In Kenya, SACCOs (Savings and Credit Cooperative Organizations) are classified into two main types:
ADVERTISEMENT
- Deposit‑taking SACCOs (DT‑SACCOs) — They offer withdrawable savings accounts via Front Office Services (FOSA).
- Non-withdrawable deposit‑taking SACCOs (Non‑WDT‑SACCOs) — They collect members’ deposits that are not withdrawable until a member exits. These operate through Back Office Services (BOSA) and were incorporated under SASRA’s Non‑Deposit‑Taking SACCO Regulations, 2020, enforced from 1 January 2021.
Key Differences Between DT and Non‑WDT SACCOs
| Feature | DT‑SACCOs | Non‑WDT‑SACCOs |
|---|---|---|
| Withdrawable savings | Yes (FOSA) | No |
| Deposit withdrawal access | Anytime | Only upon exit |
| Deposit use | Savings & credit provision | Collateral for loans |
| SASRA regulation | Licensed DT‑SACCO business | Licensed Non‑DT (BOSA) business |
Current Status (as of 2025)
- 178 deposit‑taking SACCOs are licensed by SASRA to offer withdrawable savings services.
- 177 non‑withdrawable deposit‑taking SACCOs are authorised to operate according to the 2020 Non‑Deposit‑Taking Regulations
List of Non‑Withdrawable Deposit‑Taking SACCOs (2025)
| Sacco | Head Office | |
| 1 | 3N Regulated Non-WDT-Sacco | Sera Center, Naivasha |
| 2 | ABC Empowerment Regulated Non-WDT-Sacco | ABC Imani Plaza II, Machakos |
| 3 | Accel Regulated Non-WDT-Sacco | Ola Energy Plaza, Muthaiga, Nairobi |
| 4 | ACK Kihara Regulated Non-WDT-Sacco | Kiambaa/Kihara/ 7/178, Gachie |
| 5 | ACK Thika Talents Regulated Non-WDT-Sacco | ACK St. Andrews Cathedral, Thika |
| 6 | Adventist Regulated Non-WDT-Sacco | SDA Central Kenya Conference, Red Hill Road, Nairobi |
| 7 | AIBK Regulated Non-WDT-Sacco | Development House, Moi Avenue |
| 8 | Airlink Regulated Non-WDT-Sacco | Jomo Kenyatta International Airport (JKIA), Nairobi |
| 9 | Alarms Regulated Non-WDT-Sacco | Behind Housing Finance, Moi Avenue, Mvita |
| 10 | AMREF Regulated Non-WDT-Sacco | AMREF Building, Nairobi |
| 11 | Appollosure Regulated Non-WDT-Sacco | Apollo Centre, Ring Rd Parklands |
| 12 | Ballot Regulated Non-WDT-Sacco | Anniversary Towers 21st Floor, Nairobi CBD |
| 13 | Balozi Regulated Non-WDT-Sacco | Golf View Suites Muthaiga Off Wambui Road, Nairobi |
| 14 | Bamburi Wananchi Regulated Non-WDT- Sacco | Bamburi Cement Plc Staff Quarters,Mombasa |
| 15 | Bands Regulated Non-WDT-Sacco | Britam Centre, Upper Hill |
| 16 | Banki Kuu Regulated Non-WDT-Sacco | Central Bank of Kenya Headquarters, Nairobi CBD |
| 17 | Barabara Regulated Non-WDT-Sacco | Barabara Plaza, Mombasa Road, Nairobi |
| 18 | Baraka Yetu Regulated Non-WDT-Sacco | Nacico Plaza, Ladhies Road, Nairobi |
| 19 | BAT Regulated Non-WDT-Sacco | BAT Premises, Industrial Area |
| 20 | Besco Regulated Non-WDT-Sacco | Bidco Factory Premises, Thika |
| 21 | Bestrock Regulated Non-WDT-Sacco | Winlo Complex Building, Kitui Town |
| 22 | Biblia Regulated Non-WDT-Sacco | Kamirembe Place, Ring Road Kilimani, Nairobi |
| 23 | Blue Eagle Regulated Non-WDT-Sacco | Bishop Gate, Upper Hill |
| 24 | Braemeg Regulated Non-WDT-Sacco | Polla House, Gitanga Road, Kawangware |
| 25 | Brookside Regulated Non-WDT-Sacco | Brookside Dairy LIMITED, Thika Road,Ruiru |
| 26 | Bunge Regulated Non-WDT-Sacco | Imani House, Parliament Road, Nairobi CBD |
| 27 | Bunista Regulated Non-WDT-Sacco | Jaramogi Oginga Odinga University OfScience And Technology, Bondo Town |
| 28 | CDF Regulated Non-WDT-Sacco | La Coline Gardens, Masaba Road, Upper Hill |
| 29 | CFAO Regulated Non-WDT-Sacco | Yamaha Building, CFAO Motors Limited Premises Nairobi |
| 30 | Christian Enterpreneurs Regulated Non- WDT-Sacco | Mapa House, Ruiru |
| 31 | CIC Regulated Non-WDT-Sacco | CIC Plaza 1, 2nd Floor Upper Hill |
| 32 | COCOTECH Regulated Non-WDT-Sacco | Fameco Building, Magadi Road, Langata |
| 33 | Communication Regulated Non-WDT-Sacco | Communication Authority Centre, Westlands |
| 34 | Concorde Regulated Non-WDT-Sacco | Centenary House, Westlands |
| 35 | Co-operative Bank Regulated Non-WDT- Sacco | Co-Op Bank House, Nairobi CBD |
| 36 | Cotts Regulated Non-WDT-Sacco | Mitchell Cotts Freight Kenya Building,Shimanzi |
| 37 | Davis & Shirtliff Regulated Non-WDT-Sacco | Davis & Shirtliff Building, Dundori Road,Industrial Area |
| 38 | Devco Regulated Non-WDT-Sacco | KMA Building 7th Floor, Mara Road Upper Hill |
| 39 | Dhamini Regulated Non-WDT-Sacco | ACK Parking Silo, Bishop Road, Westlands |
| 40 | Digital Media Regulated Non-WDT-Sacco | 2nd Floor, Red Commercial Complex,Embakasi South |
| 41 | Dudu Regulated Non-WDT-Sacco | TRO Conference Building, ICIPE, Kasarani |
| 42 | Eagle’s Eye Regulated Non-WDT-Sacco | Christian Church International – Garissa Road, Thika |
| 43 | Embassava Regulated Non-WDT-Sacco | Jiwabhai Vekaria Building, Taveta Road, Nairobi CBD |
| 44 | Energy Regulated Non-WDT-Sacco | Kawi Complex Block A, South C |
| 45 | EPZA Regulated Non-WDT-Sacco | EPZ – Athi River |
| 46 | Equity Regulated Non-WDT-Sacco | Equity Centre, Upper Hill |
| 47 | Esta Regulated Non-WDT-Sacco | Kakuzi Plc Athara Office Makuyu, Muranga |
| 48 | Exams Regulated Non-WDT-Sacco | New Mitihani House, Popo Road, South C |
| 49 | Family Regulated Non-WDT-Sacco | 10th Family Bank Towers, Nairobi CBD |
| 50 | Farmers Choice Regulated Non-WDT- Sacco | Cemtek Building, Kahawa West, Area |
| 51 | Faulu Bank Regulated Non-WDT-Sacco | Faulu Microfinance Bank Building, Off Ngong Road, Nairobi |
| 52 | Finnlemm Regulated Non-WDT-Sacco | Finnlemm House, 55 Gatundu Road,Kileleshwa, Nairobi |
| 53 | Forward Travellers Regulated Non-WDT- Sacco | Kayole Area, Nairobi |
| 54 | Fugo Regulated Non-WDT-Sacco | Full Gospel Churches of Kenya, AlongManyanja Road |
| 55 | Gathers Regulated Non-WDT-Sacco | Gatundu Housing Coop House, Gatundu Town |
| 56 | Global Express Regulated Non-WDT-Sacco | DHL House, Witu Road Off Lusaka Road,Industrial Area |
| 57 | Grain Bulk Regulated Non-WDT-Sacco | Grain Bulk Terminal Office Building,Shimanzi, Mombasa |
| 58 | Grand Granite Diaspora Regulated Non-WDT Sacco | KMA APT, Block A, Suite 2.2, ChyuluRoad, Upper Hill |
| 59 | Green Aro Community Regulated Non- WDT-Sacco | Sacco House, Market-Dispensary Road, Siaya |
| 60 | Haco Regulated Non-WDT-Sacco | Kasarani Mwiki Road, |
| 61 | Heart Regulated Non-WDT-Sacco | Tana House, Karen Shopping Centre, Nairobi |
| 62 | HELB Regulated Non-WDT-Sacco | Anniversary Towers, Nairobi CBD |
| 63 | Hills Regulated Non-WDT-Sacco | Siret O.E.P Plaza, KCB Street, Nandi Hills |
| 64 | Hoechem Regulated Non-WDT-Sacco | Highchem Complex, Mogadishu Road, Industrial Area, Nairobi |
| 65 | Hyperflora Regulated Non-WDT-Sacco | Kangaita Farm, Nanyuki |
| 66 | ICEA Agents Regulated Non-WDT-Sacco | Nairobi West, Kodi Road House No. 24, Nairobi |
| 67 | Irrigation Regulated Non-WDT-Sacco | Irrigation House, Lenana Road, Kilimani Area, Nairobi |
| 68 | Jachin Regulated Non-WDT-Sacco | Hadada Apartments, Kindaruma Road, Off Ngong Road |
| 69 | Java Regulated Non-WDT-Sacco | ABC Place, Waiyaki Way, Westlands, Nairobi |
| 70 | Jumuia Ya Ulaya Regulated Non-WDT-Sacco | Dunhill Towers, 20th Floor, Waiyaki Way, Westlands, Nairobi |
| 71 | Kabarak University Regulated Non-WDT- Sacco | Students Centre, Kabarak University |
| 72 | KAG Regulated Non-WDT-Sacco | KAG East University, Buruburu Estate, Nairobi |
| 73 | Kanisa Regulated Non-WDT-Sacco | AACC Compound, Waiyaki Way, Westlands |
| 74 | KASNEB Regulated Non-WDT-Sacco | KASNEB Towers, Upper Hill, Nairobi |
| 75 | KEMRI Regulated Non-WDT-Sacco | KEMRI Visiting Scientists Quarters,Mbagathi Road |
| 76 | Kenchic Regulated Non-WDT-Sacco | Exsan House Building, Industrial Area |
| 77 | Kenred Regulated Non-WDT-Sacco | Kenya Red Cross Building, South C, Nairobi |
| 78 | Kentours Regulated Non-WDT-Sacco | Commodore Office Suites, Kindaruma Road, Kilimani, Nairobi |
| 79 | Kenya – USA Diaspora Regulated Non- WDT-Sacco | Crescent Business Centre, Parklands Area |
| 80 | Kenya Medical Association Regulated Non-WDT-Sacco | KMA Centre, Upper Hill, Nairobi |
| 81 | Kenya Re Regulated Non-WDT-Sacco | Re-insurance Plaza, Nairobi CBD |
| 82 | Kenya Rural Roads Regulated Non-WDT- Sacco | Barabara Plaza, Airport South Road, JKIA |
| 83 | Kenyatta Matibabu Regulated Non-WDT- Sacco | Flamingo Towers, Along Mara Road, Upper Hill |
| 84 | Ketepa Regulated Non-WDT-Sacco | Ketepa Head Office, Brooke House, Kericho Town |
| 85 | Kewisco Regulated Non-WDT-Sacco | West End Place, Nairobi West |
| 86 | Kiambu Chania Umoja Regulated Non- WDT-Sacco | Thika Stadium, Thika |
| 87 | Kiatu Regulated Non-WDT-Sacco | Bata Shoe Premises, Limuru Town |
| 88 | Kico Regulated Non-WDT-Sacco | Bruce House, Standard Street |
| 89 | KIDAPU Regulated Non-WDT-Sacco | Kikinga House Annex,6th Floor, Kiambu Town |
| 90 | Kijabe Regulated Non-WDT-Sacco | AIC Kijabe Hospital, Kijabe |
| 91 | Kilele Regulated Non-WDT-Sacco | KUSCCO Centre, Along KilimanjaroAvenue, Upper Hill, Nairobi |
| 92 | Kimtech Regulated Non-WDT-Sacco | Dedan Kimathi University of Technology Premises, Resource Centre, Nyeri Town |
| 93 | Kinga Regulated Non-WDT-Sacco | Jumuia Place, Kilimani, Nairobi |
| 94 | Kingsize Regulated Non-WDT-Sacco | Nairobi Bottlers Premises, North Airport Road, Nairobi |
| 95 | Kirungii Regulated Non-WDT-Sacco | Deloitte Place, Waiyaki Way, Muthangari Road, Nairobi |
| 96 | Kumbukumbu Regulated Non-WDT- Sacco | Kipande Road, Museum Hill, Nairobi |
| 97 | Kutafiti Regulated Non-WDT-Sacco | KWTRP Transport Office, Kilifi |
| 98 | Law Society of Kenya Regulated Non-WDT-Sacco | Crawford Business Park, Statehouse Road, Nairobi |
| 99 | Limlak Regulated Non-WDT-Sacco | Ushirika Building, Limuru Town |
| 100 | Lompasago Regulated Non-WDT-Sacco | Theevan Building, Jogoo Road |
| 101 | London Regulated Non-WDT-Sacco | London Distillers Premises, Athi River |
| 102 | Madison Regulated Non-WDT-Sacco | Madison House, Upper Hill |
| 103 | Majanees Regulated Non-WDT-Sacco | Mabroukie Tea Factory, Nazareth Road – Limuru |
| 104 | Maktaba Regulated Non-WDT-Sacco | Maktaba Kuu Building, Ngong Road |
| 105 | Maridhawa Regulated Non-WDT-Sacco | UAP – Old Mutual Tower, Upper Hill |
| 106 | Masterways Regulated Non-WDT-Sacco | Old Mutual Building, Kimathi Street, Nairobi CBD |
| 107 | Mataara Travellers Regulated Non-WDT- Sacco | Kihanya Building, Thika |
| 108 | Mikebe Regulated Non-WDT-Sacco | Nampak Building, Thika |
| 109 | Minet Regulated Non-WDT-Sacco | Minet House, Along Professional Way – Off Nyerere Road, Nairobi |
| 110 | Mkombozi Regulated Non-WDT-Sacco | Alpha Centre, Godown No-85, AlongMombasa Road |
| 111 | Mofaa Regulated Non-WDT-Sacco | Jeda Plaza, Roysambu |
| 112 | Mount Kenya University Regulated Non- WDT-Sacco | Sacco Centre, General Kago, Thika |
| 113 | MTN Regulated Non-WDT-Sacco | Oluoch Building, Manyeki Road, Muranga Town |
| 114 | Mzima Springs Regulated Non-WDT-Sacco | Student Center Building, StrathmoreUniversity |
| 115 | Nairobi Consumers Regulated Non-WDT- Sacco | New Nafuu Classic Building, Popo Road, Gikomba |
| 116 | Nairobi Water Regulated Non-WDT- Sacco | Garden Chambers, Moktar Dadah Street, Nairobi |
| 117 | Nendeni Regulated Non-WDT-Sacco | PCEA Kitengela Township Church Building, Kitengela |
| 118 | Neno Regulated Non-WDT-Sacco | Pearl Centre House, S.N. Patel Street, Embu Town |
| 119 | Network Regulated Non-WDT-Sacco | Standard Group Center, Mombasa Road |
| 120 | Nimepata Regulated Non-WDT-Sacco | International Leadership University, Mtito Andei Road, Westlands |
| 121 | Nyumba – Nairobi Regulated Non-WDT- Sacco | Applewood Adams, Ngong Road, Nairobi |
| 122 | Nyumba Generations Regulated Non- WDT-Sacco | Corrugated Sheets Limited- Mikindani, Mombasa |
| 123 | Olkaunsel Regulated Non-WDT-Sacco | Kajiado County Assembly Building, Kajiado Town |
| 124 | Panda Regulated Non-WDT-Sacco | Flower Business Park, Along Nairobi-Nakuru Highway, Naivasha |
| 125 | Parents Plan Regulated Non-WDT-Sacco | Methodist Ministries Centre, Block C,Lavington, Nairobi |
| 126 | Parliamentarians Regulated Non-WDT- Sacco | Protection House Building, Nairobi |
| 127 | PCEA Kayole Regulated Non-WDT-Sacco | PCEA Kayole Church, Spine Road, Nairobi |
| 128 | PCEA Makupa Parish Regulated Non- WDT-Sacco | PCEA Makupa Church, Off Tom Mboya Street, Mombasa |
| 129 | PCEA Regulated Non-WDT-Sacco | PCEA Jitegemea House, Along Muhoho Avenue, South C, Nairobi |
| 130 | PCEA Ruiru Regulated Non-WDT-Sacco | PCEA Ruiru Town Plaza Building, Ruiru Town |
| 131 | PEFA Nairobi Central Regulated Non- WDT-Sacco | Solar House 3rd Floor, Harambee Avenue, Nairobi |
| 132 | PESA Regulated Non-WDT-Sacco | Mountain Mall, Along Thika Road Nairobi |
| 133 | Polytech Regulated Non-WDT-Sacco | Technical University of Kenya, HaileSelassie Avenue, Nairobi |
| 134 | Postbank Regulated Non-WDT-Sacco | Postbank House, Banda Street, Nairobi |
| 135 | Queensway Regulated Non-WDT-Sacco | Ojijo Plaza, Off Ojijo, Nairobi |
| 136 | Radio Guard Regulated Non-WDT-Sacco | NACICO Plaza, Landhies Road, Nairobi |
| 137 | Rambhai Regulated Non-WDT-Sacco | Theevan House, Jogoo Road, City Stadium, Nairobi |
| 138 | Ramco Group Regulated Non-WDT- Sacco | KCB Building, Enterprise Road, Industrial Area |
| 139 | Reli Regulated Non-WDT-Sacco | Reli Sacco, Workshop Road, Nairobi |
| 140 | Relief Regulated Non-WDT-Sacco | International Committee of the Red Cross Offices, Nairobi |
| 141 | Rembo Shuttle Regulated Non-WDT- Sacco | Red Heron Centre, Nairobi-Namanga Road, Kitengela |
| 142 | Royal Media Regulated Non-WDT-Sacco | Communication Centre, Maalim Juma Road, Nairobi |
| 143 | Rubani Regulated Non-WDT-Sacco | Rubani House, Nairobi |
| 144 | Sauti Regulated Non-WDT-Sacco | Sauti Office, Kapiti Road, Nairobi |
| 145 | Sawa Regulated Non-WDT-Sacco | WestPark Suites, Ojijo Road, Westlands |
| 146 | Shamiri Regulated Non-WDT-Sacco | MTRH, Memorial Wing, Eldoret |
| 147 | Shelloyees Regulated Non-WDT-Sacco | Vienna Court, State House Crescent Road, Nairobi |
| 148 | Sisi Kwa Sisi Regulated Non-WDT-Sacco | Pandya Memorial Hospital, Mombasa |
| 149 | Smart Savers Regulated Non-WDT-Sacco | Isuzu East Africa Premises, Nairobi |
| 150 | Stoke – UK Diaspora Regulated Non- WDT-Sacco | Sinkeed Arcade,Kitengela, |
| 151 | Taa Regulated Non-WDT-Sacco | Finance House, Nairobi CBD |
| 152 | Tetra Pak Regulated Non-WDT-Sacco | SMK Building, Industrial Area, EnterpriseRoad, Nairobi |
| 153 | The Standard Regulated Non-WDT-Sacco | The Standard Group Centre, Nairobi |
| 154 | Torch Regulated Non-WDT-Sacco | Kenya Petroleum Refineries Premises, Changamwe |
| 155 | Total Regulated Non-WDT-Sacco | Regal Plaza, 2nd Floor West Wing, Nairobi |
| 156 | Tramom Regulated Non-WDT-Sacco | Dynamic Building, Old Mombasa Road, Changamwe |
| 157 | Transglob Regulated Non-WDT-Sacco | Acceler Towers, Nairobi |
| 158 | Transwest Regulated Non-WDT-Sacco | Ebby Towers, Kitale |
| 159 | Uaminifu Regulated Non-WDT-Sacco | KWFT Centre, Kiambere Road, Upper Hill |
| 160 | Ubora Regulated Non-WDT-Sacco | KEBS Headquarters, Popo Road, Nairobi |
| 161 | Ukaguzi Regulated Non-WDT-Sacco | Anniversary Towers, Nairobi |
| 162 | Ukombozi Regulated Non-WDT-Sacco | Deliverance Church, Kariba Street, Nakuru |
| 163 | Unbound Regulated Non-WDT-Sacco | Mountain view, House 97, Kangemi Area, Nairobi |
| 164 | Unga Regulated Non-WDT-Sacco | Ngano House, Industrial Area |
| 165 | Unifying Regulated Non-WDT-Sacco | Mustard Seed Mall, Along Waiyaki Way, Uthiru |
| 166 | United Women Regulated Non-WDT- Sacco | Green House Mall, Adams Arcade, Nairobi |
| 167 | Uokoaji Regulated Non-WDT-Sacco | Commodore Office Suites, Suite 4c, Nairobi |
| 168 | USIU-Africa Regulated Non-WDT-Sacco | USIU, Maintenance Yard, Nairobi |
| 169 | Utabibu Regulated Non-WDT-Sacco | Doctors’ Park, 4th Floor, Parklands Avenue Nairobi |
| 170 | Utafiti Regulated Non-WDT-Sacco | ILRI Campus, Nairobi |
| 171 | Uwezo Regulated Non-WDT-Sacco | Crown Paints, Likoni Road, Nairobi |
| 172 | Vegpro Regulated Non-WDT-Sacco | Jomo Kenyatta International Airport, CargoVillage, Nairobi |
| 173 | Verona Huruma Regulated Non-WDT- Sacco | Holy Trinity Catholic Church, Kariobangi Area, Nairobi |
| 174 | Vision Regulated Non-WDT-Sacco | World Vision Complex, Karen Road, Nairobi |
| 175 | Wasado Regulated Non-WDT-Sacco | KCB Building Industrial Area, 3rd Floor, Nairobi |
| 176 | Waskom Regulated Non-WDT-Sacco | Blue House, Kangundo Road, Nairobi |
| 177 | Zoghori Regulated Non-WDT-Sacco | Tilu Bilu Building, Digo Road, Mombasa |
Why SASRA Regulation Matters
- Member protection: Ensures SACCOs managing members’ savings (even as collateral) are supervised.
- Institutional transparency: Authorised SACCOs must adhere to capital adequacy and governance standards .
- Public assurance: SASRA’s regulations promote trust in SACCO operations, reducing risks of unscrupulous actors .
READ MORE: List of Licensed Deposit‑Taking SACCOs in Kenya (2025)
