Stima SACCO Kenya 2025: Services, Dividends, Loans & Membership Guide

Looking for a reliable SACCO in Kenya? Here’s everything you need to know about Stima SACCO in 2025 — services, loans, dividends, and how to join.

Background of Stima SACCO

Stima SACCO was founded in 1974 to serve employees in the energy sector. Today, it has grown into one of Kenya’s largest deposit-taking SACCOs, with over 150,000 members and billions in assets. It is open to anyone — not just those in the energy industry.

Why Stima SACCO Stands Out in 2025

• Strong financial base – Ranked among the largest SACCOs in Kenya by assets and deposits.
• Competitive dividends – Consistently pays attractive returns to members.
• Diverse loan products – From emergency loans to mortgages.
• Nationwide presence – Branches and service centers across Kenya.
• Digital convenience – M-Stima app and USSD code *488#.
• Open membership – Anyone above 18 years can join.

Services Offered by Stima SACCO

1. Savings Products

• Ordinary deposits
• Children’s accounts
• Fixed deposits
• Holiday and investment savings

2. Loan Products

• Development loans
• Emergency loans
• School fees loans
• Business loans
• Asset financing
• Home loans & mortgages

3. Digital Banking

• M-Stima mobile app
• USSD code *488#
• Member online portal

Dividends and Returns in 2025

Stima SACCO has a strong history of paying competitive dividends and interest on deposits. While exact rates vary, members can expect reliable returns thanks to the SACCO’s steady growth and strong financial management.

How to Join Stima SACCO

Joining is easy and open to all Kenyans above 18 years:

• Fill in a membership form (available online or at branches).
• Provide a copy of your ID, KRA PIN, and a passport photo.
• Pay the registration fee (approx. Ksh 500–1,000).
• Make minimum monthly contributions as required.

Why Choose Stima SACCO Over a Bank?

• Lower loan interest rates compared to banks.
• Higher returns on savings.
• Member ownership — you are both a customer and shareholder.
• Easier access to emergency loans.
• Community-driven cooperative model.

FAQs About Stima SACCO

Q1: Who can join Stima SACCO?

Anyone above 18 years with a valid Kenyan ID or passport can join. Membership is not limited to energy workers.

Q2: How much do I need to start?

Registration is about Ksh 500–1,000 plus monthly contributions.

Q3: Does Stima SACCO pay dividends yearly?

Yes. Members enjoy annual dividends and interest on deposits, depending on SACCO performance.

Q4: How do I access my account?

Through the M-Stima mobile app, USSD code *488#, or branch visits.

Q5: Can I get a loan immediately after joining?

Not always — you need to build savings or provide guarantors. Loan eligibility depends on contributions and duration of membership.

Final Thoughts: Stima SACCO is a reliable and transparent financial partner in 2025. With strong dividends, fair loan terms, and digital convenience, it’s one of Kenya’s top SACCOs worth joining if you want to grow your savings and access affordable credit.

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