SACCOs With the Highest Dividends in 2026 [as Announced so Far]

SACCOs continue to attract Kenyans looking for higher yet relatively stable returns on their savings and capital investments. From mid-January, co-operative societies across the country began releasing their financial results for the year ended December 31, 2025, offering insight into their performance. 

The reports also detail the dividends paid to members and the interest earned on non-withdrawable deposits, giving savers a clearer picture of potential returns.

‍Money254.co.ke will be monitoring the SACCO announcements and updating the lists regularly as they are announced. 

Here is the list of the credit unions that have announced their dividends so far.

Also read: List of Top 56 Saccos By Their Assets and Deposits in 2025

Tower SACCO Society Limited

The SACCO was founded in 1976 by a group of primary school teachers in Ol’Kalou. The SACCO has a membership exceeding 250,000 and has an asset base of over Ksh20 billion. 

The SACCO has 29 outlets across eight counties, supported by more than 300 agents.

For the 2025 Financial Year, Tower SACCO announced 20% dividends on share capital and 13% interest on deposits.

According to the SACCO, its members are set to pocket over Ksh2.88 billion.

At the end of 2025, the total assets stood at Ksh34.6 billion, while its loans and advances stood at Ksh25.2 billion. Its total revenue stood at Ksh5.28 billion.

Cosmopolitan DT SACCO

Founded in 1977, Cosmopolitan Sacco has served its members for over 46 years. Originally established by teachers under the name Nakuru Teachers Sacco, the Sacco focused on mobilising savings to create a sustainable pool of funds from which members could borrow at fair and reasonable rates.  

In 2012, the Sacco rebranded to Cosmopolitan Sacco and expanded its common bond to welcome members from other sectors, broadening its membership beyond the teaching fraternity.

Based on their performance in 2025, the SACCO announced a 16.50% dividends on share capital. The members of SACCOs will earn an interest of 12.05% on the deposits.

At the end of December 2025, the assets of the SACCO grew to Ksh13.5 billion from Ksh11.6 billion reported in December 2024.

Members' deposits at the end of December 2025 stood at Ksh10.3 billion.

Also Read: 6 Things to Expect as a SACCO Investor in 2026

Newfortis Sacco

Newfortis Savings and Credit Co-operative Society was established in 1976 with an initial membership of 857 drawn from the teaching fraternity, including primary, secondary, and tertiary institutions.

On January 24, the SACCO announced a payout of Ksh1.1 billion for its members. The payout includes 14% dividends on share capital.

Depositors will earn an interest of 13%.

At the end of 2025, the membership of the SACCO stood at 25,452. The deposits at the SACCO stood at Ksh9.98 billion, with the assets standing at Ksh13.07 billion.

The SACCO reported issuing Ksh10.41 billion loans.

Mwalimu SACCO announced a 13% dividend on share capital and 10.05% interest on deposits even as its total assets hit Ksh76.3 billion.

Stima SACCO announced its payout for dividends on shares at 16% and interest on deposits at 11%. Its total assets stood at Ksh75 billion while loans advanced to members hit Ksh52 billion at the end of the 2025 financial year.

Kenya National Police DT SACCO announced a dividend of members' share capital at 17% and interest rate for members' deposits at 11%

Hazina SACCO announced a return of 17% for dividends and 10.75% interest for deposits.

‍Ports Sacco announced a return to members with dividends at 20% and as 12.5% interest on SACCO deposits.

Yetu DT SACCO Limited announced a return of 19% for dividends and 13% interest for deposits.

Winas SACCO: Dividends on shares at 16.5% and interest on deposits at 12.5%.

Trans Nation SACCO: Dividends on shares at 15% and interest on deposits at 12.5%.

Mentor SACCO: Dividends on shares at 15% and interest on deposits at 12.5%.

Capital SACCO: Dividends on shares at 16% and interest on deposits at 9%.

Ollin SACCO: Dividends on shares at 17.5% and interest on deposits at 12.2%.

Simba Chai SACCO: Dividends on shares at 15% and interest on deposits at 11%.

Unison SACCO - Dividends on shares at 18.5% and interest on deposits at 12.6%.

Suluhu DT SACCO - Dividends on shares at 17% and interest on deposits at 11.8%.

Nation DT SACCO - Dividends on shares at 18% and interest on deposits at 10%.

Nawiri SACCO - Dividends on shares at 15% and interest on deposits at 15%.

Shirika DT SACCO - Dividends on shares at 10% and interest on deposits at 10.5%.

Boresha DT SACCO - Dividends on shares at 13% and interest on deposits at 9.5%.

Imarisha SACCO - Dividends on shares at 15.01% and interest on deposits at 10.5%.

Daima SACCO - Dividends on shares at 15% and interest on deposits at 10%.

Gusii Mwalimu SACCO - Dividends on shares at 16% and interest on deposits at 11%.

Centenary Sacco Society Ltd - Dividends on shares at 12% and interest on deposits at 10%.

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More SACCO updates to follow...