Explore our products and services designed to support your financial journey with convenience and reliability. From savings and dividends to affordable loans, M-Sacco, and member welfare — we put your financial well-being at the forefront.
Together Making Life Better
Explore our products and services designed to support your financial journey with convenience and reliability. From savings and dividends to affordable loans, M-Sacco, and member welfare — we put your financial well-being at the forefront.
Up to four times your savings with competitive reducing-balance interest. Flexible repayment terms, competitive rates, and dedicated member support from Tetra Sacco.
Read moreFast-access secured loan processed within 24 hours. Flexible repayment terms, competitive rates, and dedicated member support from Tetra Sacco.
Read moreShort-term emergency financing up to KES 100,000. Flexible repayment terms, competitive rates, and dedicated member support from Tetra Sacco.
Read moreFinance land purchases up to KES 3,000,000. Flexible repayment terms, competitive rates, and dedicated member support from Tetra Sacco.
Read moreEducation financing for members' school fees needs. Flexible repayment terms, competitive rates, and dedicated member support from Tetra Sacco.
Read moreRefinance an existing loan balance under revised terms. Flexible repayment terms, competitive rates, and dedicated member support from Tetra Sacco.
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Investing in our children's future
Affordable school fees financing for members — competitive rates, flexible repayment, and fast processing when education matters most.
School Fees Loan
Together making life better
From savings and dividends to affordable credit — financial solutions for employed members and professionals who build Kenya every day.
Become a Member
M-Pesa Paybill 734425
Pay remittances through M-Pesa paybill 734425, check balances, and manage your Sacco account from your phone with Tetra M-cash — wherever you are.
Explore M-Sacco
7.5% p.a. on fixed deposits
Grow your money with a strong savings culture and fixed deposit accounts that earn competitive interest — building long-term financial security for you and your family.
View savings options
Claims payable within 48 hours
A member welfare scheme for bereavement support — monthly contributions that ensure we stand together when families need care and a dignified send-off for loved ones.
Learn about the fund
Online & PDF applications
Apply for BOSA or Malaika Junior membership online, or download and submit your signed application — joining Tetra Sacco is straightforward with support at every step.
Apply for membershipShare your details and we'll get back to you as soon as possible about membership, loans, or M-Sacco services.
Apply for Refinancing Loan and Salary Advance through our digital loan application forms.
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We are upgrading our digital presence to serve members better with online applications, calculators and news.
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Pay your Sacco remittances from home using M-Pesa paybill 734425.
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Short-term loan options processed quickly for urgent member needs.
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Use our dividend calculator and downloadable Excel tool to estimate your returns.
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Tetra Sacco helped me finance my children's school fees with a flexible repayment plan. The process was straightforward and the rates are fair.
I have been a member for over a decade. The savings culture here and annual dividends have genuinely improved my family's financial stability.
Paying my monthly remittances through M-Pesa paybill is so convenient. I no longer worry about missing my contributions.
The land loan product gave me the boost I needed to secure property. HR approval was quick and the Sacco team kept me informed throughout.
SASRA Regulated
M-Pesa Paybill 734425
Member-owned since 1983
Mcash Mobile Banking