- Eligible to all members
- Minimum balance ksh 1000
- Date of maturity to be stated by the member.
- No withdrawal shall be made from the account until maturity.
- Any withdrawal from the account before the maturity date shall attract a penalty of 5% of the amount withdrawn.
- Amount shall earn interest at the prevailing market rates. But the minimum shall be 5%
- Any amount withdrawn before maturity date shall forfeit interest.