Abstract: In Kenya, Savings and Credit Co-operative Societies (SACCOs) contributes about 30% of the country’s gross domestic product. However, the growth of SACCOs has recently been threatened by competition by other financial institutions offering alternative services. The purpose of this study was to; establish the influence of interest rates on loyalty of SACCO members; determine the influence of the mode of disbursement of funds on loyalty of SACCO members; to determine the influence of variety of SACCO products on loyalty of SACCO members and to determine the influence of collateral required by SACCOs to SACCO products by SACCO members in the selected SACCOs. The target population was 441 members from which a sample of 209 members was selected using systematic sampling technique. Data was collected using Self-administered questionnaires. Data was analyzed by use of correlation analysis and regression analysis. The finding revealed a relationship between loyalty of members to their SACCOs interest rates (r=-0.849, p<0.01), mode of disbursement (r=0.756, p< 0.01) and variety of products (r=310; p<0.05). The study concluded that interest rates, mode of disbursement and variety of financial products are most important financial factors which influence SACCO member’s loyalty. The study recommends that SACCOs seeking to enhance retention of their members should fasten in providing competitive interest rates and find modalities of improving their efficiency in disbursements of funds.