Updated 23 October 2026
Yetu DT Sacco, a Meru-based Sacco that has grown quickly over the last few years, paid 19% on share capital and 13% on deposits for 2025. That ties it with Tower for the highest deposit rate among large Saccos that had announced results by March 2026. The calculator below shows what 13% would earn on your own deposits.
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 preset applies 13% to deposits. For the dividend, enter your share capital and switch the rate to 19%. The calculator deducts the 5% withholding tax.
Yetu’s Payout History
| Financial year | Dividend on shares | Interest on deposits |
|---|---|---|
| 2025 | 19% | 13% |
| 2024 | 19% | 13% |
The Growth Story
At the AGM in Meru in early 2025, which reviewed 2024, chief executive Denis Kirimi reported that Yetu had crossed the KSh 1 billion revenue mark for the first time in its 33-year history. It had added more than 20,000 members in one year, reaching 104,159. Assets grew 23%, and net profit rose 58% to KSh 238 million. Loans and advances rose 37% to KSh 5.5 billion, and deposits grew 20% to KSh 4.9 billion, helped by its branch banking business.
When a Sacco grows this fast, look at two numbers: deposit growth and loan quality. Loans growing faster than deposits, as they did at Yetu in 2024, push a Sacco to manage its liquidity carefully. Keep an eye on the next AGM report to see whether the 13% deposit rate can be held.
Example
KSh 100,000 in deposits at 13% earns KSh 13,000. KSh 10,000 in shares at 19% earns KSh 1,900. Together that is KSh 14,900 before tax, or KSh 14,155 after the 5% withholding tax.
How to Join Yetu Sacco
Yetu’s how-to-join page asks for:
- A completed membership application form
- Your national ID or passport
- Your KRA PIN certificate
- A passport-size photo
- The Sacco’s KYC details
The form includes a section for a monthly standing order. Confirm the current registration fee and the minimum share capital at a branch before you pay.
Paying and Contacts
Yetu’s M-Pesa paybill is published as 512100, with your FOSA account number as the account. Confirm it with customer care on 0724 114 444 before your first payment. The head office is in Meru town. Use our Yetu Sacco loan calculator to plan borrowing, and compare returns on the investment returns calculator.
Frequently Asked Questions
What dividend did Yetu Sacco pay for 2025?
19% on share capital and 13% on deposits.
How many members does Yetu Sacco have?
It reported 104,159 members at the start of 2025.
Where is Yetu Sacco’s head office?
Meru town. Customer care is on 0724 114 444.
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