From disciplined saving and affordable credit to education planning, asset ownership, investment platforms, and member welfare — CTS SACCO exists to walk with you through every stage of life.
CAPITAL TRUST SAVINGS & CREDIT COOPERATIVE SOCIETY LTD One SACCO. Many Solutions. One Vision.
Member Education Day Newsletter | Issue #001 — Saturday, 14th February 2026
Theme: Solutions for Every Stage of Life
CHAIRMAN’S MESSAGE
This Is Your SACCO Fellow Members, Prospective Members, and Friends of CTS SACCO,
The ELIMU FUND stands for:
On behalf of the Board of Directors and the entire leadership of Capital Trust Savings & Credit Cooperative Society Ltd (CTS SACCO), I extend my sincere appreciation to our members for the trust you have placed in this institution.
Starting tomorrow’s journey today — the CTS way.
To our existing members — thank you for keeping faith with CTS. Your consistency, discipline, and belief in the cooperative model are the foundation upon which this SACCO stands and grows. To our newly registered members — welcome to your financial home. And to our guests and prospective members — we invite you to join a SACCO designed with you in mind. A SACCO for Every Kenyan
Shareholding: Your Alternative Pension Plan
CTS SACCO is deliberately inclusive.
Through its shareholding design and philosophy, CTS SACCO works to ensure that every member steadily builds a fund that will support them in their golden years.
Whether you are: • a boda boda rider, • a mama mboga, • a juakali artisan, • an informal sector worker, • a professional, or • an SME or corporate player, This is your SACCO. CTS was not designed for a privileged few. It was built to accommodate real livelihoods, real cash flows, and real ambitions — and to walk with members as they grow.
Built to Outlive Its Founders CTS SACCO was founded to thrive and outlive its pioneer members. It is: • • • •
Built on strong systems, not personalities Anchored on governance, not convenience Owned by its members, not individuals Guided by the rule of law, not discretion
Shares are not short-term instruments.
Prudent, well-researched investment strategies Conservative risk exposure Professional advice and institutional standards Board-approved, AGM-ratified policies Full accountability to members
Member money is handled with the seriousness it deserves — transparently, responsibly, and professionally.
Leadership will remain answerable to members at all times. Members will continue to receive: • Quarterly progress updates • 24/7 account access through online portals • Clear, timely communication
CTS SACCO will continue to leverage technology to deliver: • Unparalleled efficiency • Seamless member experience • Faster service delivery • Anywhere, anytime access
An alternative pension plan — built quietly, consistently, and cooperatively.
Standing with Members in Difficult Times CTS SACCO recognizes that life is not only about growth — it also has moments of loss. Through our Members Welfare & Benevolent Fund, CTS affirms that: • No member should face bereavement alone • Support must be structured, dignified, and fair • Welfare is a responsibility, not an afterthought This SACCO will always stand with its members — regardless of social or economic status.
CTS SACCO will continue to: • Educate members on financial discipline • Train members on wealth creation and expansion • Support members in maintaining and protecting what they build
• • • • •
• Be governed by approved policies • Remain accountable to members • Operate under Board oversight and AGM authority
For many members, CTS shareholding represents:
Unwavering Commitment to Safeguard Members’ Money
CTS SACCO is committed to:
CTS SACCO shall always:
Technology, Efficiency & Member Experience
Education, Training & Continuous Support
The protection of members’ funds is nonnegotiable.
Governance, Accountability & Transparency
They are long-term ownership and wealth-building tools.
Every product, policy, and process exists to ensure continuity, stability, and protection of member interests — today and generations from now.
Let me state this clearly and without ambiguity:
It is about discipline, dignity, and legacy.
Member education is not an event — it is a continuous commitment.
Our goal is a well-informed membership that makes confident, empowered decisions.
ELIMU FUND: Starting Tomorrow’s Journey Today
Innovation at CTS is purposeful — always serving members better.
Competitive Returns, Fair Credit Finally, CTS SACCO commits to: • Keeping dividends on shares and interest on savings market-competitive • Ensuring credit pricing remains favorable to members • Balancing returns with safety and sustainability Growth will never come at the expense of prudence.
In Closing CTS SACCO is your institution. Built for you. Governed for you. Growing with you. We invite you to walk this journey with us — confidently, collectively, and for the long term. Thank you for being part of the CTS family.
I wish to single out the CTS ELIMU FUND. This product exists to ensure that no CTS parent experiences stress or distress over education financing — at a time when they should be celebrating their children’s achievements.
John Njagi Chairman, Board of Directors Capital Trust Savings & Credit Cooperative Society Ltd
C A P I TA L T R U S T S A C C O L T D
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