Working Hours: Mon-Fri 8.30am - 4.30pm | Saturday 8:30am – 12:30pm | Sunday Closed

About Us

About Us



Kitui Teachers Sacco was founded in 1976 by 11 members with the overall objective of according each other a place to save and borrow funds. Actual lending did not start until 1978.

Initially, membership was restricted to teachers under the employ of the Government of Kenya; but the Society officially changed its by-laws and opened common bond in 2008 to absorb the employees from other government ministries and organizations.

Today, the Society has over 20,000 active members!

Mission Statement

To uplift members’ living standards through the provision of innovative and quality financial products and services.


To be a market leader in financial solutions globally.


‘Together, we make a difference’

Our Core Values

Our core values reflect the deeply held standards which guide the way we relate to each other, our members and in service delivery. In order to facilitate and support the achievements of our vision and mission, the following values guide operations, behavior and building of our Sacco culture.

  1. Fairness
  2. Integrity
  3. Team work
  4. Innovation
  5. Efficiency

Our Guiding Principles

Our Society operates under the following general principles which guide the operations:

  1. Voluntary and open membership
  2. Democratic administration and members’ leadership-members participate in developing policies and making decisions pertaining Sacco management and operations.
  3. Member Economic participation-members contribute shares, deposits, and savings and borrow loans for their investments and development.
  4. Continuous education to members and Sacco leaders-the society carries out members’ education program every year.
  1. Autonomous and self help-it’s controlled and run by members.
  2. Corporate Social Responsibility –the Sacco gives back to the community by participating in communal activities e.g visiting special schools and other community activities.
  3. Cooperation among Sacco Societies’-Sacco’s cooperate among themselves at County, National and even International levels to formulate their policies, debate on regulations and learn from each other.


The society opened a common bond in 2008 to absorb the employees from other government ministries/organizations. This was done by changing the Society’s by-laws to accommodate them.

Additional benefits to the members

  • You can have more than 2 loans running as long as there is ability to repay as compared to banks
  • Repaying a Sacco builds your savings and encourages you to save
  • We give loans on reducing balance
  • Loan clearance on behalf of the member

Membership Eligibility

Kitui Teachers Sacco ltd Membership is open to all Kenyan Nationals anywhere in the World


To join the Sacco, one needs to;

  • At least 18 years of age and have an income.
  • Complete Membership Application Form
  • Attach copy of Kenyan National Identity Card or Valid Kenyan Passport
  • Colored passport size photograph.
  • Entrance fee of Kshs.1,000
  • FOSA account opening free
  • Minimum share capital of Kshs.10,000 


To join the Sacco, one needs to;

  • Complete group membership application form.
  • Attach minutes of the group’s meeting resolving to join the Sacco.
  • Attach copies of Identification Cards, Passport and photos of authorized signatories.
  • Attach copy of group’s registration certificate.


  • The members are the owners of the society
  • The societys’ credit products are competitively priced as compared to banks and other financial institutions.
  • Savings through shares contribution
  • Payment of attractive dividends on your deposits
  • Education to Members
  • Our sacco is licensed by Sasra
  • Banking facilities at our front offices, ATM, Mobile Banking 24/7


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