These deposits may be used as collateral against borrowings from the Society and shall only be refunded when a member withdraws from membership and provided the member has fully repaid all his debts and is free from guarantee. Deposits may however be transferable from one deposit account to another provided the transaction does not contravene the Savings policy.

Unwithdrawable deposits shall be contributed on a monthly basis or at such prescribed periods and in such amounts as may be prescribed in this policy. Unwithdrawable deposits shall be refundable within sixty days after receiving a written notification from the member.
Interest on deposits shall be paid at a rate that shall be determined by the board at the end of the year after audit has been completed.