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A low-risk investment option with a preferential interest rate
A term deposit is a low-risk alternative to investing, with an attractive interest rate that increases with the deposit term and amount. With a term deposit, you can receive the interest accrued on your account either at maturity or monthly, as you prefer, in accordance with the agreement concluded between the Bank and the company.
Key terms of the term deposit:
| Term (months) | GEL | USD | EUR | |||
|---|---|---|---|---|---|---|
| Nominal | Effective | Nominal | Effective | Nominal | Effective | |
| 3 | 8.70% | 8.99% | 1.20% | 1.21% | 0.70% | 0.70% |
| 4 | 8.70% | 8.96% | 1.20% | 1.20% | 0.70% | 0.70% |
| 5 | 8.70% | 8.92% | 1.20% | 1.20% | 0.70% | 0.70% |
| 6 | 9.00% | 9.20% | 1.40% | 1.40% | 0.90% | 0.90% |
| 7 | 9.00% | 9.17% | 1.40% | 1.40% | 0.90% | 0.90% |
| 8 | 9.00% | 9.13% | 1.40% | 1.40% | 0.90% | 0.90% |
| 9 | 9.10% | 9.20% | 1.70% | 1.70% | 1.20% | 1.20% |
| 10 | 9.10% | 9.17% | 1.70% | 1.70% | 1.20% | 1.20% |
| 11 | 9.10% | 9.13% | 1.70% | 1.70% | 1.20% | 1.20% |
| 12 | 9.20% | 9.20% | 2.10% | 2.10% | 1.50% | 1.50% |
| 13-17 | 9.40% | 9.23% | 2.30% | 2.29% | 1.60% | 1.59% |
| 18 | 9.40% | 9.19% | 2.40% | 2.39% | 1.70% | 1.69% |
| 19-24 | 9.50% | 9.09% | 2.50% | 2.47% | 2.00% | 1.98% |
| Term (months) | GEL | USD | EUR | |||
|---|---|---|---|---|---|---|
| Nominal | Effective | Nominal | Effective | Nominal | Effective | |
| 3 | 8.60% | 8.95% | 1.15% | 1.16% | 0.65% | 0.65% |
| 4 | 8.60% | 8.95% | 1.15% | 1.16% | 0.65% | 0.65% |
| 5 | 8.60% | 8.95% | 1.15% | 1.16% | 0.65% | 0.65% |
| 6 | 8.80% | 9.16% | 1.35% | 1.36% | 0.85% | 0.85% |
| 7 | 8.80% | 9.16% | 1.35% | 1.36% | 0.85% | 0.85% |
| 8 | 8.80% | 9.16% | 1.35% | 1.36% | 0.85% | 0.85% |
| 9 | 8.80% | 9.16% | 1.65% | 1.66% | 1.15% | 1.16% |
| 10 | 8.80% | 9.16% | 1.65% | 1.66% | 1.15% | 1.16% |
| 11 | 8.80% | 9.16% | 1.65% | 1.66% | 1.15% | 1.16% |
| 12 | 8.80% | 9.16% | 2.05% | 2.07% | 1.45% | 1.46% |
| 13-17 | 8.90% | 9.27% | 2.25% | 2.27% | 1.55% | 1.56% |
| 18 | 8.80% | 9.16% | 2.35% | 2.38% | 1.65% | 1.66% |
| 19-24 | 8.70% | 9.06% | 2.40% | 2.43% | 1.95% | 1.97% |
*The effective interest rate is calculated on the following assumption: the depositor places 1,000.00 (GEL, USD, EUR) on deposit on 01 January 2018 and withdraws the interest on the first day of each following month. The maximum effective interest rates are shown. The effective interest rate on the deposit is calculated taking into account the fee for withdrawing funds from the account.
If the deposit agreement is terminated before maturity, the following annual interest rates will apply to the deposit:
“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).
