91-day T-bill8.748%▼ 0.002
182-day T-bill8.859%▼ 0.001
364-day T-bill9.027%▼ 0.012
Central Bank Rate8.75%07/10/2026
Inflation6.8%September 2026
Top MMF yield10.52%Madison
Sources: CBK auction, 26 Oct 2026 value date (change vs 19 Oct); CBK key rates; fund managers' published yields, as at 26 Oct 2026.

Gusii Mwalimu Sacco Dividend Calculator 2026

Updated 17 October 2026

Gusii Mwalimu DT Sacco, the Kisii-based Sacco that grew out of the teaching profession, declared a 16% dividend on share capital and 11% interest on deposits for the year ended 31 December 2025. The rates were announced at its Annual Delegates Meeting at Itibo Resort in Kisii County on 25 February 2026. Use the calculator below to estimate your own payout.

Rates are what was last published, gross of tax. Money market funds are compounded monthly; bills, bonds, deposits and SACCO returns are worked out as simple interest. Your actual return will differ.

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The preset uses the 11% deposit rate. Change it to 16% and enter your share capital to estimate the dividend. The 5% withholding tax on Sacco payouts is deducted for you.

Gusii Mwalimu’s 2025 Results

Measure 2024 2025 Change
Total assets KSh 16.2 billion KSh 18.4 billion +13.3%
Member deposits KSh 11.1 billion KSh 12.5 billion +12.1%
Loans KSh 14.03 billion KSh 16.9 billion +20.9%
Revenue KSh 2.6 billion KSh 2.9 billion +14%
Members 31,502 34,839 +11%

Core capital rose to KSh 3.6 billion and institutional capital to KSh 2.7 billion. Notice that loans (KSh 16.9 billion) are larger than deposits (KSh 12.5 billion). The Sacco lends heavily to its members, which is what funds the 11% rebate, but it also means loan repayment discipline matters for future payouts.

The Sacco recruited 8,403 new members in 2025 and opened satellite offices in Migori, Homa Bay and Narok, so it now serves members well beyond Kisii and Nyamira.

What 11% and 16% Mean for You

A member with the minimum KSh 35,000 in share capital and KSh 200,000 in deposits would earn KSh 5,600 in dividend and KSh 22,000 in interest, a total of KSh 27,600. After the 5% withholding tax that is about KSh 26,220.

Who Can Join

Membership is open to workers in education and universities, government and the civil service, NGOs, and pensioners who meet the Sacco’s criteria.

Joining Requirements

  • Entrance or rejoining fee: KSh 1,000
  • Minimum monthly deposit: KSh 2,000
  • Share capital: KSh 35,000
  • Monthly welfare and security fees: KSh 300

You qualify for a loan after six months of regular contributions. Before borrowing, estimate the repayment with our Gusii Mwalimu Sacco loan calculator. Teachers paying by check-off can confirm the deduction on their payslip through T-Pay.

Paying In and Contacts

Pay through M-Pesa paybill 283052, using your national ID number as the account. The office is on the first floor of the Gusii Mwalimu Complex in Kisii. Phone 0709 140 900, 0797 906 715 or 0758 328 201, or email info@gusiimwalimusacco.co.ke.

Frequently Asked Questions

What dividend did Gusii Mwalimu Sacco declare for 2025?

16% on share capital and 11% interest on deposits.

What is the Gusii Mwalimu Sacco paybill?

283052, with your ID number as the account number.

How long before I can borrow from Gusii Mwalimu?

Six months of regular monthly contributions.

How much share capital does Gusii Mwalimu require?

KSh 35,000, plus a KSh 1,000 entrance fee.

Get loan, M-Pesa and money rate changes

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About Author

Norah Waceke is a business journalist and editor at Business Radar with more than eight years of experience covering Kenya's economy, companies and markets. She previously worked at one of Kenya's leading digital news platforms, where she reported on business, finance and current affairs. A graduate of Multimedia University of Kenya, Norah focuses on clear, accurate reporting that helps readers understand the money stories shaping their lives and businesses.

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