Highest Dividend Paying SACCOs in Kenya 2026: The Ultimate Payout Tracker

As the 2026 financial cycle begins, savvy Kenyan investors are shifting their focus from traditional bank savings to the high-yield cooperative sector. With several major societies having already held their AGMs in late January and early February 2026, the benchmark for "profitability" has been set high.

If you are looking to buy SACCO shares or maximize your interest on deposits, this tracker identifies the societies beating inflation and bank rates this year.

1. The "20% Club": 2026’s Market Leaders

Topping the charts this year are societies that have consistently maintained double-digit growth despite a shifting economy.

• Tower SACCO: Once again, Tower SACCO returns lead the market. In their 50th AGM held in January 2026, they announced a staggering 20% dividend on share capital and 13% interest on deposits (rebates).

• Ports SACCO: Matching the top spot, Ports SACCO members are set to enjoy a 20% dividend and 12.5% interest, making it one of the most attractive listings on the Saccoshares marketplace.

2. The High-Performance Tier (16% – 19%)

These societies represent the perfect balance of massive asset growth and high member returns.

• Yetu DT SACCO: Announced a record 19% dividend on shares and 13% interest on deposits.

• Unison SACCO: Following strong 2025 performance, they declared 18.5% dividends on share capital.

• Ollin SACCO: Maintaining its status as a top-tier agricultural-based society with 17.5% dividends.

• Cosmopolitan DT SACCO: Recently announced 16.5% dividends on shares and 12.05% interest on deposits, fueled by an asset base that grew to over Ksh 13.5 billion.

3. The "Blue-Chip" Stability Tier (14% – 15%)

For those looking for long-term security in massive, SASRA-regulated institutions, these "Big 5" SACCOs remain the gold standard.

• Kenya National Police DT SACCO: Confirmed a 17% dividend on shares and 11% interest on deposits.

• Stima DT SACCO: A giant in the sector, Stima has maintained its reputation for stability with 15% dividends and 11% interest.

• Mentor SACCO: Announced 15% dividends and 12.5% interest.

• Newfortis SACCO: Declared 14% dividends and a high 13% interest on deposits, distributing over Ksh 1.1 billion to members.
  
  
  

  Summary Table: 2026 SACCO Dividend Rankings

  SACCO Name	Dividend on Shares (2026)	Interest on Deposits (2026)	Asset Status
  Tower SACCO	20%	13%	High Growth
  Ports SACCO	20%	12.5%	Very Stable
  Yetu DT SACCO	19%	13%	High Growth
  Unison SACCO	18.5%	12.6%	Growing
  Ollin SACCO	17.5%	12.2%	Consistent
  Winas SACCO	16.5%	12.5%	Stable
  Cosmopolitan	16.5%	12.05%	Growing
  Stima DT SACCO	15%	11%	Blue-Chip

  
  
  

  Why These Returns Matter for Saccoshares Users

  Because SACCO share capital is non-withdrawable, the only way to realize your profit or exit a society is to sell your shares to a new member.

  • For Buyers: Buying into a SACCO like Tower or Yetu right now means you are securing an asset that yields 3x the return of a standard bank account.

  • For Sellers: With the SASRA 176 list recently gazetted, shares in licensed, high-performing SACCOs are in peak demand. Listings for these top societies on Saccoshares are currently closing in record time.