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50 Years of Empowering Lives

Close this search box.

50 Years of Empowering Lives




Stima Sacco Vision is to “To redefine financial wellness”


Stima Sacco Mission is to “Empower members for life”


Stima Sacco was established in 1974 to serve employees of the then East African Power & Lighting Company, but currently draws members from individuals in employment from all sectors, business persons’ groups, and corporates.

The objective was and has been to provide members with a haven for savings, avail affordable credit to members and return impressive dividends. The Sacco has grown to become a leading financial partner in the country with a huge asset base, massive membership, dynamic products, and impressive dividends.

Stima Sacco is a member-owned business and membership is open to all resident and non-resident Kenyans anywhere in the world. The Sacco admits eligible individuals, groups, or corporates for membership of the Society upon fulfilment of membership opening requirements.

Membership is voluntary and open to all within the accepted common bond of association, that can make use of its services and are willing to accept the corresponding responsibilities. Upon admission a member is issued with a membership number for reference purposes and three mandatory accounts are automatically opened for the member:


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.



Stima DT Sacco got established in 1974
1ST Sacco to launch Instant ATM service
1ST Deposit Taking Sacco to be licensed by Sasra and holds license number one
1ST Sacco to introduce Mobile Banking service
1ST Sacco to offer cheque books
1ST Sacco to offer cheque truncation service
1ST conventional Sacco to launch a Shariah compliant product line
Introduced agency banking outlets

Stima and Cookies

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remittance options


  • Customer downloads app pesadirect or visits
  • After installing the app, enter the amount to Send and click “continue”
  • Click “Sign Up” or login if you had previously registered on
  • 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