Banking markets are awaiting the Central Bank of Egypt's decision on interest rates at its upcoming meeting on 24 September 2026, amid growing interest from savers in the best fixed-return savings products. 3-year certificates with quarterly payout top the list of preferred options for those who want to lock in a fixed, regular return on their savings over a long period, especially as banks continue to compete on offering high interest rates.

In this report, Banky tracks the top 10 fixed-rate 3-year savings certificates with interest paid quarterly ahead of the upcoming CBE meeting.

1- Mid Elite certificate from MIDBANK

  • Interest rate: 18.35%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 100,000

2- Elite certificate from Export Development Bank of Egypt (EBE)

  • Interest rate: 18.35%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 10,000

3- 3-year certificate from Bank NXT

  • Interest rate: 18.25%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 1,000

4- Al Safwa certificate from Kuwait Finance House (KFH) Egypt

  • Profit rate: 18.25%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 50,000

5- Ikhtiarak certificate from Industrial Development Bank

  • Interest rate: 18.25%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 5,000

6- Emerald certificate from Arab African International Bank (AAIB)

  • Interest rate: 18%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 1,000

7- 3-year certificate from National Bank of Kuwait – Egypt (NBK Egypt)

  • Interest rate: 18%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 10,000

8- Classic certificate from Suez Canal Bank

  • Interest rate: 17.85%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 1,000

9- Platinum certificate from National Bank of Egypt (NBE)

  • Interest rate: 17.85%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 1,000

10- Al Qemma certificate from Banque Misr

  • Interest rate: 17.85%

  • Tenor: 3 years

  • Payout frequency: quarterly

  • Minimum: EGP 1,000