Certificates & Saving Deposits

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Certificates & Saving Deposits
Loan Amount Is Required
  • Interest Rate High To Low
  • Interest Rate Low To High
  • Bank Name A-Z
  • Bank Name Z-A
Arab African International Bank (AAIB)

Arab African International Bank (AAIB)

Average Interest Rate

10.88% Fixed


Duration

5 Years

Interest Amount/ Return

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Interest Payment Frequency

Annual

General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Source of Funds

Proof of Income If Not Stated on ID

National ID

Secured Facilities

Type: Over Draft

Over Rate: 2.00%

High Debt Balance: 0.15%

Financial Ratio: 90.00%



Type: Medium Term Loan

Over Rate: 2.00%

Admin Fees: 1.50%

Financial Ratio: 97.00%

Extended Duration: Not Available



General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Source of Funds

Proof of Income If Not Stated on ID

National ID

Secured Facilities

Type: Over Draft

Over Rate: 2.00%

High Debt Balance: 0.15%

Financial Ratio: 90.00%



Type: Medium Term Loan

Over Rate: 2.00%

Admin Fees: 1.50%

Financial Ratio: 97.00%

Extended Duration: Not Available



Arab African International Bank (AAIB)

Arab African International Bank (AAIB)

Average Interest Rate

0.44% Fixed


Duration

5 Years

Interest Amount/ Return

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Interest Payment Frequency

Monthly

General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



Attijariwafa Bank

Attijariwafa Bank

Average Interest Rate

2.25% Fixed


Duration

3 Years

Interest Amount/ Return

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Interest Payment Frequency

Quarterly

General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



First Abu Dhabi Bank (FAB)

First Abu Dhabi Bank (FAB)

Average Interest Rate

7.50% Floating


Duration

3 Years

Interest Amount/ Return

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Interest Payment Frequency

Annual

General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID Valid

Secured Facilities

Type: Over Draft

Over Rate: 4.00%

High Debt Balance: 0.15%

Financial Ratio: 95.00%



Type: Medium Term Loan

Over Rate: 4.00%

Admin Fees: 2.50%

Financial Ratio: 95.00%

Extended Duration: Not Available



General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID Valid

Secured Facilities

Type: Over Draft

Over Rate: 4.00%

High Debt Balance: 0.15%

Financial Ratio: 95.00%



Type: Medium Term Loan

Over Rate: 4.00%

Admin Fees: 2.50%

Financial Ratio: 95.00%

Extended Duration: Not Available



Commercial International Bank (CIB)

Commercial International Bank (CIB)

Average Interest Rate

1.75% Fixed


Duration

3 Months

Interest Amount/ Return

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Interest Payment Frequency

At Maturity

General Conditions

Type: Time Deposit

*1 LE stamp Fees * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



General Conditions

Type: Time Deposit

*1 LE stamp Fees * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



Bank Audi

Bank Audi

Average Interest Rate

5.25% Fixed


Duration

1 Years

Interest Amount/ Return

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Interest Payment Frequency

At Maturity

General Conditions

Type: Time Deposit

*1 LE stamp Fees * For those < 21 Years old, A guardian is required

Requirements

Source of Funds

Proof of Income If Not Stated on ID

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



General Conditions

Type: Time Deposit

*1 LE stamp Fees * For those < 21 Years old, A guardian is required

Requirements

Source of Funds

Proof of Income If Not Stated on ID

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



Hongkong and Shanghai Banking Corporation (HSBC)

Hongkong and Shanghai Banking Corporation (HSBC)

Average Interest Rate

10.00% Fixed


Duration

3 Years

Interest Amount/ Return

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Interest Payment Frequency

Annual

General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 2.00%

High Debt Balance: 0.20%

Financial Ratio: 90.00%



Type: Medium Term Loan

Over Rate: 4.00%

Admin Fees: 1.50%

Financial Ratio: 90.00%

Extended Duration: available



General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 2.00%

High Debt Balance: 0.20%

Financial Ratio: 90.00%



Type: Medium Term Loan

Over Rate: 4.00%

Admin Fees: 1.50%

Financial Ratio: 90.00%

Extended Duration: available



Banque du Caire (BDC)

Banque du Caire (BDC)

Average Interest Rate

10.25% Fixed


Duration

3 Years

Interest Amount/ Return

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Interest Payment Frequency

Monthly

General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Source of Funds

Proof of Income If Not Stated on ID

National ID

Secured Facilities

Type: Over Draft

Over Rate: 2.00%

High Debt Balance: 0.30%

Financial Ratio: 90.00%



Type: Medium Term Loan

Over Rate: 2.00%

Admin Fees: 1.50%

Financial Ratio: 90.00%

Extended Duration: available



General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Source of Funds

Proof of Income If Not Stated on ID

National ID

Secured Facilities

Type: Over Draft

Over Rate: 2.00%

High Debt Balance: 0.30%

Financial Ratio: 90.00%



Type: Medium Term Loan

Over Rate: 2.00%

Admin Fees: 1.50%

Financial Ratio: 90.00%

Extended Duration: available



Societe Arabe Internationale De Banque (SAIB)

Societe Arabe Internationale De Banque (SAIB)

Average Interest Rate

2.25% Fixed


Duration

3 Years

Interest Amount/ Return

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Interest Payment Frequency

Monthly

General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



General Conditions

Type: Certificate Deposit

* CDs cannot be Broken before 6 months from issuance * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



Hongkong and Shanghai Banking Corporation (HSBC)

Hongkong and Shanghai Banking Corporation (HSBC)

Average Interest Rate

6.50% Fixed


Duration

1 Years

Interest Amount/ Return

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= NaN %

Interest Payment Frequency

At Maturity

General Conditions

Type: Time Deposit

*1 LE stamp Fees * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



General Conditions

Type: Time Deposit

*1 LE stamp Fees * For those < 21 Years old, A guardian is required

Requirements

Proof of Income If Not Stated on ID

Source of Funds

National ID

Secured Facilities

Type: Over Draft

Over Rate: 0.00%

High Debt Balance: 0.00%

Financial Ratio: 0.00%



Type: Medium Term Loan

Over Rate: 0.00%

Admin Fees: 0.00%

Financial Ratio: 0.00%

Extended Duration: Not Available



What are Certificates of Deposits “CDs” & Term Deposits “TDs”?

CDs and TDS are saving instruments that are offered by most banks, whereby you deposit a certain sum of money with the bank for a specific period and they pay you an agreed-upon interest rate.

What is the difference between Certificates of Deposits “CDs” & Term Deposits “TDs”?

While CDs & TDs seem to be different instruments, they are actually the same thing. CDs typically refer to deposits with a period of greater than one year while TDS to deposits with a period of less than one year.

What are the main factors to consider when researching CDs & TDs?

There are a few factors you need to decide on before you start comparing between different CDs & TDs. Namely:

  • Currency : Both saving instruments are offered in multiple currencies (Egyptian Pounds, US Dollars, Euros, and British Pounds)
  • Interest Rate Fixed vs. Floating : You either have a fixed interest rate for the entire period, or one that changes based on the changes done by the central bank of Egypt. Fixed is a safer investment that protects against any reduction in interest rates but loses you the potential in interest rate increases.
  • Time Period : The amount you plan to invest can be between 1 month and up to 10 years.
  • Breakage Penalties : Some of the products can include breakage penalties if you decide to withdraw your funds before the agreed time period or tenor

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