Updated 24 October 2026
Unison Sacco, the Nanyuki-based Sacco that started out as Laikipia Teachers Sacco, paid 18.5% on share capital and 12.6% on non-withdrawable deposits for 2025. Its board recommended the rates in its 2026 AGM report. In that report the Sacco calls its shares “Silver Shares” and its deposits “Silver Deposits”. Estimate your payout 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 uses the 12.6% deposit rate. To estimate the dividend, enter your share capital and set the rate to 18.5%. Both returns are paid less 5% withholding tax, which the calculator deducts.
From Laikipia Teachers to Unison
The Sacco was founded in 1977 as Laikipia Teachers Sacco and rebranded as Unison Sacco in 2014. Its head office is in Nanyuki.
Rates by Year
| Financial year | Dividend on shares | Interest on deposits |
|---|---|---|
| 2025 | 18.5% | 12.6% |
| 2024 | 18% | 12.6% |
The dividend went up half a point for 2025, while the deposit rate stayed at 12.6%.
2025 in Numbers
- Non-withdrawable member deposits: about KSh 5.92 billion at 31 December 2025
- Net loan book: about KSh 8.77 billion
In its AGM report the board urged every member to hold at least one Unison loan product. Interest on loans is what pays the 12.6%, and the board pointed out that the deposit return applies only to the amount each member has actually saved.
Worked Example
A member with KSh 300,000 in deposits and KSh 20,000 in shares earns KSh 37,800 in interest and KSh 3,700 in dividend. That is KSh 41,500 gross and about KSh 39,425 net of the 5% withholding tax.
How to Join
Download the membership form and the USSD application form from the Sacco’s downloads section. Then take them to a branch with:
- Your original national ID or passport and a copy
- Your KRA PIN certificate
- A passport photo
- A payslip, if you are salaried
Shares are sold in units of KSh 100. They cannot be withdrawn, but they can be transferred to another member. Ask the branch for the current entrance fee and minimum share capital.
Paying In and Contacts
Deposit through M-Pesa paybill 884219. The head office is in Nanyuki (P.O. Box 414-10400). Phone 062 203 1969, 0725 453 124 or 0786 453 124. Estimate a loan on our Unison Sacco loan calculator.
Frequently Asked Questions
What dividend did Unison Sacco pay for 2025?
18.5% on share capital and 12.6% on non-withdrawable deposits, both less 5% withholding tax.
What was Unison Sacco’s old name?
Laikipia Teachers Sacco. It became Unison Sacco in 2014.
What is Unison Sacco’s paybill?
884219.
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