Fixed Certificates of Deposit (CDs) USD - Five years — bank nxt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Fixed Certificates of Deposit (CDs) USD - Five years

bank nxt · Certificates · US Dollar · 3.0 · Monday 24 August 2026 - 12:12 AM

The 5-Year Fixed-Rate USD Certificates offer a fixed annual return of 2.25%, with multiple payout options

Yield by payout
2.25%
Term
5 yrs
Min. deposit
USD 500
Payout
Monthly 2.25% · Quarterly 2.25% · Semi-annual 2.25% · Annual 2.25%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • I want a predictable return
    • Fixed return for the whole term

Not for you if

  • Grow my savings the most
    • Yield lower than average for this term
  • Keep my money reachable
    • Longer lock-in

All of this is measured against products of 37–60 months in USD only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Fixed
Payout
Multiple
Yield by payout
Monthly 2.25% · Quarterly 2.25% · Semi-annual 2.25% · Annual 2.25%
Rate tiers
  1. Any amount Year 5Compounded monthly
    2.25%
  2. Any amount Year 5Compounded quarterly
    2.25%
  3. Any amount Year 5Compounded semi-annually
    2.25%
  4. Any amount Year 5Compounded annually
    2.25%

Amount & term

Term
5 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

Do the maths

Fixed Certificates of Deposit (CDs) USD - Five years

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

Enter values to see the result.

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

Our take 3.0

3.0 Banky rating

Pros

  • multiple payout options: monthly, quarterly, semi-annually, and annually

Cons

  • Early redemption after 6 months and before the end of the first year is subject to the applicable interest rate for deposits with the same tenor.

Our take

The 5-Year Fixed-Rate USD Certificates are a suitable long-term investment option for individuals and legal entities seeking to invest in U.S. dollars, offering a fixed annual return of 2.25% with flexible monthly, quarterly, semi-annual, or annual payout options. The early redemption terms also provide customers with access to liquidity based on the applicable deposit rates for the relevant redemption period.

The 5-Year Fixed-Rate USD Certificates offer a fixed annual return of 2.25%, with multiple payout options

Compare

Alternatives at a glance
Fixed Certificates of Deposit (CDs) USD - Five years bank nxt This one US Dollar alfursah Certificate saib bank MID BANK S.A.E Three-Year Fixed-Rate Certificate of Deposit in USD MID BANK Triple Dollar Savings Certificate Credit Agricole Egypt
Yield by payout
2.25% 2.25% 2.25% Annual yield2.25% Annual yield
Term
5 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
USD 500 USD 100 USD 1,000 USD 0
Payout
Monthly 2.25% · Quarterly 2.25% · Semi-annual 2.25% · Annual 2.25% Monthly 2.25% · Quarterly 2.25% · Semi-annual 2.25% · Annual 2.25% Monthly Monthly
Compare with 3 similar certificates

Added Monday 29 June 2026 - 11:06 PM Updated Saturday 10 October 2026 - 08:23 PM