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50 Years of Empowering Lives

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50 Years of Empowering Lives



Term deposits are profit-bearing fixed deposit accounts offered by Stima Sacco to its members. These deposits provide convenient means of investing funds which are not required for immediate use on higher interest-bearing rates than Savings Accounts. Presently the following products are being offered by Stima Sacco

Fixed Deposit Account
• Fixed deposit account is a withdrawable deposit account where depositors can place short term deposits for a specified periods of time usually between three to twelve months.
• The account targets members who wish to put aside funds for investment, and they are certain of the period that they can commit the funds.
• Minimum deposit amount is Kes.5,000.
• Funds can be fixed either for 3, 6 or 12 months.
• Interest is computed daily and credited at the maturity of the contract period subject to a withholding tax of 5%.
• Accrued interest is forfeited if a depositor withdraws the funds before maturity date.
• The customer is issued with a Certificate of Deposit upon depositing the money.
• The Certificate of Deposit details the amount deposited, date deposited, interest rate applicable, contract period and the maturity date.
• Upon maturity the depositor can rollover the principal together with the interest or collect interest and rollover the principal or collect both principal and interest.
Call Deposit Account
• Funds can be recalled anytime without losing Interest.
• Guaranteed return on Investment.
• Minimum is Kes 5,000.
Golden Savings Account
•This is an investment option account that guarantees a minimum return monthly subject to the amount invested.
• Amounts fixed for a period of 1 year.
• Minimum Deposit is Kes.5,0000.
• Monthly returns can be wired to the beneficiaries upon request

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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