Times U Sacco Contacts and Loans Guide

Times U Sacco began in 1993 as Uruku Rural Sacco Society, serving just 200 members from the Uruku community. Times U Sacco started as a small rural cooperative managed by a single staff member, focused on mobilizing savings and providing accessible credit.

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Over time, Times U Sacco expanded beyond its original boundaries. In 2004, it introduced FOSA services and opened membership to the wider Meru region. By 2009, the society rebranded to Times U Sacco Society Limited, reflecting its broader reach and growing membership base of over 10,000 members.

Times U Sacco Background and Expansion

Initially designed to serve a specific rural community, Times U Sacco evolved alongside Kenya’s cooperative transformation. Many rural SACCOs expanded their common bonds to increase capital strength and diversify risk.

Today, Times U Sacco brings together farmers, business owners, salaried employees and organized groups. This diversification strengthens deposit mobilization and loan sustainability.

The introduction of FOSA services in 2004 marked a turning point. It allowed the Sacco to provide quasi-banking services such as withdrawals, deposits and mobile access.

Times U Sacco Loans

Times U Sacco offers loan products tailored to rural and small business economies:

• Business Advance Loan
• Crop Advance Loan
• Group Empowerment Fund
• Maziwa Loan
• Salary Advance Loan
• Soko Loan

These products reflect the agricultural and trading activities common in the Meru region.

Why Times U Sacco Loans Matter

Agriculture-based lending remains vital in Kenya’s rural counties. Crop and dairy loans help stabilize farmer incomes, especially during seasonal cycles.

By supporting farmers and small traders, Times U Sacco plays a role in strengthening local value chains.

Times U Sacco Mobile Banking

Times U Sacco provides mobile banking services through USSD technology.

To access mobile services, dial *346# and follow the instructions.

Mobile services under the M-Time platform enable:

• Deposits and withdrawals
• Share contributions
• Balance inquiries

Withdrawal services require prior registration.

Digital access improves financial inclusion in rural markets where physical banking infrastructure remains limited.

Times U Sacco Paybill Number

Times U Sacco Paybill Number is 542400.

Members can use this paybill for deposits and share contributions through M-PESA.

Mobile integration enhances transaction convenience while maintaining cooperative accountability.

Times U Sacco Branches

Times U Sacco operates several branches in the Meru region:

Nkubu Branch – Headquarters
Mitunguu Branch
Kariene Branch
Githongo Branch
Makutano Branch

This regional presence strengthens community access and supports localized service delivery.

Times U Sacco Contacts

Head Office
Located at Nkubu Town – Imenti South District
Along Meru–Nairobi Highway
Opposite Nkubu Police Station

Postal Address
P.O. Box 310-60202 Nkubu

Website: www.timesusacco.co.ke
Email: [email protected]

Head Office Contacts
Landline: 064-51191
Mobile: 0703 770457 / 0703 769923

Mitunguu Branch
Wireless: 0202465447
Mobile: 0708 955481

Kariene Market Branch
Wireless: 0202465372
Mobile: 0703 766509

Githongo Branch
Tel: 064-5051191

Makutano Branch
Mobile: 0795 019962

Times U Sacco in Kenya’s Rural Finance Model

Rural SACCOs remain critical pillars of Kenya’s cooperative movement. Unlike urban-based institutions, they often finance agriculture and small-scale trade.

Times U Sacco’s transformation from Uruku Rural Sacco reflects the broader decentralization of financial services in Kenya’s counties. As membership expanded, the Sacco strengthened its economic base.

Why This Matters

Financial inclusion in rural Kenya depends heavily on SACCO networks. Times U Sacco supports farmers and small entrepreneurs who may struggle to secure conventional bank credit.

Stable cooperative lending strengthens local economies and promotes savings discipline.

What Happens Next

Times U Sacco will likely continue expanding digital services and diversifying loan products. As fintech competition increases, mobile reliability and member trust will remain central.

Members should evaluate loan terms, dividend performance and digital accessibility when selecting cooperative services.