACCO
As the biggest teachers’ SACCO in East Africa, Mwalimu SACCO has remained reliable. In 2024, it declared a 13% dividend payout, positioning itself as one of the top choices for professionals looking to grow their savings.
Kenya Police SACCO
With over 70,000 members, Kenya Police SACCO has consistently offered some of the best returns. In 2024, it declared 12% dividends on share capital, which is above the average Kenya SACCO dividends rate.
Safaricom SACCO
This SACCO has grown rapidly thanks to its corporate membership base. In 2024, Safaricom SACCO paid 14% dividends and continues to rank among the highest dividend-paying SACCOs in Kenya.
Hazina SACCO
Hazina SACCO has attracted civil servants and private employees alike. In 2024, members received 12.5% dividends on share capital and 10% interest on deposits, making it one of the best SACCOs in Kenya today.
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SACCO Dividend Comparison Table
SACCO dividends are a major attraction for Kenyan investors. When you invest in shares within a SACCO, your annual returns are calculated based on the surplus generated.
Unlike banks, SACCOs distribute these earnings directly back to members. This makes it critical to evaluate SACCO dividend rates in Kenya before joining one.
For instance, while some SACCOs pay dividends above 15%, others may fall below 10%, making a big difference in wealth accumulation over time. The following are the SACCOs that have consistently ranked high in dividend rates.
| SACCO | Dividend Rate 2024 | Interest on Deposits | Membership Size | Notes |
|---|---|---|---|---|
| Stima SACCO | 15% | 11% | 177,000+ | Strong growth, steady payouts |
| Mwalimu National SACCO | 13% | 10% | 90,000+ | Reliable for teachers |
| Kenya Police SACCO | 12% | 9% | 70,000+ | Consistent high returns |
| Safaricom SACCO | 14% | 11% | 15,000+ | High growth, corporate backing |
| Hazina SACCO | 12.5% | 10% | 60,000+ | Popular with civil servants |
How to Choose the Best SACCO for Dividends in Kenya
Selecting the right SACCO goes beyond just looking at the current year’s payout. You need to consider membership size, governance, lending policies, and long-term sustainability.
Before joining, ask about SACCO interest on deposits, loan rates, and withdrawal policies. Also, confirm that the SACCO is registered and licensed by SASRA, which regulates deposit-taking SACCOs in Kenya.
👉 Check out our Free SACCO Dividends calculator to estimate your annual savings
Which SACCO gives the highest dividends in Kenya 2025?
Stima SACCO currently leads with a 15% dividend payout, making it one of the most profitable SACCOs in Kenya in 2025.
How do I calculate SACCO dividends in Kenya?
Dividends are calculated based on your shareholding and the rate declared during the AGM. You can use an online SACCO dividend calculator or check your annual statements.
What is the average SACCO dividend rate in Kenya 2025?
The average payout across most SACCOs in 2025 ranges between 10% and 13%, though some high-performing SACCOs exceed 14%.
Is it better to invest in SACCOs or banks in Kenya?
SACCOs often give higher returns through dividends and lower loan rates compared to banks. However, banks offer more liquidity and diverse investment products. Many Kenyans use both to balance their portfolios.
Are SACCOs in Kenya safe for investment?
Yes, provided they are licensed by SASRA. Always check the SACCO’s financial reports and compliance status before joining.
Final Thoughts
SACCOs remain some of the most rewarding investment options in Kenya. With dividend rates ranging from 10% to 15%, they outperform most savings accounts and fixed deposit rates in banks.
Whether you are a teacher, civil servant, police officer, or corporate employee, joining the best dividend-paying SACCOs in Kenya in 2025 can significantly boost your financial growth.
