Updated 17 October 2026
Nation DT Sacco’s board recommended 18% on investment shares and 10% on deposits for 2025. Both rates are lower than the 20% and 11% it paid for 2024. Chairman Paul Muimi Munyao told the 2026 AGM that 2025 had been a year that “tested confidence”, with high living costs, tight monetary conditions and constrained liquidity. Run your own figures in the calculator below.
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.
The calculator applies 10% to deposits. To estimate the dividend, enter your share capital and use 18%. It deducts the 5% withholding tax.
Nation Sacco Rates by Year
| Financial year | Dividend on shares | Interest on deposits |
|---|---|---|
| 2025 | 18% | 10% |
| 2024 | 20% | 11% |
Yet the total paid out still went up, to KSh 269 million, because members’ balances grew faster than the rates fell.
2025 Performance
- Total assets: up 16%, from KSh 4.0 billion to KSh 4.7 billion
- Loan book: up 30%, to KSh 3.56 billion
- Member deposits: up 16%, to KSh 3.393 billion
Loans grew almost twice as fast as deposits. That is one reason a Sacco may hold back on the deposit rate: it needs to keep enough cash and capital as lending expands. The Sacco also launched Golden Nest, a structured savings product.
A governance change is coming as well. Following a June 2025 Ministry of Co-operative Development directive that Saccos with more than 5,000 members move to a delegate system, Nation is preparing to switch to between 150 and 500 elected delegates. A Special AGM is planned to approve the change.
Example
KSh 150,000 in deposits at 10% earns KSh 15,000. KSh 20,000 in shares at 18% earns KSh 3,600. The total is KSh 18,600, or KSh 17,670 after the 5% withholding tax.
How to Join Nation Sacco
- Pay the KSh 1,000 registration fee, a minimum deposit of KSh 2,000 and share capital of KSh 2,000 to M-Pesa paybill 895790. The account is your ID or passport number followed by SD.
- Sign the registration documents.
- Email them to info@nationsacco.com or take them to a branch.
Contacts
Head office: IPS Building, 10th Floor, Kimathi Street, Nairobi. Phone 0709 003 000 or 0709 003 001. Plan a loan with the Nation DT Sacco loan calculator.
Frequently Asked Questions
What dividend did Nation Sacco pay for 2025?
The board recommended 18% on shares and 10% on deposits, down from 20% and 11% for 2024.
What is Nation Sacco’s paybill?
895790. When registering, use your ID number followed by SD as the account.
How much do I need to join Nation Sacco?
KSh 5,000: a KSh 1,000 registration fee, a KSh 2,000 deposit and KSh 2,000 in share capital.
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