Fixed CDs in EGP for Three Years — bank nxt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Fixed CDs in EGP for Three Years

bank nxt · Certificates · Egyptian Pound · 5.0 · Sunday 23 August 2026 - 11:18 PM

The 3-Year Fixed-Rate EGP Savings Certificates offer an annual return of up to 18.50%, with flexible payout options and the ability to obtain financing against the certificate.

Yield by payout
18% – 18.5%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 18% · Quarterly 18.25% · Semi-annual 18.35% · Annual 18.5%

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 18% · Quarterly 18.25% · Semi-annual 18.35% · Annual 18.5%
Rate tiers
  1. ≥ EGP 1,000 Year 3Compounded monthly
    18%
  2. ≥ EGP 1,000 Year 3Compounded quarterly
    18.25%
  3. ≥ EGP 1,000 Year 3Compounded semi-annually
    18.35%
  4. ≥ EGP 1,000 Year 3Compounded annually
    18.5%

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
No
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
18010%من 7 أشهر إلى 12 شهر
3609%السنة الثانية
7208%السنة الثالثة

Do the maths

Fixed CDs in EGP for Three Years

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 5.0

5.0 Banky rating

Pros

  • The minimum certificate purchase amount is EGP 1,000 and its multiples
  • Financing can be obtained against the certificate for up to 95% of its nominal value

Cons

  • Early redemption is available after 6 months from the issuance date and before the maturity date

Our take

The 3-Year Fixed-Rate Savings Certificate is a suitable savings option for individuals seeking a stable and predictable return, with flexible payout frequencies available on a monthly, quarterly, semi-annual, or annual basis. The low minimum investment and the ability to obtain financing against up to 95% of the certificate’s nominal value provide customers with greater liquidity and financial flexibility.

The 3-Year Fixed-Rate EGP Savings Certificates offer an annual return of up to 18.50%, with flexible payout options and the ability to obtain financing against the certificate.

Compare

Alternatives at a glance
Fixed CDs in EGP for Three Years bank nxt This one Premium Certificate CIB Egypt Elite Star Certificate SUEZ CANAL BANK Prestige Certificate Credit Agricole Egypt
Yield by payout
18% – 18.5% 18% Annual yield18% Annual yield18% Annual yield
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 50K EGP 100K EGP 400K
Payout
Monthly 18% · Quarterly 18.25% · Semi-annual 18.35% · Annual 18.5% Monthly Monthly Monthly
Compare with 3 similar certificates

Added Monday 29 June 2026 - 10:25 PM Updated Saturday 10 October 2026 - 08:19 PM