Who We Are

About Us

Trans-Nation Sacco Ltd (TN Sacco) formerly (THARAKA NITHI TEACHERS SACCO –TNT) was founded on 28th June1993 under registration number C/S 6826.

TNT Sacco came after the split of MERU TEACHERS SACCO SOCIETY LIMITED whose area of operation was the larger Meru District.

This split was done very amicably. The following officials participated.

The split committee from TN side:-
Mr. George M.B. Mati – The late Chairman – Split Committee
Mr. John Micheni – Member-Split Committee
Mr. Justin Ireri – Member-Split Committee
Mr. Luncham Mugambi – Ag .Manager

The Society operated from rented premises until end of January 2002 when it finally moved to its own offices in MWALIMU CENTRE building. The name of the SACCO was to denote the then Tharaka Nithi District curved from MERU DISTRICT. Tharaka Nithi was the main area of TNT Sacco operation, now split into four subcounties, Chuka Igambang’ombe, Maara, Tharaka South and Tharaka North. TN SACCO headquarters is located in Chuka Town with  ranches in Kathwana, Marimanti, Chogoria (all in Tharaka Nithi County) Meru, Maua, Nkubu, Laare, Mikinduri(Meru County), Isiolo (Isiolo County), Marsabit (Marsabit County), and six outlet in Mukothima, Kathangacini, Gatunga, Wamba in Samburu County, Tsiekuru in Mwingi County, and Moyale in Marsabit County.

Since its inception TN Sacco has grown to become one of the best Saccos, the 1st to computerize their services and the 1st to start FOSA in Kenya with a membership of about 2,644 members and a share capital of Kshs, 72,801,862. Currently it has assets close to 6.62 billion shillings and a membership of over 2700 in BOSA and over 54,000 accounts in FOSA. The Sacco is also SASRA compliant deposit taking Sacco.



To empower members through mobilization of savings, timely provision of affordable and diversified financial services for maximum returns.

Our Vision

To be a SACCO of choice in provision of quality financial services

Our values

  • Integrity
  • Team work
  • Professionalism
  • Ethical behavior
  • Quality services
  • Good governance
  • Corporate social responsibility

Our Objectives

To promote thrift amongst our members by according them an opportunity for accumulating their savings as a source of funds from which loans can be made to them exclusively for provident and productive purposes at fair and reasonable rates of interest thereby enabling them to use and control their money for their mutual benefit.