“I have been a Stima Sacco member for over a decade and the dividends have been consistently good. Got a plot financing loan last year and the process was smooth once I had all my documents ready.”

“As a Kenyan living abroad, Stima Sacco’s diaspora services have made it possible for me to keep saving and investing back home. The M-PAWA app makes managing my account from the UK simple and stress-free.”

“Good Sacco overall with a wide range of loan products. The Eldoret branch can get busy during month-end so I try to go early. Customer care via WhatsApp is fairly responsive when I have quick questions.”

“Used the Makeover Loan to renovate my house and the terms were very reasonable compared to what I found at other institutions. Being able to buy shares and grow my savings alongside affordable credit is exactly what I needed.”

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Where is Stima Sacco head office?

Stima Sacco's head office is at Stima Sacco Plaza, Mushembi Road, Parklands, Nairobi. P.O. Box 75629-00200, Nairobi, Kenya.

How do I become a Stima Sacco member?

Complete a membership application form, attach a copy of your Kenyan National ID or valid passport, a coloured passport-size photograph, and a copy of your KRA PIN. Forms are available at any branch or downloadable from stima-sacco.com. Group membership (corporates, chamas, self-help groups) requires additional documentation including meeting minutes and a group constitution.

How do I deposit money into my Stima Sacco account via M-PESA?

Go to Lipa na M-Pesa, select Pay Bill, and use Paybill 823244. For Monthly Deposit, enter 802xxxxxxx00 (where xxxxxxx is your 7-digit member number). For Shares Capital, enter 800xxxxxxx00. For deposits into your Prime account, enter 801xxxxxxx00.

Is Stima Sacco the largest Sacco in Kenya?

Yes. Stima Sacco is recognised as Kenya's largest Sacco and the second-largest in Africa by asset base, having recently celebrated its 50th anniversary of serving members.

Does Stima Sacco offer services for Kenyans living abroad?

Yes. Stima Sacco has dedicated Diaspora Services allowing Kenyans living and working abroad to save, invest, and access credit facilities remotely, supported by the M-PAWA mobile app and online account management.

How many branches does Stima Sacco have?

Stima Sacco operates 9 branches across Kenya, including Nairobi (Parklands HQ, CBD, and South C/Kawi Centre), Mombasa, Kisumu, Nakuru, Eldoret, Olkaria (Naivasha), Embu, and Meru.