When it comes to money market vs sacco, there are a number of factors to consider. In Money Market Funds, you can access your money anytime you want. However, in a Sacco, you have to first resign as a member. Secondly, wait for the stipulated time to get your deposits. Similarly, you have to find a member willing to purchase your Sacco shares. Further, your money is automatically COMPOUNDED every month in Money Market Funds. In contrast, Saccos in Kenya pay a weighted interest on your deposits with no automatic compounding. Finally, MMFs are earning higher if not similar interest to Sacco deposits. For example, my Sacco pays 8.25% whereas CIC Money Market Fund is paying 9.0%. However, Saccos are excellent for those who want quick and cheap loans. For example, my Sacco offers loans of up to 4 times the deposits at 12% reducing balance. See below why you should use your MMF deposits as security for your Sacco loan :) How to get Interest free Sacco loans using Money Market Funds in Kenya