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The best way of investing your savings in order to earn high interest rates!
A certificate of deposit is a financial instrument similar to a security. You purchase a certificate of deposit for a set term and earn a high interest return on it. If you want to invest your savings effectively for a high return, a certificate of deposit is the best way to do it.
Key benefits of a certificate of deposit:
Certificate of deposit terms:
There are two types of certificates of deposit: discount and interest-bearing
To purchase a certificate of deposit, visit any Liberty Bank branch.
Annual interest rate on certificates of deposit:
| Term (months) | GEL | USD | EUR | |||
|---|---|---|---|---|---|---|
| Nominal | Effective | Nominal | Effective | Nominal | Effective | |
| 3 | 8.70% | 8.99% | 1.60% | 1.61% | 1.20% | 1.21% |
| 6 | 9.00% | 9.20% | 2.00% | 2.01% | 1.40% | 1.40% |
| 9 | 9.40% | 9.51% | 2.30% | 2.31% | 1.80% | 1.80% |
| 12 | 9.80% | 9.80% | 2.70% | 2.70% | 2.10% | 2.10% |
| 18 | 10.10% | 9.86% | 3.20% | 3.17% | 2.60% | 2.58% |
| 24 | 10.40% | 9.91% | 3.50% | 3.44% | 2.90% | 2.86% |
| 36 | 10.50% | 9.56% | 3.60% | 3.48% | 3.00% | 2.91% |
| Term (months) | GEL | USD | EUR | |||
|---|---|---|---|---|---|---|
| Nominal | Effective | Nominal | Effective | Nominal | Effective | |
| 3 | 8.60% | 8.95% | 1.55% | 1.56% | 1.15% | 1.16% |
| 6 | 8.80% | 9.16% | 1.95% | 1.97% | 1.35% | 1.36% |
| 9 | 9.10% | 9.49% | 2.25% | 2.27% | 1.75% | 1.76% |
| 12 | 9.35% | 9.76% | 2.65% | 2.68% | 2.05% | 2.07% |
| 18 | 9.40% | 9.82% | 3.10% | 3.14% | 2.55% | 2.58% |
| 24 | 9.45% | 9.87% | 3.35% | 3.40% | 2.80% | 2.84% |
| 36 | 9.15% | 9.54% | 3.40% | 3.45% | 2.85% | 2.89% |
Repurchase of the certificate by the Bank is the Bank's right, not its obligation.
If the Bank agrees to a certificate of deposit holder's request to repurchase the certificate before maturity, the selling interest rate will be the certificate's interest rate + 4% for GEL; + 3% for USD/EUR, payable by the customer to the Bank for the remaining term of the certificate.
“Since 1 January 2018, the Bank has participated in the deposit insurance system established under the Law of Georgia “On the Deposit Insurance System”. In the event of an insured event, the available amount on the depositor's deposit/account will be reimbursed by the Deposit Insurance Agency up to GEL 50,000, while the remaining amount will be reimbursed in accordance with the procedure established by applicable legislation.”
For more information, please visit the website of LEPL Deposit Insurance Agency: [www.diagency.ge](https://www.diagency.ge).
