Fixed USD Certificate of Deposit
A three-year USD savings certificate offering a fixed annual return of 3%, paid monthly, with a minimum investment of USD 500, early redemption after six months, and borrowing facilities of up to 95% of its value.
- Annual yield
- 3%
- Term
- 3 yrs
- Min. deposit
- USD 500
- Payout
- Monthly
Banky Analysis
Suits you if
- I need monthly income
- Monthly payout
- I want a predictable return
- Fixed return for the whole term
- Keep my money reachable
- Monthly payout
Not for you if
- Grow my savings the most
- Yield lower than average for this term
Not known yet
1 more detail we don't have yet
All of this is measured against products of 25–36 months in USD only
Last checked Monday 02 November 2026 - 04:02 PM
Returns
- Yield type
- Fixed
- Payout
- Compounded monthly
- Yield by payout
- Monthly
Amount & term
- Term
- 3 yrs
- Min deposit
- USD 500
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- No
- Renewal term
- Flexible
- Available online
- Yes
- Branch visit required
- Yes
- National ID required
- Yes
| From day | Penalty | Description |
|---|---|---|
| 180 | 1% | السنة الأولي |
| 360 | 0.75% | السنة الثانية |
| 720 | 0.5% | السنة الثالثة |
Do the maths
Our take
Pros
- Borrow up to 95% of the certificate’s value.
- The return will be automatically credited to your USD current or savings account.
Cons
- Profit Payout Frequency: Monthly Only
Our take
The Fixed-Rate USD Savings Certificate is an investment product that allows customers to save in US dollars for a three-year term, with a minimum purchase amount of USD 500 and multiples thereof. It offers a competitive fixed annual interest rate of 3%, paid monthly and automatically credited to the customer’s USD current or savings account. The certificate can be redeemed after six months from the date of issuance and also provides the option to borrow up to 95% of its value against the certificate, offering customers a reliable source of periodic income while maintaining their savings in US dollars.
A three-year USD savings certificate offering a fixed annual return of 3%, paid monthly, with a minimum investment of USD 500, early redemption after six months, and borrowing facilities of up to 95% of its value.
Compare
| Fixed USD Certificate of Deposit Al Ahli Bank of Kuwait – Egypt This one | Savings certificates with a fixed return in US dollars (5 years) SUEZ CANAL BANK | 3-year US dollar savings certificates with fixed interest Emirates NBD | Dollar certificate, 7 years CIB Egypt |
|---|---|---|---|
| Annual yield | |||
| 3% | 3% – 3.15% Yield by payout | 2.85% – 3.1% Yield by payout | 3.25% |
| Term | |||
| 3 yrs | 5 yrs | 3 yrs | 7 yrs |
| Min. deposit | |||
| USD 500 | USD 100 | USD 5,000 | USD 1,000 |
| Payout | |||
| Monthly | Monthly 3% · Quarterly 3.05% · Semi-annual 3.1% · Annual 3.15% | Monthly 2.85% · Quarterly 2.95% · Semi-annual 3% · Annual 3.1% | Monthly |
Added Monday 12 October 2026 - 09:06 PM Updated Friday 23 October 2026 - 02:19 PM