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

Call Fixed Deposit
A call deposit account has no fixed deposit period, provides instant access to funds, and allows unlimited withdrawals and deposits. Features:
• Minimum of Kes 5,000.00
• Attractive interest rate
• Can be accessed upon demand without forfeiture of interest
Fixed Deposit for 3, 6- and 12-months’ deposits
It’s a fixed term savings account with a pre-determined interest rate. Features:
• Minimum of Kes 5,000.00
• Funds can be fixed either for 3, 6 or 12 months
• Attractive interest rates
• Forfeiture of interest if withdrawn before maturity
• No monthly charges
Golden Savings Account
• Minimum deposit of Kes 60,000.00 for a period of 12 months
• Attractive interest rate
• Interest paid monthly to Prime Account
• Funds may be used as loan collateral
• Premature withdrawal will lead to forfeiture of interest

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