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
This Is Your SACCO
Fellow Members, Prospective Members, and Friends of CTS SACCO,
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.
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
CTS SACCO is deliberately inclusive.
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
Every product, policy, and process exists to ensure continuity, stability, and protection of member interests — today and generations from now.
Unwavering Commitment to Safeguard Members’ Money
Let me state this clearly and without ambiguity: The protection of members’ funds is nonnegotiable.
CTS SACCO is committed to:
• 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.
Shareholding: Your Alternative Pension Plan
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
Shares are not short-term instruments.
They are long-term ownership and wealth-building tools
For many members, CTS shareholding represents:
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
Education, Training & Continuous Support
Member education is not an event — it is a continuous commitment
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
Our goal is a well-informed membership that makes confident, empowered decisions.
ELIMU FUND: Starting Tomorrow’s Journey Today
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.
The ELIMU FUND stands for:
Starting tomorrow’s journey today — the CTS way. It is about discipline, dignity, and legacy.
Governance, Accountability & Transparency
CTS SACCO shall always:
• Be governed by approved policies
• Remain accountable to members
• Operate under Board oversight and AGM authority
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
Technology, Efficiency & Member Experience
CTS SACCO will continue to leverage technology to deliver:
• Unparalleled efficiency
• Seamless member experience
• Faster service delivery
• Anywhere, anytime access
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.
John Njagi Chairman, Board of Directors
Capital
Trust
Society Ltd
Savings & Credit Cooperative
Theme: Solutions for Every Stage of Life
Why CTS Makes Financial Sense
Fellow Members, New Members, and Prospective Members,
As Treasurer of Capital Trust Savings & Credit Cooperative Society Ltd (CTS SACCO), my responsibility is simple but weighty: to safeguard members’ funds and ensure that every shilling entrusted to CTS works intelligently, prudently, and in the long-term interest of members
From that perspective, I confidently affirm that choosing CTS SACCO is one of the most financially sound decisions a member can make
Business Funding Works Best When Knowledge Walks with Capital
No one starts a business intending to fail.
Yet many enterprises struggle or close prematurely — not because of lack of effort, but due to:
• Inadequate feasibility studies
• Poor planning and projections
• Weak management structures
• Lack of timely market intelligence
CTS SACCO recognizes that funding alone is not enough
That is why the SACCO is committed to:
• Continuous multi-industry market research
• Staying current with economic and sector trends
• Structuring products and platforms that support sustainable business growth
Our goal is not merely to lend — but to enable success.
Calculated Borrowing Is Wealth-Creating Borrowing is not a problem.
Unplanned and expensive borrowing is.
At CTS SACCO, we advocate for calculated borrowing — borrowing that:
• Builds assets
• Expands businesses
• Improves productivity
• Creates sustainable income
When a member borrows from CTS:
• The cost of credit is fair and transparent
• The SACCO earns interest
• That income ultimately returns to members as dividends and interest
If your lender profits while you remain excluded from those profits — CTS SACCO was built for you.
Here, members are not just borrowers. They are owners.
Your Interest Paid Is Still Your Money
This is a truth many overlook.
Whatever interest a member pays on CTS loans:
• Strengthens the institution they own
• Supports dividends on shares
• Supports interest on savings
• Strengthens services and systems
In effect:
You are not enriching an external financier — you are building your own institution.
A Safe Haven from Predatory Lending
Emergencies are part of life.
Unfortunately, many people fall into the hands of predatory lenders during such moments — institutions that:
• Exploit distress
• Charge punitive interest
• Enrich themselves from misfortune
CTS SACCO exists as a safe haven.
Our emergency-focused products are designed to:
• Respond quickly
• Price credit fairly
• Offer relief with care, not exploitation
CTS does not mint fortunes from members’ misfortunes.
Continuous Innovation for Member Protection
CTS SACCO will continue to innovate deliberately to:
• Shield members from predatory lending
• Reduce reliance on expensive credit
• Develop funding models that build businesses instead of killing them
Every innovation is evaluated against one question:
Does this protect and grow members’ financial wellbeing?
If the answer is no — we do not proceed.
An Institution Worth Building — and Protecting
CTS SACCO belongs to its members.
As such, I challenge every member:
• Build this institution
• Protect its reputation
• Support its governance
• Grow its capital base
Because an institution that is well-built and wellprotected will, in return, build and protect you.
In
Closing
CTS SACCO is not a short-term solution.
It is a financial ecosystem designed to support members through:
• Growth
• Risk
• Opportunity
• Emergency
• Retirement
I invite you to remain committed, engaged, and forward-looking as we grow this institution — together.
Thank you for choosing CTS SACCO.
Francis Odera Treasurer
Capital Trust Savings & Credit Cooperative Society Ltd
Turning Membership into Progress
Fellow Members, New Members, and Friends of CTS SACCO,
Capital Trust Savings & Credit Cooperative Society Ltd (CTS SACCO) is built by members and for members — with one clear purpose: to make a measurable difference in the financial lives of those who belong to it
CTS SACCO exists not as an abstract institution, but as a practical partner — one that enables members to move deliberately from one life stage to the next.
From Tenant to Home Owner — The CTS Way
If you are a tenant today, your journey to owning your own home does not need to wait.
The CTS Starter Home Product is designed to help members transition immediately from tenancy to ownership — step by step, sustainably, and responsibly.
It is built on the belief that:
• rent should not consume a lifetime of income, and
• ownership should begin as early as possible.
Stop paying rent indefinitely.
Start building your home — the CTS way.
Scaling Business — From Retail to Regional
CTS SACCO welcomes every business at its current stage.
If you are operating a retail business, CTS is here to support your transition to wholesale.
If you are already a wholesaler, CTS invites you to scale further — into imports, manufacturing, and regional markets.
Growth is not accidental. It requires:
• structured financing,
• market awareness, and
• economies of scale.
CTS SACCO is positioning itself to be part of your business scaling story, not just a source of credit.
Breaking the Middleman Cycle — Through CTS Clubs
Many businesses lose value by relying on expensive intermediaries for stock and supplies.
Through CTS Member Business Clubs, members are encouraged to:
• buy directly from manufacturers,
• pool demand,
• reduce unit costs, and
• improve margins.
This is how economies of scale work — the cooperative way.
Welcome to CTS SACCO
3. Building assets and wealth
4. Protecting members through welfare and solidarity
We believe that a strong SACCO must do more than give loans — it must help members plan, grow, and live with dignity
Why CTS SACCO Is Different
CTS SACCO is intentionally designed to:
• Encourage discipline before debt
• Promote ownership through shareholding
This newsletter captures what cannot be fully explained in one day and gives you a reliable reference you can return to anytime.
CTS SACCO in 60 Seconds
CTS SACCO is a member-owned financial cooperative built around four pillars:
Borrowing affordably and fairly
• Support asset-backed borrowing instead of consumption debt
• Provide structured welfare support during difficult moments
• Create investment platforms where members grow together safely
Every product you will read about in this newsletter fits into this bigger picture.
Land Ownership Without Heavy Upfront Burden
The CTS Plot Purchase Loan enables members to start paying for land immediately, without the pressure of large initial deposits.
Key features include:
• repayment periods of up to 72 months,
• flexible payment structures, and
• friendly MOUs with vetted real estate partners
This allows members to:
• secure land safely,
• enjoy peace of mind, and
• benefit from capital appreciation while paying gradually.
Whether for a dream home or a future retirement residence — CTS makes land ownership practical.
CTS REALTORS CLUB — Access
Real Estate at Direct Cost
The CTS REALTORS CLUB invites members into the real estate value chain itself.
Through collective participation, members can:
• access land at direct cost, beyond conventional retail pricing,
• participate in structured, governed real estate projects, and
• share in the value created within Kenya’s dynamic property market.
What You Can Do at CTS SACCO
At CTS, a member can:
• Save consistently and purposefully
• Build shares and earn dividends declared annually after audit and AGM approval
• Borrow at fair rates for emergencies, business, land, homes, and assets
• Plan education for children through a disciplined, locked savings structure
• Invest collectively through structured member clubs
• Access welfare support during bereavement and hardship
This is what we mean by “Solutions for Every Stage of Life.”
Who This Newsletter Is For
• New members — to get fully up to speed
• Existing members — to rediscover all available opportunities
• Guests & prospective members — to understand what CTS offers before joining
This is not speculation.
It is organized participation in a proven wealth sector — the CTS way
Fair Credit in a Market of Excess
In today’s market, many mobile and digital lenders charge between 60% and over 400% per annum, often without transparency or shared benefit.
CTS SACCO offers a rational alternative:
• Ordinary Loans at 12% p.a. reducing balance
• Asset Finance Loans at 13.5% p.a. reducing balance
• Emergency One-Month Loans at 3% one-off
And more member-focused products will continue to be introduced — in response to real member needs and market realities.
The difference is simple:
Whatever interest you pay at CTS SACCO ultimately remains your money — because you own the institution.
Shared Success — Dividends and Interest
At the end of every financial year, subject to audit and AGM approval, members meet not to enrich an external lender, but to share in the results of their own collective effort:
• dividends on shares, and
• interest on savings.
This is the cooperative advantage in its purest form.
Strength Lies in Numbers CTS SACCO grows stronger when its membership grows.
I therefore invite every member to:
• bring a friend,
• introduce a colleague,
• convert a business circle into a cooperative circle.
Let us build a SACCO of friends — expanding our capital base, our reach, and our impact.
In Closing
CTS SACCO is not asking members to wait for opportunity.
It is asking members to use the opportunity already available
Patronize the products.
Build the institution.
Grow together — the CTS way.
I look forward to walking this journey with you.
Yvonne Kibira Customer relations officer
CTS SACCO AT A GLANCE
Progress, Systems, Governance & Trust
CTS SACCO: Built on Structure, Powered by Systems
CTS SACCO is deliberately structured to grow safely, transparently, and sustainably
As membership grows, systems, governance, and controls grow with it — ensuring that every member’s money is protected and properly managed.
Key Institutional Milestones
1. Full Digital Integration
CTS SACCO has invested in modern systems to enhance efficiency, accuracy, and convenience:
• Paybill & Bank Integration
• All payments made via Paybill or bank are automatically updated in real time.
• 24/7 Access to Statements
• Members can access savings, shares, loans, and special funds anytime, anywhere
• Online Loan Applications
• Loan requests are initiated and processed digitally, reducing delays and paperwork.
• Efficient Disbursement
• System integration allows for faster approvals and timely disbursements.
This reduces errors, improves accountability, and gives members confidence in their records.
2. Strong Governance & Compliance
CTS SACCO operates strictly within:
• The Co-operative Societies Act (Cap 490)
• CTS SACCO By-Laws
• Board-approved and AGM-ratified policies and procedures
All major products — savings, loans, ELIMU FUND, welfare, and investment platforms — are governed by formal, documented, regulator-compliant policies
This protects:
• Members
• The Board
• Management
• The institution’s long-term stability
3. How CTS Protects Members’ Money Member funds are safeguarded through:
• Clear separation of shares, savings, welfare funds, and investment pools
• Defined approval limits and authority levels
• Audit trails for every transaction
• Annual external audits
• AGM oversight and resolutions on dividends and interest
No shortcuts. No informal handling. No discretionary use of funds.
This discipline is what allows CTS to grow confidently.
4. Transparency as a Culture CTS SACCO believes trust is built through clarity:
• Dividends and interest are declared only after audit
• Payments are made after AGM approval
• Members choose how to receive proceeds — bank or M-Pesa
• Policies are available and explained, not hidden
Transparency is not an event at CTS — it is a system.
Ownership • Dividends • Long-Term Wealth
Shareholding: The Engine of CTS SACCO
At CTS SACCO, shareholding is ownership.
When you buy shares:
• You become a co-owner of the SACCO
• You strengthen the SACCO’s capital base
• You position yourself to earn annual dividends, subject to performance and AGM approval
Shares are not savings
They are a long-term stake in the institution.
Why Shareholding Matters
Strong shareholding enables CTS SACCO to:
• Finance members affordably
• Invest conservatively and strategically
• Build resilience and independence
• Deliver competitive long-term returns
For members, shares represent:
• Stability
• Commitment
• A long-term wealth plan
• An alternative pension-style asset
CTS Shareholding Recognition Levels
CTS SACCO has introduced a Shareholding Recognition Framework to celebrate progress and inspire growth
Introducing CTS SACCO Sharehold…
Members’ shareholding grows through five progressive levels:
• Bronze
• Silver
• Gold
• Platinum
• Diamond
These levels do not change voting rights or equality.
All members remain equal under CTS SACCO by-laws.
They exist to:
• Recognize discipline and consistency
• Encourage long-term financial growth
• Celebrate milestones, not comparisons
Shares as an Alternative Pension Plan
CTS SACCO positions shareholding as a longterm financial anchor:
• Shares grow steadily over time
• Dividends are declared annually after audit
• Capital is preserved while returns compound
• Members retain flexibility without market speculation
For many members, this becomes:
A reliable retirement cushion built quietly, consistently, and cooperatively.
How to Buy or Top-Up Shares
Members can purchase or increase shares through:
Bank Deposit (RTGS or Cheque)
CTS SACCO LTD
Co-operative Bank
Account No: 01100425836001
University Way Branch
OR via Paybill
Paybill No: 4137337
Account: Member ID#SH
(Example: 12345678#SH)
All payments are automatically updated in the system.
Key Reminder
• Dividends are declared annually after audit
• Payment is made after AGM resolution
• Members choose bank or M-Pesa payout
Discipline • Consistency • Financial Growth
Why Saving Comes First at CTS
At CTS SACCO, saving is not an afterthought — it is the foundation of everything else.
Before borrowing, before investing, before building assets, we encourage members to first build saving discipline. This approach protects members from overindebtedness and strengthens long-term financial stability.
Monthly Membership Contribution Explained Every CTS member contributes a minimum of Ksh. 1,300 per month, structured as follows:
• Ksh. 1,000 — Savings / Deposits
• Builds your borrowing power and financial discipline.
• Ksh. 200 — Shareholding Increment
What Is the CTS ELIMU FUND?
The CTS ELIMU FUND is a parent-owned, childdesignated, restricted savings product designed to help members save for children’s education without temptation or premature withdrawals
CTS ELIMU FUND
Children are not SACCO members
The account remains fully owned and controlled by the parent or guardian.
Why the ELIMU FUND Was Created
Many parents start saving for education — then stop.
Common challenges include:
• Easy withdrawals
• Emergencies diverting school fees savings
• Lack of long-term discipline
• No clear transition to adulthood savings
The CTS ELIMU FUND fixes this by design.
How the ELIMU FUND Works
• Contributions are locked and non-withdrawable
• Funds are reserved strictly for education or longterm legacy
• Grows your ownership stake and future dividends.
• Ksh. 100 — Welfare & Benevolent Fund
• Provides dignity and support during bereavement.
This structure ensures that every month, a member is:
• Saving
• Building ownership
• Securing welfare cover Automatically.
Savings vs Shares — What’s the Difference?
Savings (Deposits)
• Build loan eligibility
• Can be accessed subject to product rules
• Earn interest declared annually after audit
• Grow borrowing power Shares
• Represent ownership in the SACCO
• Earn dividends, not interest
• Are long-term and not withdrawn like savings
• Power the strength and independence of the SACCO
Savings build capacity. Shares build ownership.
How Members Save & Make Payments
CTS SACCO offers flexible, reliable channels:
Bank Deposit (RTGS or Cheque)
CTS SACCO LTD
Co-operative Bank
Account No: 01100425836001
University Way Branch
Paybill Payments
Paybill: 4137337
Account Format: Member ID + purpose code
• #SV – Savings
• #SH – Shares
• #BN – Benevolent Fund
• #LN – Loan Repayment
• #EF – Elimu Fund
All payments are system-integrated and auto-updated, giving members peace of mind.
Saving with a Goal
CTS SACCO encourages members to save with intention, not guesswork.
That’s why, beyond regular savings, CTS offers purpose-driven savings products — the most transformative being the CTS ELIMU FUND.
Discipline Today. Education Tomorrow. Legacy Forever.
• Withdrawals of principal are restricted
• Benefits are accessed under clear, approved rules
This structure protects parents from themselves — gently but effectively.
Two Purpose Tracks
The CTS ELIMU FUND operates under two tracks:
1. Elimu Track (Education Support Track)
• Designed to support payment of school fees
• Benefits are applied towards education costs
• Principal remains protected
2. Legacy Track (Long-Term Track)
• Focused on long-term compounding
• Capital is preserved for adulthood transition
• Can later convert into savings or SACCO membership (18+)
Members choose the track that best fits their family goals.
What Makes ELIMU FUND Unique
• Enforces saving discipline
• Separates education funds from household money
• Encourages long-term planning
• Preserves capital
• Aligns with legal and regulatory frameworks
• Builds generational financial culture
Education costs are paid from returns, while capital stays intact — where possible.
Who Should Join the ELIMU FUND
• Parents with young children
• Single parents seeking protected savings
• Informal sector members planning school fees
• Members building a generational legacy
The earlier you start, the stronger the outcome.
CTS ELIMU FUND
Affordable Credit
CTS Loan Philosophy
CTS SACCO provides credit to solve real needs and build real assets, not to trap members in debt.
Our lending is guided by four principles:
• Affordability
• Fair pricing
• Clear security
• Purpose-driven borrowing
Loans are structured to match members’ savings discipline and life stages.
CTS Loan Products at a Glance
1. Ordinary Loan
Purpose: General personal or family needs
• Loan limit: Up to 3 times member savings
• Interest: 12% p.a. reducing balance
• Security: At least 2 guarantors
• Repayment: As agreed Ideal for members with consistent savings and guarantor support.
2. One Month Loan (Emergency Loan)
Purpose: Short-term emergencies
• Fully mobile & instant
• Interest: 3% per month
• Repayment period: 1 month
• Security: No guarantors
Designed as a safer alternative to expensive mobile lending apps.
3. Plot Purchase Loan
Purpose: Help members acquire land from vetted vendors
• Interest: 12% p.a. reducing balance
• Repayment period: Up to 72 months
• Loan limit: Least of
5 times member savings OR
70% of plot valuation
• Security: Title deed held by the SACCO
Supports members to move from saving to asset ownership.
4. Title Deed Loan
Purpose: Short-term financing using owned land
• Interest: 12% straight line
• Repayment period: Up to 36 months
• Security: Member’s title deed Ideal for urgent but structured financial needs.
5. Business Loan
Purpose: Support existing businesses
• Interest: 13.5% p.a. reducing balance
• Repayment: Daily, weekly, or monthly
• Security: Business assets & stock
For members growing or stabilizing income-generating activities.
6. Asset Finance Loan
Purpose: Purchase business vehicles, machinery, or equipment
• Loan limit:
Up to 3 times savings
Not more than 60% of asset value
• Repayment period: Up to 36 months
• Security: Financed asset
Supports productive investments, not consumption.
How to Qualify Faster Members who qualify fastest usually:
• Save consistently
• Grow shareholding steadily
• Repay loans on time
• Maintain good records
• Borrow for clear purposes
At CTS, discipline lowers the cost of credit.
Dignity • Solidarity • Support When It Matters Most
Why a Welfare Fund Matters
A true cooperative must support members not only in prosperity, but also in loss
CTS SACCO has institutionalized welfare support through a structured, tier-based Members Welfare & Benevolent Fund
CTS SACCO MEMBER WELFARE POLICY…
This replaces informal collections with a fair, transparent, and sustainable system
How the Welfare Fund Works
• Every member contributes Ksh. 100 per month (minimum)
• Contributions are mandatory and non-refundable
• Members may opt into higher tiers for enhanced benefits
• Benefits apply upon qualifying bereavement events
The Fund operates separately from:
• Savings
• Shares
• Loans
This protects both members and the SACCO.
What the Welfare Fund Covers
Subject to compliance and contribution consistency, the Fund supports members in the event of death of:
• A member
• A spouse
• A biological child
• A biological parent
Benefits are paid according to the member’s contribution tier and approved rules.
Why Consistency Matters
Welfare support is collective.
For the system to remain fair and sustainable:
• Contributions must be consistent
• Arrears affect eligibility
• Reinstatement follows clear rules
The strength of the Fund depends on every member doing their part.
Governance & Accountability
The Welfare Fund is governed through:
• A Board-approved policy
• A dedicated Welfare Committee
• Clear claims procedures
• Audit and reporting controls
This ensures:
• No favoritism
• No discretion
• No misuse of funds
More Than Money
Beyond financial support, CTS SACCO provides:
• Institutional presence during bereavement
• Guidance through the claims process
• Respect, dignity, and solidarity
This is the cooperative spirit in action.
Simple • Online • Member-First
How
to Join CTS SACCO
Joining Capital Trust Savings & Credit Cooperative Society Ltd (CTS SACCO) is fully online, convenient, and fast.
Step-by-Step Registration
1. Visit portal.ctssacco.com
2. Select New Member Registration
3. Choose the applicable option:
• Individual Membership, or
• Corporate Membership
4. Fill in the online form to the last page
5. Click Register as a Member Registration Completion
• Pay the registration fee of Ksh. 1,500
• Use Paybill: 4137337
• Account: Applicant’s full name as it appears on the National ID
⏱ Within approximately 24 working hours of payment:
• Membership is completed
• A member number is issued
• An online member account is created
Members can then access all CTS SACCO services 24/7
After Registration
• All savings, shares, loans, ELIMU FUND, and welfare transactions are done using standard CTS payment references
• Statements, loan applications, and account information are accessible online
• Support is available through the CTS office and official communication channels
Quick FAQs
1. Who can join CTS SACCO?
Any individual or registered company that meets CTS SACCO membership requirements can join.
2. How much is the registration fee?
A one-time registration fee of Ksh. 1,500
3. What is the minimum monthly contribution?
Ksh. 1,300 per month, broken down as:
• Ksh. 1,000 — Savings
• Ksh. 200 — Shareholding
• Ksh. 100 — Welfare Fund
4. Can I save more than the minimum?
Yes. Members are encouraged to save more and grow both savings and shares at their own pace.
5. How do I make payments?
Payments can be made via:
• Bank deposit (RTGS or cheque), or
• Paybill 4137337 using the appropriate payment reference
• (#SV, #SH, #BN, #LN, #EF)
All payments are automatically updated in the system.
6. When are dividends and interest paid?
Dividends on shares and interest on savings are:
• Declared annually after external audit
• Approved by members at the AGM
• Paid immediately after approval, via bank or M-Pesa, as chosen by the member
7. How soon can I qualify for a loan?
Loan eligibility depends on:
• Saving consistency
• Shareholding level
• Repayment history
• Type of loan applied for
Some products, such as the One Month Loan, are designed for quicker access.
8. Can informal traders and small businesses join?
Absolutely. CTS SACCO is designed to support:
• Informal traders
• SMEs
• Professionals
• Cooperatives and corporates
9. Is CTS SACCO regulated?
Yes. CTS SACCO operates under:
• The Co-operative Societies Act (Cap 490)
• CTS SACCO By-Laws
• Board-approved and AGM-ratified policies
10. Where can I get help or more information?
Members can:
• Visit the CTS SACCO office
• Use official CTS communication channels
• Access support through the online portal
Final Invitation
CTS SACCO is more than a financial institution. It is a community, a partner, and a long-term home for disciplined savers, responsible borrowers, and forward-looking investors Join today. Grow steadily. Prosper together.
MEMBER STORIES & TESTIMONIALS
Real Members. Real Discipline. Real Progress.
Why Member Stories Matter
CTS SACCO measures success not by balance sheets alone, but by member progress.
Every shilling saved, every loan repaid, and every business scaled tells a story of discipline, patience, and partnership. Below is one such story.
Member Story: Denis Njiru
From Ksh. 100 a Day to Business Growth
Denis Njiru runs a small retail liquor shop. Like many informal traders, cash flow is daily, margins are tight, and saving large amounts at once is not always possible.
Instead of waiting to “have enough,” Denis chose consistency
Through M-Pesa m-Ratiba, Denis committed to saving Ksh. 100 per day with CTS SACCO. It was not easy, but it was intentional.
“I realized it’s not about how much you save, but how long and how consistently you save,” Denis shares.
Discipline That Opened Doors
With time, his savings record told a story:
• Consistent remittances
• Growing deposits
• A visible saving culture
This discipline enabled Denis to access his first CTS loan, which he used to scale up his liquor business — increasing stock variety and improving cash flow.
Later, based on the same saving discipline and repayment history, Denis qualified
for a second loan — which enabled him to acquire a motorbike
When Credit Creates More Income
The motorbike transformed how Denis runs his business:
• Faster supplier errands
• Small delivery services for nearby clients
• Additional daily income beyond shop sales
As a result, Denis was able to increase his daily M-Ratiba saving from Ksh.
100 to Ksh. 200
“The bike paid for itself. It didn’t just help my business — it taught me that disciplined saving gives you options.”
Looking Ahead
Denis now sees himself:
• Expanding into a wholesale liquor business
• Leveraging CTS SACCO for structured financing
• Collaborating with fellow traders
He is particularly enthusiastic about the planned CTS Hospitality Club, which he believes will:
• Help traders buy stock in bulk
• Reduce supplier costs
• Create stronger business networks
“If we come together as hospitality businesses, we can grow faster and smarter.”
What Denis’ Story Teaches Us
• Small daily savings matter
• Discipline builds credibility
• Credit works best when tied to income
• Growth is a journey, not an event
CTS SACCO is not just for those with big money — it is for those with big discipline.
Own Land First. Build Smart. Grow at Your Pace.
THE BIG IDEA
Instead of waiting years to afford a full house…
You start with:
A secure plot
A simple starter home
Space to grow gradually
Then later:
Build your dream home
Turn starter house into rental or servant quarter
Use space for farming, poultry, or business
This is smart ownership — the CTS way.
WHY THE CORNER STARTER HOME DESIGN WORKS
Strategically positioned at the edge of a 50x100 plot to:
• Leave maximum space for future main house
• Allow independent access if rented later
• Enable farming or income use immediately
• Avoid demolition in future upgrades
Nothing is wasted. Every stage adds value.
THE SHARED PLOT OWNERSHIP MODEL
One 50x100 plot = comfortably shared by 4 members
In developed areas like Katani:
Full plot value: KSh 2M – 2.5M
Shared by 4 members = affordable entry
Each member:
Pays only a portion of plot cost
Saves 20% deposit
CTS SACCO finances 80%
Secures prime land immediately
Later:
Member qualifies for parallel construction loan
SAFETY FIRST — THE CTS PROTECTION ADVANTAGE
CTS SACCO ensures:
Legitimate title deeds
Professional searches & verification
Ground survey & boundary confirmation
Secure legal documentation
Proper loan securitization
HOW A MEMBER PROGRESSES (SIMPLE JOURNEY)
STEP 1 – Secure Land
Plot purchase through CTS financing
STEP 2 – Starter Home
Studio / 1BR / 2BR affordable build
STEP 3 – Growth Phase
Use space for:
• Farming
• Rentals
• Savings toward main house
STEP 4 – Dream Home
Construct main house later
STEP 5 – Income Generation
Starter home becomes:
• Rental unit
• SQ/BQ
• Business space