“The secret of change is to focus all your energy not on fighting the old but on building the new.”

Stima DT Savings and Credit Cooperative Society Limited (Stima Sacco) was established in 1974 to serve employees of the then East African Power & Lighting Company.  There have been several developments since then, such as Stima Sacco upgrading to a Deposit Taking Sacco, hence the name Stima DT Sacco, and open membership to all Kenyans among other key improvements.

Stima DT Savings and Credit Cooperative Society Limited (Stima DT Sacco) is a leading, country-wide, fast growing, and licensed DTS (Deposit Taking Sacco) with an Asset Base of Kshs. 46bn, Deposits of over Kshs. 34bn, Loan Book of over 36bn and membership of over 154,000 derived from the energy, utilities, education, services, diaspora, individuals, groups/ Chamas, small and micro enterprises (SMEs) among other sectors.



Our key priority in the 2019-2024 Strategic Plan is to transform our business model and grow through innovative products, unparalleled customer service, aggressive resource mobilization, and expanded distribution channels. The plan aims to advance sustainable growth through sound governance and by observing and implementing  the cooperative & operative principles. The pillars of this plan are business growth & brand equity, member value creation, and capital & financial sustainability.


1ST Deposit Taking Sacco to be licensed by Sasra and holds license number one
1ST Sacco to launch Instant ATM service
1ST Sacco to introduce Mobile Banking service
1ST Sacco to offer cheque truncation service
1ST conventional Sacco to launch a Shariah compliant product line
Introduced agency banking outlets

remittance options


  • Customer downloads app pesadirect or visits www.pesadirect.com
  • https://play.google.com/store/apps/details?id=com.pesadirect.app
  • https://apps.apple.com/us/app/pesadirect/id1544980130
  • After installing the app, enter the amount to Send and click “continue”
  • Click “Sign Up” or login if you had previously registered on Pesadirect.com
  • Sign up as a new user
  • Select Receive Method as “Bank or Sacco Deposit”. Click “Add new Bank or Sacco”
  • Select Stima Sacco from the list
  • Enter your Stima Sacco Account Number 802*******00, and click “Add Bank or Sacco”
  • Add your method of payment (Debit Card preferred)
  • Review order information, and if OK, click “confirm”
  • Your Transaction is Complete! You may download the receipt for your records


Bank details to use

  • Account name: Stima Sacco Society
  • Account number: 01120069062600
  • Bank: Cooperative Bank
  • Branch: Stima Plaza Branch
  • Swift Code: KCOOKENA
  • Branch Code: 11035


Members with mpesa access can send directly using the Paybill options below.

Deposit using Mpesa

  • You need to be an M-PESA registered customer
  • Go to M-PESA on your phone menu
  • Select Payment Services/ Lipa na M-Pesa
  • Select Pay Bill Enter 823244

For Monthly Deposit, enter 802xxxxxxx00, where xxxxxxx is your member number.

For shares Capital, enter 800xxxxxxx00, where xxxxxxx is your Member number.

For Deposit into Prime a/c enter 801xxxxxxx00, where xxxxxxx is your member number.

NB: Your membership number ought to be seven digits.

  • Enter the amount you wish to pay
  • Enter your M-PESA PIN, confirm details are correct and press OK