Trans Nation DT Sacco Ltd (TN Sacco) is a prominent, SASRA-regulated Deposit-Taking SACCO in Kenya. Originally founded on June 28, 1993, following an amicable split from the Meru Teachers Sacco Society, it was initially known as the Tharaka Nithi Teachers Sacco (TNT) before rebranding to Trans Nation Sacco to reflect its expanding national footprint.
Trans Nation Sacco’s Quick Facts File.
| SACCO Official Name | Trans Nation Sacco |
| Primary Target Sector | Education/Teachers |
| Head Office | Meru |
| County | Meru |
| Postal Address | P.O. Box 1479-60200 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 14.34 |
| Total Deposits (Ksh B) | 8.00 |
1. Trans Nation Sacco’s Core Profile & Operational Scale
Headquartered in Chuka Town, TN Sacco has grown from a localized teachers’ sacco into a major tier-1 financial institution serving members across various sectors, including civil servants, business owners, and corporate employees.
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Head Office: Mwalimu Centre, Chuka Town, Tharaka-Nithi County.
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Asset Base: KSh 17.96 Billion+
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Active Membership: Over 46,000 members.
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Experience: 33+ years in savings mobilization and credit provision.
2. Trans Nation Sacco’s Digital Banking & Access Channels
TN Sacco utilizes a robust digital banking framework to allow members to manage their BOSA (Back Office) and FOSA (Front Office) accounts remotely.
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USSD Code: Dial
*822#to withdraw funds to M-Pesa, check loan limits, view mini-statements, or transfer money internally. -
Mobile App: TN Cash (available on the Google Play Store and iOS App Store).
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M-Pesa Paybill Number: 507900 (used for direct deposits into FOSA, BOSA savings, or loan repayments).
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Card Services: Co-branded TN Sacco VISA Cards for domestic ATM withdrawals, POS payments, and online transactions.
3. Trans Nation Sacco’s Financial Products & Loan Structures
The Sacco offers tailored products divided into three main operational categories:
Trans Nation Sacco’s BOSA (Back Office Service Activity)
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Non-Withdrawable Deposits: Represents regular monthly savings that act as collateral for long-term development loans. These earn annual interest on deposits.
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Share Capital: The permanent equity holding of a member which earns annual dividends but cannot be withdrawn (only transferable or sold to other members upon exit).
Trans Nation Sacco’s FOSA (Front Office Service Activity)
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Transactional accounts, salary clearing accounts, fixed deposit options, and specialized accounts like Junior accounts or institutional group savings.
Trans Nation Sacco’s Credit Products & Specialized Programs
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Development & Special Loans: Standard multi-year borrowing facilities calculated on a reducing balance interest rate.
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Preferential & Premium Loaning Program: A structured investment program where members agree to capitalize (forgo cash payout of) their dividends and interest for 2 to 3 consecutive years. In return, the Sacco boosts their loan multiplier capability up to 5 times (Preferential) or 6 times (Premium) their deposits for major asset financing.
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Digital/Short-Term Loans: Instant mobile-based advances via
*822#or the app, including Okoa, Salary Advance, and Dividend Advance. -
Self-Guaranteed Loans: Members can borrow up to 80% of their unencumbered shares without requiring external guarantors, provided they have no other active BOSA loans.
4. Trans Nation Sacco’s National Branches & Locations
Though rooted in the Mt. Kenya region, TN Sacco operates fully functional branches and outlets across several counties:
| County | Branch Locations / Outlets |
| Tharaka-Nithi (HQ) | Chuka (Headquarters), Kathwana, Marimanti, Chogoria, Mukothima, Gatunga, Kathangacini |
| Meru | Meru Town, Maua, Nkubu, Laare, Mikinduri, Timau |
| Kitui | Kitui Town, Mwingi, Tseikuru |
| Samburu & Isiolo | Maralal, Wamba, Isiolo Town |
| Marsabit | Marsabit Town, Moyale |
Trans Nation Sacco’s Frequently Asked Questions (FAQs)
Here is a compilation of Frequently Asked Questions (FAQs) regarding Trans Nation Sacco (TN Sacco), covering membership, savings, loans, and digital banking services.
1. Trans Nation Sacco’s Frequently Asked Questions (FAQs) on Membership & Registration
Who is eligible to join Trans Nation Sacco?
Membership is open to everyone, including salaried individuals, business owners, and those in the diaspora.
What are the requirements to join Trans Nation Sacco?
To register as a member, you need to provide:
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A fully filled TN Sacco membership form (you can also initiate registration on your phone by dialing *822*1#).
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A clear copy of your National Identity Card (both sides).
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A recent colored passport-sized photograph.
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A minimum account opening balance of Ksh 500.
Do business (non-salaried) members receive different dividend rates from Trans Nation Sacco?
No. Trans Nation Sacco treats all members equally. Dividends on share capital and interest on deposits are paid out at the exact same rate, regardless of your employment type.
2. Trans Nation Sacco’s Frequently Asked Questions (FAQs) on Shares, Deposits, & Account Management
What is the difference between Trans Nation Sacco’s Shares and Deposits?
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Shares (Share Capital): This represents your equity in the SACCO and is non-refundable (though it can be transferred or sold to another member if you choose to exit). The minimum share capital is Ksh 10,000, which can be built up gradually. Shares earn annual dividends.
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Deposits (BOSA Savings): These are refundable savings used to determine your loan eligibility. Deposits earn annual interest.
How can I make my monthly contributions or account deposits at Trans Nation Sacco?
You can deposit funds through several channels:
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M-Pesa Paybill number: 507900
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TN-Cash USSD: Dialing *822#
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The TN-Cash Mobile App
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Employer Check-off system
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Standing orders via your bank or the SACCO
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Over-the-counter cash deposits at any branch
What happens if I accidentally deposit money into a non-existent Trans Nation Sacco account?
You can correct an erroneous deposit directly via mobile. Dial *822*1# and select Option 3 (Correct deposits) to resolve the issue.
3. Trans Nation Sacco’s Frequently Asked Questions (FAQs) on Loans & Credit Facilities
How long does it take to process a Trans Nation Sacco loan?
Most conventional and mobile credit advances (like Okoa, Salary Advance, and Dividend Advance) are processed instantly.
Can I get a Trans Nation Sacco loan without guarantors?
Yes. Members can access specific loan products for up to 96 months without needing external guarantors.
Can I self-guarantee a Trans Nation Sacco Loan?
Yes, you can self-guarantee if the total loan amount you are requesting is less than or equal to 80% of your share deposits, provided you do not have any other active BOSA loan products.
Does Trans Nation Sacco clear/buy off loans from other financial institutions?
Yes. If you have an outstanding loan with another bank, SACCO, or microfinance institution, TN Sacco can buy it off. You just need to provide a current certified loan statement when applying.
Are there penalties for clearing a Trans Nation Sacco loan early?
No. No interest or early-clearance penalties are charged if you pay off your loan ahead of the contracted period. Early repayments may also reduce your overall interest burden.
4. Trans Nation Sacco’s Frequently Asked Questions (FAQs) on Digital & Mobile Banking (TN-Cash)
How do I access Trans Nation Sacco mobile banking?
You can access mobile services using two primary methods:
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USSD Code: Dial *822#
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TN-Cash Smartphone App: Available for download and activated through the USSD platform.
What services are available on TN-Cash?
The platform offers an extensive self-service menu:
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Balance & Statements: Check FOSA/BOSA balances and request mini or full statements sent to your email.
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Funds Transfer: Move money internally between your accounts, transfer money to other members, or send cash to commercial banks (Co-op, Equity, KCB, Absa, Family Bank, NBK, DTB, NCBA, I&M).
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Loan Utilities: Calculate your loan limits, apply for instant advances, check who you have guaranteed, or initiate a guarantor substitution.
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Payments: Pay utilities or merchants directly using the Lipa na TN Cash feature (Safaricom Paybill or Till numbers).
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Dividends: Generate your dividend slip or choose to capitalize your dividends directly into your deposits before they are declared.
Where can I use the TN Sacco ATM Card?
The SACCO issues VISA-branded ATM cards. You can use them to withdraw cash from any VISA-branded ATM globally, make online purchases, or pay at Point of Sale (POS) terminals (supermarkets, petrol stations, restaurants, etc.).
5. Trans Nation Sacco’s Frequently Asked Questions (FAQs) on Account Exit & Contacts
How do I withdraw or exit from Trans Nation Sacco?
Members are free to exit by providing a 60-day written notice. You must ensure that you have cleared all outstanding loan obligations and that you are no longer acting as a guarantor for any other member’s active loan.
Who can I contact for direct Trans Nation Sacco customer support?
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Customer Care/Hotline: +254 758 515 151
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Head Office: Chuka (P.O. Box 15-60400, Chuka)
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Email: [email protected]
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Major Branches: Meru, Maua, Nkubu, Isiolo, Marsabit, Moyale, Maralal, Chuka, Marimanti, Mwingi, and others.
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