Every loan starts with a savings habit
Your savings balance is the single biggest factor in what you can borrow, and it earns dividends while it waits.
Savings products
Three ways to save with Trintus, each playing a different role in your membership.
Ordinary Savings (BOSA)
Your core savings account with Trintus Sacco. Regular deposits build the savings balance that determines how much you can borrow across every loan product above.
- Minimum monthly deposit applies
- Earns dividends declared at each AGM
- The foundation for all loan eligibility
Share Capital
A one-time, non-withdrawable contribution that makes you a shareholder of the Sacco, with a say in how it's run.
- Paid once at membership registration
- Confers voting rights at the AGM
- Refundable only on exit, per Sacco by-laws
Fixed Deposit Savings
Lock in a lump sum for a set term and earn a higher rate than an ordinary savings account.
- Flexible terms from 3 to 12 months
- Competitive fixed interest
- Good for members with a lump sum to grow
What your savings can unlock
A quick look at how each loan product scales against your savings balance.
| Loan product | Amount vs. savings | Interest |
|---|---|---|
| Business Loan | Up to 3x your savings | 1.25% per month |
| Development Loan | Up to 3x your savings | 1% per month |
| Asset Finance | Based on asset value and savings | 1.5% per month |
| Emergency Loan | Up to 75% of your savings | 3% per month |
| Education Loan | Up to 2x your savings | 3% per month |
| Logbook Loan | Up to 60% of the vehicle's value | 3% per month |
How to make a deposit
Send savings via M-Pesa Paybill Number 000000 using your member number as the account number, through a standing bank order, by payroll check-off, or in person at any branch.
Start your savings account today
A small, consistent deposit now becomes real borrowing power later.