Certificates of Deposit - 3 Years
The 3-year certificate is suitable for customers seeking a high fixed return with regular income, offering up to 18% annually when interest is paid quarterly, compared with 17.50% for monthly payouts. The ability to obtain financing of up to 90% of the certificate’s value is an additional benefit for customers who may need liquidity. However, the 3-year commitment and fixed-rate structure may limit flexibility if interest rates change. Overall, the certificate is best suited to customers who pri
- Yield by payout
- 17.5% – 18%
- Term
- 3 yrs
- Min. deposit
- EGP 10K
- Payout
- Monthly 17.5% · Quarterly 18%
Banky Analysis
Suits you if
- I need monthly income
- Several payout options
- I want a predictable return
- Fixed return for the whole term
- Keep my money reachable
- Several payout options
Not for you if
- Grow my savings the most
- Yield higher than average for this term
All of this is measured against products of 25–36 months in EGP only
Last checked Monday 02 November 2026 - 04:02 PM
Returns
- Yield type
- Fixed
- Payout
- Multiple
- Yield by payout
- Monthly 17.5% · Quarterly 18%
- ≥ EGP 10,00017.5%
- ≥ EGP 10,00018%
Amount & term
- Term
- 3 yrs
- Min deposit
- EGP 10,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- Yes
- Renewal term
- Flexible
- Available online
- Yes
- Branch visit required
- No
- National ID required
- Yes
Do the maths
Our take
Pros
- High return: The annual return reaches 18% when paid quarterly.
- Access to financing: Customers can apply for personal loans and credit cards of up to 90% of the certificate’s value.
Cons
- Fixed-rate limitation: If interest rates increase, customers will not benefit from higher rates on their existing certificate.
- Limited liquidity: The 3-year commitment may reduce flexibility in accessing the invested funds.
Our take
The 3-year certificate is suitable for customers seeking a high fixed return with regular income, offering up to 18% annually when interest is paid quarterly, compared with 17.50% for monthly payouts. The ability to obtain financing of up to 90% of the certificate’s value is an additional benefit for customers who may need liquidity. However, the 3-year commitment and fixed-rate structure may limit flexibility if interest rates change. Overall, the certificate is best suited to customers who prioritize stable returns and can maintain their investment over the medium term.
The 3-year certificate is suitable for customers seeking a high fixed return with regular income, offering up to 18% annually when interest is paid quarterly, compared with 17.50% for monthly payouts. The ability to obtain financing of up to 90% of the certificate’s value is an additional benefit for customers who may need liquidity. However, the 3-year commitment and fixed-rate structure may limit flexibility if interest rates change. Overall, the certificate is best suited to customers who pri
Compare
| Certificates of Deposit - 3 Years National Bank of Kuwait Egypt This one | Fixed certificate QNB EGYPT | National Bank of Egypt National Bank of Egypt | Prime certificate saib bank |
|---|---|---|---|
| Yield by payout | |||
| 17.5% – 18% | 17.5% – 17.65% | 17.75% – 17.85% | 17.25% – 17.75% |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 10K | EGP 1,000 | EGP 1,000 | EGP 1,000 |
| Payout | |||
| Monthly 17.5% · Quarterly 18% | Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65% | Monthly 17.75% · Quarterly 17.85% | Daily 17.25% · Monthly 17.75% |
Added Wednesday 09 September 2026 - 08:57 AM Updated Sunday 11 October 2026 - 12:50 PM