Deposit "NAKOPITELNYI"

Deposit "NAKOPITELNYI"

Deposit "Nakopitelnyi" convenient for depositors who want to accumulate and multiply savings.

Basic conditions of the deposit:

  • Minimum deposit amount is 5,000 KGS/RUB or 100 USD/EUR.
  • Top-up deposit without restrictions (except for 2 months before the end of the deposit period);
  • Opening a deposit account is possible with or without capitalization*;
  • Partial withdrawal is not provided;
  • Early termination:

- before expiration of the first 3 (three) months of the deposit term - interest on the deposit is recalculated and paid at the demand deposit rate set by the Bank**;

 - after expiration of the first 3 (three) months of the deposit term – previously accrued interest on the deposit is recalculated and paid at the rate depending on the actual time of the deposit in the amount specified in the agreement;

  • Automatic renewal of deposit is provided***.

 

Interest rates****:

        1. without capitalization of interest (monthly payment of interest):

Currency
 Terms of placement
3 months 6 months 9 months 12 months 18 months 24 months 36 months
KGS 2,0% 4,5% 6,0% 10,0%
11,0%
USD 0,0% 0,0% 0,0% 1,5%   1,5%  
EUR 0,0% 0,5% 0,5% 0,5%   1,0%  
RUB 0,0% 0,0% 0,0% 6,0%   6,0%  

 

Effective interest rate in soms up to 14,9%, in US-Dollars up to 1,5%, in euro up to 1%, in rubles up to 6,2%

2. taking into account the capitalization of interest (payment of interest at the end of the term):

Currency
 Terms of placement
3 months 6 months 9 months 12 months 18 months 24 months 36 months
KGS 1,5% 4,0% 5,0% 9,5%
10,5%
USD   0,0% 0,0% 1,0%   1,0%  
EUR   0,5% 0,5% 0,5%   1,0%  
RUB   0,0% 5,0% 5,5%   5,5%  

Effective interest rate in soms up to 13,2%, in US-Dollars up to 1%, in euro up to 1%, in rubles up to 5,6%

* Capitalization of interest is the calculation of interest to the deposit amount which allows further accrual of interest on interest.

** Demand deposit rate - 0%.

*** Automatic renewal of the deposit for the same period with the interest rate set by the Bank for this type of deposit at the time of renewal.

****The interest rates shown in the table are annual.

NOTE: The Bank reserves the right to change and set individual rates.

Rules for opening and maintaining Bank accounts in "Keremet Bank" OJSC


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