3 Years Variable Plus CD
The 3-Year Savings Plus Variable-Rate Certificate offers a variable monthly return linked to the deposit rate + 0.50%, with financing available for up to 95% of the certificate’s value.
- Current annual yield · variable
- 20.5%
- Term
- 3 yrs
- Min. deposit
- EGP 1M
- Payout
- Monthly
Banky Analysis
Suits you if
- I need monthly income
- Monthly payout
- Grow my savings the most
- Yield higher than average for this term
- Keep my money reachable
- Monthly payout
Not for you if
- I want a predictable return
- The return is variable
Not known yet
1 more detail we don't have yet
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
- Compounded monthly
- Yield by payout
- Monthly
Amount & term
- Term
- 3 yrs
- Min deposit
- EGP 1,000,000
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 | 10% | بعد 6 أشهر إلى 12 شهر |
| 360 | 8% | السنة الثانية |
| 720 | 6% | السنة الثالثة |
Do the maths
Our take
Pros
- The option to obtain a loan against the certificate for up to 95% of its value
- A certificate available to individual customers.
Cons
- The minimum certificate placement amount is EGP 1 million
- The certificate cannot be redeemed during the first 6 months from the issuance date
Our take
The 3-Year Savings Plus Variable-Rate Certificate is a suitable option for individual customers seeking a variable monthly return, calculated based on the Central Bank of Egypt’s deposit rate plus 0.50%. The certificate also provides financial flexibility through the ability to obtain a loan of up to 95% of its value, with a minimum placement amount of EGP 1 million.
The 3-Year Savings Plus Variable-Rate Certificate offers a variable monthly return linked to the deposit rate + 0.50%, with financing available for up to 95% of the certificate’s value.
Compare
| 3 Years Variable Plus CD Attijariwafa bank Egypt This one | Platinum Variable Interest Certificate National Bank of Egypt | Gary Plus certificate SUEZ CANAL BANK | 3-year certificate with variable return CIB Egypt |
|---|---|---|---|
| Current annual yield · variable | |||
| 20.5% | 20.5% | 20.5% | 20.25% – 20.5% Current yield · variable |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 1M | EGP 1,000 | EGP 1,000 | EGP 1,000 |
| Payout | |||
| Monthly | Monthly | Monthly | Daily 20.25% · Monthly 20.5% |
Added Monday 29 June 2026 - 11:08 PM Updated Friday 30 October 2026 - 09:44 AM