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Verified 21 September 2026

The SACCO line on a TSC payslip

By Arnold Ochieng · TSC teachers: T-Pay and TPAD hub · paybillke is an independent guide and is not affiliated with the Teachers Service Commission.

The SACCO line on a TSC payslip is money the Commission removes before you are paid and sends straight to your SACCO. Part of it is usually savings or share capital, part of it is a loan repayment if you have one. Because it never reaches your hands, a SACCO treats it as the most reliable money it lends against, which is why SACCO credit is normally the cheapest a teacher can get.

Why it is deducted rather than paid

A check-off deduction leaves the payroll before your net pay does. That is the whole basis of the arrangement: the SACCO is not relying on you to remember, and the lender risk is close to nil. It is the same mechanism as a check-off loan from a lender, run instead by a member-owned society you partly own.

Which SACCO, and why Mwalimu comes up most

Mwalimu National is the SACCO most associated with teachers, and it is the one most TSC payslips name. It is not the only option: teachers also belong to county and regional SACCOs, and some to workplace societies from a previous job.

Which one appears on your payslip is whichever you joined and authorised. If a name you do not recognise is being deducted, that is a question for TSC and the SACCO, not something to leave running.

Savings and loan repayment are not the same line

It is worth knowing which part of your deduction is building your own deposits and which part is clearing a loan, because they behave differently. Deposits are yours and grow your borrowing capacity. A loan repayment reduces a debt and ends when the loan ends. A payslip that shows one figure for both hides the difference, so ask your SACCO for the split.

What paybillke can and cannot tell you

We publish no rate, dividend or contribution figure for any teacher SACCO on this page. Those change by society and by year, and the place to read yours is your own SACCO and your payslip.

What we can point you at is the SACCO directory, the Mwalimu National loans guide, and how a SACCO dividend actually works.

Frequently asked

What is the SACCO deduction on my TSC payslip?

Money TSC removes before paying you and remits to your SACCO, usually a mix of savings and loan repayment.

Is it the same as a check-off loan?

It uses the same payroll mechanism. The difference is that a SACCO is member-owned and you are part of it.

Can I change or stop it?

Through your SACCO and TSC, not by ignoring it. Talk to the SACCO first.

Does paybillke publish SACCO rates?

Not on this page. Rates and dividends differ by society and year, so read yours from your SACCO.