Tramom Deposit Account

This is our membership account.
Funds deposited into this account are non-withdrawable during the lifetime of one’s membership but can be withdrawn either on termination of membership or at death.
The non-withrawable nature of this account will, in itself, ensure you have some savings tucked up somewhere for that rainy day.
With this account, you have unlimited access to all our tailor-made loan products.Savings in this account earn interest every year based on the Sacco performance

Tramom Shares Account

Every Tramom Sacco member is required to hold a minimum of 25 shares valued at Kes 200.
The shares have a higher return in form of dividends as compared to all other saving products and are a very lucrative area of investment in the Sacco.
Shares cannot be withdrawn but can be transferred to other members of the Sacco.

Tramom Holiday savings Account

Our holiday savings account gives you an opportunity to save part of your regular earnings in a withdrawal-restricted account for an upcoming future expenditure such as Christmas, family get-together or any other activity of interest.
This account only allows a one-off withdrawal done in the month of December
No minimum or maximum limit on savings.
A member can begin saving at any time of the year and withdraw the savings at the end of that same year without any penalty or restrictions.Benefits:
The Savings in this account earn competitive interest.

Tramom Toto savings Account

Teach your child a good saving culture from an early age by opening for him the Tramom Sacco toto account.

With this account you can save for your child progressively as he/she grows.

The savings earn interest every year.

The funds held in this account are withdrawable four times in a year especially tied down to the school calendar to enable stress-free settlement of school fees.
There are no minimum or maximum deposits; saving is done as per a member’s ability.
For newborn babies, we require a birth notification certificate for account opening while for older children; we shall require a birth certificate.

With the Toto Account, you have an opportunity to save for your child’s future right form birth.
Savings held in this account earn an interest every year.
Every account holder has an opportunity to enter our end of the year Toto account promotion and win exciting cash prizes for their Christmas shopping.

Tramom Group savings Account.

Are you members of a Chama, Church group, Community Based Organization, Welfare Organization, Boda boda Welfare or any group engaged in legal socio-economic activities?
Are you looking for a way to grow your savings to enable you meet the goals of your group?
Are you looking for a way to access big loans at low and stable interest rates?
Then you have arrived.
Our group savings account operates the same facilities as our Deposit Account, but tailored for groups.

Funds held in this account are non-withdrawable during the lifetime of the group’s membership but can be withdrawn at on termination of membership.
Members of the group contribute their savings at their own meeting and convenience then hand over to their officials to deposit into their group savings account.
The Sacco does not interfere with the managerial, administrative, social or Democratic activities of the group. Tramom Sacco restricts herself to accepting savings and advancing loans to the group.

Access to cheap unsecured loan products to fund the group’s economic activities.
Ability to access big loans guaranteed by the members’ pooled savings.
Handsome interest on deposits as declared by the delegates at the ADM of every year.
Members of your group have an opportunity to both join the Sacco as a group and as individuals i.e. you can join the Tramom Sacco as a group and still open your own individual membership accounts.
Your rights to saving and loan products as an individual member will not be infringed by your membership to your group.