Personal Banking

Step down CDs EGP - 3 years Step down CDs EGP - 3 years
  • Offered to individuals only.
  • The certificate is issued in Egyptian pounds.
  • Tenor 3 years
  • Step down Fixed Rate annual interest credited to the account.
    • 27% 1st Year
    • 21% 2nd Year
    • 17% 3rd Year
  • Minimum opening balance is 1000 EGP and its incremental.
  • Secured Facilities: Available up to 95% against the CD amount.
  • Redemption after six months as follows and before Maturity date.

 

  • Redemption Rules:
    • After Seven months and till end of year one 19%
    • After Year one and till end of year two 15%
    • After Year two and till end of year three 12%
Fixed CDs in EGP for Three Years Fixed CDs in EGP for Three Years

Features and Benefits:

  • Available to individuals only
  • Currency: EGP
  • Tenor: Three years
  • Fixed annual interest credited to the account, as follows:
    • 21.50% monthly
    • 21.75% quarterly
    • 22% annually
  • Minimum opening balance: EGP 1,000 and its multiples
  • Secured Facilities: Available up to 95% against the CD
  • Redemption after six months as follows and before the maturity date

Redemption Rules:

  • After Six months and until the end of year one: 12.25%
  • After year one and until the end of year two: 11.25%
  • After year two and until the end of year three: 10.25%
Floating Certificates of Deposit (CDs) EGP – Tharwa Floating Certificates of Deposit (CDs) EGP – Tharwa

Features and Benefits:

  • Available to individuals only.
  • Currency: EGP
  • Tenor: Three years
  • Minimum balance for applying is 200K and 10K for Premier customers
  • Variable interest rate
    • 27.00% monthly
    • 27.25% quarterly
  • Secured facilities: Lending against CD is up to 95% of its value
  • Redemption is allowed after the first six months, as follows:

Redemption Rules:

  • After seven months and until the end of year one: 4%
  • After year one and until the end of year two: 3%
  • After year two and until the end of year three: 2%
Fixed CDs EGP - 5 years Fixed CDs EGP - 5 years
  • Offered to individuals only
  • The certificate is issued in Egypt pounds
  • Tenor 5 years
  • Fixed annual interest
    • 12.25% monthly
    • 12.50% quarterly
    • 12.75% annually
  • Minimum Opening Balance 1000 EGP and incremental of 1000 EGP.
  • Secured Facilities: Available 95% against the CD
  • Redemption allowed after 6 months as follow

Redemption Rules:

  • After Seven Months and till end of year one 5.5%
  • After Year one and till end of year two 5%
  • After Year two and till end of year three 4.5%
  • After Year three and till end of year five 4%

 

 

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Fixed Certificates of Deposit (CDs) USD - Three years Fixed Certificates of Deposit (CDs) USD - Three years

Features and Benefits:

  • Offered to individuals and corporate
  • Currency: USD
  • Tenor: Three years
  • Three-year interest rate:
    • 5.15% monthly
    • 5.20% quarterly
    • 5.25% semi-annually
    • 5.30% annually
  • Minimum opening balance: USD 500 and its
  • Secured facilities: Available up to 95% against the CD
  • USD Fixed CDs redemption rules after six months and before the maturity date 

Three-Year Redemption Fees:

  • Redemption after six months and less than one year: 4.50%
  • Redemption after one year and less than two years: 4%
  • Redemption after two years and less than three years: 3.50%
Fixed Certificates of Deposit (CDs) USD - Five Years Fixed Certificates of Deposit (CDs) USD - Five Years

Features and Benefits:

  • Offered to individuals and corporate clients
  • Currency: USD
  • Five-year interest rate:
    • 2.25% quarterly
    • 2.25% semi-annually
    • 2.25% annually
  • Minimum opening balance: USD 500 and its multiples
  • Secured facilities: Available up to 95% against the CD
  • USD Fixed CDs redemption rules after six months and before the maturity date 

Five-Year Redemption Fees:

  • Redemption after six months and less than one year apply rack rate of TD of the same tenor.
  • Redemption after one year and before the end of five years apply rack rate of 1-year TD