Get well researched, accurate and the latest details on the Ollin Sacco’s Contacts, Branches, Loans, Savings, Dividends, Membership Requirements and Shares. This article also provides complete details on the Ollin Sacco’s Mobile Banking, USSD Code, Mobile App, M-Pesa Paybill Number, ATM Cards, BOSA Products, FOSA Services and Frequently Asked Questions plus their updated answers.
Ollin Sacco’s Quick Facts File
| SACCO Official Name | Ollin Sacco |
| Primary Target Sector | Education/Community |
| Head Office | Kerugoya |
| County | Kirinyaga |
| Postal Address | P.O. Box 11.67-10300 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 11.67 |
| Total Deposits (Ksh B) | 7.75 |
Ollin Deposit-Taking Sacco Society Limited (Ollin Sacco) is a top and premier, Tier-1 SASRA-regulated financial cooperative in Kenya. Originally registered on June 14, 1976, as the Muhigia Teachers Sacco by a small group of 163 pioneering teachers, the institution rebranded to Ollin Sacco to signal its expansion into a multi-sector, nationwide financial powerhouse.
Today, it is celebrated within the cooperative sector for maintaining exceptionally high dividend payout rates and stable asset growth.
1. Ollin Sacco’s Performance & Growth
Headquartered in Central Kenya, Ollin Sacco has transitioned into a highly automated tier-1 cooperative, drawing members from the teaching fraternity, civil service, private sector, micro-enterprises, and Kenyans in the diaspora.
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Ollin Sacco’s Head Office: Ollin Sacco Plaza, Kerugoya Town, Kirinyaga County.
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Ollin Sacco’s Total Asset Base: KSh 11.67 Billion+
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Ollin Sacco’s Active Membership: Over 39,000 active members.
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Ollin Sacco’s Leading Return Rates: Ollin Sacco consistently ranks among the top-tier cooperatives for member returns, historically yielding:
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Dividends on Share Capital: ~17.5%
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Interest on Member Deposits (Rebates): ~12.2%
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2. Ollin Sacco’s Digital Banking & Codes
To serve its geographically diverse membership base, Ollin Sacco operates a fully automated virtual ecosystem alongside traditional over-the-counter services:
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Ollin Sacco’s USSD Code: Dial
*645#(via the Spotcash platform) for instant mobile transactions, statement requests, balance inquiries, and direct utility bill allocations. -
Ollin Sacco’s Mobile App: Ollinkash App (Available for Android and iOS).
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Ollin Sacco’s Card Services: Co-branded SaccoLink Visa Cards providing members with 24/7 transactional access across automated teller machines (ATMs) and global merchant point-of-sale (POS) systems.
3. Ollin Sacco’s Financial Products & Loans
Ollin Sacco’s BOSA (Back Office Service Activity)
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Deposits & Multipliers: Members can borrow up to 5 times their accumulated non-withdrawable savings. BOSA developmental lines are typically processed via a friendly interest structure of 1% per month calculated on a reducing balance model.
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Flexible Repayment Horizons: Development and asset financing facilities feature long-term repayment schedules extending up to 96 months.
Ollin Sacco’s FOSA Savings & Specialized Products
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Personal & Joint/Business Savings Accounts: Designed to handle regular liquid deposits, salary clearings, and corporate commercial processing.
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Education Scheme Account: A structured custodial repository built to lock mid-term education funds for children, earning optimized interest margins over the savings lifecycle.
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Stawi Mobile Loan: An instant digital safety net designed to cover emergency financial shortfalls directly via mobile channels without requiring external documentation or physical guarantors.
4. Ollin Sacco’s Branches & Offices Locations
While historically anchored in Kirinyaga County, Ollin Sacco has established full-service brick-and-mortar branches across multiple counties in the Central, Rift Valley, Eastern, and Nairobi regions:
| Primary Region / County | Active Physical Branch Locations |
| Kirinyaga (Home Base) | Kerugoya (Headquarters), Mwea, Kianyaga |
| Kajiado | Kitengela, Kiserian, Kajiado Town, Kimana-Loitoktok |
| Nairobi & Kiambu | Nairobi CBD, Kiambu Town, Thika Town |
| Narok | Narok Town, Kilgoris |
Ollin Sacco’s Frequently Asked Questions (FAQs)
And now, here is an indepth Analysis of Frequently Asked Questions (FAQs) for Ollin Deposit-Taking (DT) Sacco (formerly Kirinyaga Teachers Sacco), covering membership requirements, savings products, loan limits, and digital banking services.
1. Ollin Sacco’s Frequently Asked Questions on Membership & Registration
Who is eligible to join Ollin Sacco?
Ollin Sacco operates a fully open common bond (hence the name “All in”). Membership is open to:
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Primary, secondary, and post-primary teachers (under TSC), as well as retired teachers.
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Public officers, civil servants, and state employees.
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The business community, entrepreneurs, and MSMEs.
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Farmers and agricultural worker groups.
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Registered self-help groups, chamas, and corporate companies.
What are the Ollin Sacco’s Minimum requirements for registration?
To open an account, you simply need to fill out an application form (available at branches or online) and attach:
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A clear copy of your National ID or valid Passport.
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A recent colored passport-sized photograph.
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Your signature specimen.
📌 Note: Ollin Sacco does not charge a registration or joining fee for new individual accounts.
2. Ollin Sacco’s Frequently Asked Questions on Savings, Shares, & Accounts
What is the statutory Ollin Sacco’s Share Capital requirement?
Share Capital represents your institutional equity and co-ownership in the Sacco. It is non-refundable if you resign your membership, but it can be transferred or sold to another active member. Share capital earns high annual dividends (historically reaching up to 17.5%).
What are Ollin Sacco Member Deposits (BOSA Savings)?
These are regular monthly savings that act as your primary borrowing power and loan security multiplier. Deposits are fully refundable upon membership cessation (provided you have cleared all individual liabilities and guarantor obligations). Deposits earn annual interest/rebates (historically reaching up to 12%).
What unique sub-accounts can members open via FOSA?
Through the Front Office Service Activity (FOSA), members can open specialized transactional and savings accounts:
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Ordinary Account: The standard transaction engine used for salary processing, daily banking, and loan disbursements.
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Business Mapato Account: Designed for businesses and sole proprietors to route their daily revenues.
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Junior Account: A dedicated savings vehicle opened by parents/guardians to secure the financial futures of children under 18.
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Fixed Deposit Account: Contractual accounts designed to lock lump sums over specified durations at competitive, high-yielding interest rates.
3. Ollin Sacco’s Frequently Asked Questions on Loans
For a new Ollin Sacco member, how long does it take to qualify for a loan?
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Standard Rule: A new member must save consistently for at least two (2) months to be considered for main credit facilities.
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Sacco Transfers: If you are transferring your accumulated deposits directly from another licensed Sacco, you are treated as an old member and become eligible to apply for a loan immediately upon registration.
What is the borrowing multiplier and maximum loan tenure at Ollin Sacco?
Members can access developmental and long-term asset financing up to 5 times their accumulated member deposits. Highly flexible repayment windows span up to 96 months, with competitive interest rates typically structured around 1% per month on a reducing balance.
Is there a grace period before Ollin Sacco loan repayments begin?
No. There is no repayment grace period. Automated loan recovery schedules commence on the first month following disbursement.
What is the standard Ollin Sacco loan processing turnaround time?
Ollin Sacco prides itself on an instant processing framework to avoid application backlogs:
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Short-Term/Mobile Loans: Processed on the same day at the branch or app level.
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Long-Term/Development Loans: Processed and approved within 24 hours.
What security options are accepted for Ollin Sacco loans?
All credit applications must be fully collateralized. Acceptable securities include:
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Peer Guarantors: Active Sacco members whose free deposits can cover the loan value.
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Collateral Assets: Registered motor vehicle logbooks or land title deeds (title deeds must be formally charged by the Sacco).
4. Ollin Sacco’s Frequently Asked Questions on Mobile & Digital Banking
How do I access Ollin Sacco mobile banking?
Electronic self-service utilities can be accessed 24/7 through two major frameworks:
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USSD Shortcut: Dialing *645# on your mobile phone (supports Safaricom, Airtel, Telkom, and Equitel).
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Ollinkash App: The official smartphone application available for download on the Google Play Store and Apple App Store.
What operations can I perform on the Ollin Sacco mobile platform?
The integrated digital channel allows members to:
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Check real-time FOSA and BOSA balances and pull instant mini-statements.
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Apply for instant short-term Salary Advance/Mobile Loans (payable in 1 to 3 installments directly to your mobile wallet).
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Execute online Guarantor Selection by entering a peer member’s ID or member number. The selected guarantors receive automated notifications to accept or reject the liability within the app.
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Transfer funds directly to alternative internal accounts, other members, or mobile money networks.
How do I deposit funds remotely without visiting a Ollin Sacco branch?
You can deposit savings or clear loan payments remotely using the official M-Pesa Paybill portal:
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Go to M-Pesa -> Lipa na M-Pesa -> Paybill.
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Enter Business Number: 480587.
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Enter Account Number: Your 6-Digit Sacco Account Number (or your membership letter followed by
#). -
Enter the amount and your M-Pesa PIN to complete.
💡 Bonus: Ollin Sacco features a Lipa Kwa Sacco merchant solution, where transaction verification text notifications are sent instantly to both the account holder and the depositor completely free of transaction charges.
5. Ollin Sacco’s Frequently Asked Questions on Membership Exit
What is the process for withdrawing fromOllin Sacco?
Members are legally allowed to exit the Sacco at any time. You must submit a formal written cessation notice, subject to a mandatory 60-day notice period. Your deposits will be refunded in full once you have fully settled any active loans and substituted yourself out of any loans you guaranteed for peer members.
Where is Ollin Sacco located?
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Headquarters: Kerugoya Town, Kirinyaga County (P.O. Box 83 – 10300, Kerugoya).
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Physical Branch Networks: Ollin operates 9 primary physical branches, including Kerugoya, Mwea, Kianyaga, Nairobi, Thika, Kitengela, Kiserian, Kimana (Loitokitok), and Narok.
What are Ollin Sacco’s Official Customer Contacts?
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Central Hotline: 0748 031 001
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WhatsApp Support: 0724 483 753
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Official Email: [email protected]
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