Three-Year Variable Certificate — Housing and Development Bank | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Three-Year Variable Certificate

Housing and Development Bank · Certificates · Egyptian Pound · 4.5 · Sunday 13 September 2026 - 11:34 AM

A flexible variable-rate certificate offering high returns with a guaranteed minimum yield of 17.25% and a low entry amount of EGP 500.

Current yield · variable
20% – 20.35%
Term
3 yrs
Min. deposit
EGP 500
Payout
Daily 20% · Monthly 20.25% · Quarterly 20.3% · Semi-annual 20.35%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Grow my savings the most
    • Yield higher than average for this term
  • Keep my money reachable
    • Several payout options

Not for you if

  • I want a predictable return
    • The return is variable

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
Floating
Payout
Multiple
Yield by payout
Daily 20% · Monthly 20.25% · Quarterly 20.3% · Semi-annual 20.35%
Rate tiers
  1. ≥ EGP 500 Daily
    20%
  2. ≥ EGP 500 Compounded monthly
    20.25%
  3. ≥ EGP 500 Compounded quarterly
    20.3%
  4. ≥ EGP 500 Compounded semi-annually
    20.35%

Amount & term

Term
3 yrs
Min deposit
EGP 500

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
3 yrs
Available online
No
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
1808%بعد مرور 6 أشهر
3657%خلال السنة الثانية
7206%خلال السنة الثالثة

Do the maths

Three-Year Variable Certificate

Compute the total return and profit on a savings certificate, by payout.

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.5

4.5 Banky rating

Pros

  • A variable return linked to interest rates with a guaranteed minimum yield of 17.25%, allowing customers to benefit from potential future rate increases.

Cons

  • The return may decline if interest rates decrease in the future, as the certificate carries a variable-rate structure.

Our take

Housing & Development Bank’s 3-year variable certificate is a suitable option for customers who expect interest rates to remain high or increase in the future. The certificate offers a variable return linked to market rates while maintaining a guaranteed minimum yield of 17.25%. It also provides flexibility through daily monthly, quarterly, and semi-annual payout options, making it suitable for different income needs. In addition, the low minimum purchase amount of EGP 500 makes it accessible to a wide range of savers.

A flexible variable-rate certificate offering high returns with a guaranteed minimum yield of 17.25% and a low entry amount of EGP 500.

Compare

Alternatives at a glance
Three-Year Variable Certificate Housing and Development Bank This one saib prime certificate saib bank infinity certificate SUEZ CANAL BANK Variable certificate QNB EGYPT
Current yield · variable
20% – 20.35% 20% – 20.5% 20% Current annual yield · variable20% – 20.5%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 500 EGP 1,000 EGP 5M EGP 1,000
Payout
Daily 20% · Monthly 20.25% · Quarterly 20.3% · Semi-annual 20.35% Daily 20% · Monthly 20.5% Daily Monthly 20.5% · Quarterly 20%
Compare with 3 similar certificates

Added Sunday 13 September 2026 - 11:29 AM Updated Friday 30 October 2026 - 01:32 PM