Savings are the regular contributions by a Member which must be made monthly. The minimum savings amount that may be saved by a member is GHS 20.00 and can vary on monthly basis depending on the members ability to save more than the GHS 20.00. Member savings can be withdrawn if the Member is not indebted to the Credit Union or indebtedness falls below the Savings amount. The minimum savings balance that must be maintained in the member's account at a time is GHS 100.00.