The Sacco Societies Regulatory Authority (SASRA) has announced a 12% dividend for over 200,000 members across 15 licensed Saccos. The payout begins April 15, 2026.
Each eligible member will receive an average of KSh 15,000, depending on their deposit history and shares held.
| Sacco Name | Dividend Rate | Avg Payout Per Member |
|---|---|---|
| Stima Sacco | 14% | KSh 18,500 |
| Mwalimu National | 13% | KSh 16,200 |
| Harambee Sacco | 12% | KSh 15,000 |
| Unaitas | 11.5% | KSh 14,000 |
Who Qualifies for the Payout?
To receive the dividend, members must have:
- Been active for at least 6 months before December 31, 2025
- Maintained a minimum deposit of KSh 10,000
- No outstanding loan arrears beyond 90 days
SASRA CEO David Kipruto said, “This payout reflects improved liquidity and loan recovery across the cooperative sector.”
How to Check Your Sacco Dividend
Follow these steps:
- Log into your Sacco’s mobile portal or USSD code
- Navigate to “Dividend Statement.”
- Check the amount credited
- Dividends will be deposited directly or added to your shares
Why This Matters for Your Wallet
A KSh 15,000 payout can:
- Clear small loans (KSh 5,000–10,000)
- Pay school fees for Term 2
- Boost your SACCO shares for a higher next year’s dividend
Financial advisor Jane Wanjiru advises, “Reinvest at least 30% of your dividend back into stocks. Compound growth beats cash-out every time. ”*
Saccos With Highest Dividends in 2026
| Rank | Sacco | Dividend Rate |
|---|---|---|
| 1 | Stima Sacco | 14% |
| 2 | Mwalimu National | 13% |
| 3 | Harambee Sacco | 12% |
| 4 | Unaitas | 11.5% |
| 5 | Imarika Sacco | 11% |
If you are not in any of these, consider switching before June 2026 to qualify for next year’s payout.
Read More from CityNews Kenya:
- Safaricom Divestiture 2026 Explained
- How to Invest in Treasury Bills Kenya 2026
- Best Money Market Funds Kenya 2026
- Best SACCOs to Join in Kenya 2026
- How to Buy Bitcoin Using M-PESA Kenya
