We understand that sometimes you feel much comfortable to withdraw some of the savings balance rather than applying for a loan. As an active member for no less than 90 days, you can always withdraw up to 50% of your total balance provided that there is no loan balance due/unpaid, the membership is not frozen and there's no miss/late payment in the last three months. And, once you withdraw some savings balance, you won't be able to apply for a loan for the next three months. And, your monthly deposit won't stop anyway unless you freeze your membership.