Can I withdraw my Sacco savings?

This is the single most common surprise members report, and it is structural rather than an obstruction. Deposits are the money the Sacco lends to other members, so they cannot also be a current account. The model only works because that balance stays put.

If you need money you can reach during the month, establish before joining whether the Sacco is licensed to hold it, on the regulator’s published list rather than on the Sacco’s own description. If you are already a member and need to exit, ask for the notice period, how deposits are released, what happens to share capital, and how any outstanding loan or live guarantee is settled. Those are four separate answers.