• Open to all Sacco members who want to save bit by bit without withdrawing until a specified long period.
• Minimum monthly contribution of Ksh.200
• Accumulated savings can be accessed after 36 months (in full) or maybe re-invested for a similar period.
• Rate of interest rates 10% p. a calculated annually but paid on expiry of the term.
• Deposits should be regular and consistent
• All withdrawals made before the specified term not to earn interest
• Dormant accounts do not earn interest.