Personal Banking

Floating CDs EGP – Tharwa
  • offered to individuals only
  • the certificate is issued in Egypt pounds
  • tenor 3 years
  • variable interest rate
    • 16% monthly
    • 16.25% quarterly
  • Secured facilities: Lending against CD is up to 95% of its value.
  • The Redemption table as follows; allowed only after the first six months.

Redemption:

  • Seven months to one year 4%
  • Year one to year two 3%
  • Year two to year three 2%

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Fixed CDs EGP - 5 years
  • offered to individuals only
  • the certificate is issued in Egypt pounds
  • tenor 5 years
  • fixed annual interest
    • 12.25% monthly
    • 12.5% quarterly
    • 12.75% annually
  • Minimum Opening Balance 10,000 EGP and incremental of 1000 EGP.
  • Secured Facilities: Available 95% against the CD
  • The redemption is allowed after 6 months; the redemption criteria as follow

Redemption:

  • Seven months to one year 5.5%
  • year Two 5%
  • year Three 4.5%
  • year Five 4%

 

 

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Fixed CDs USD - 2 years
  • offered to individuals only
  • the certificate is issued in USD
  • tenor 2 years
  • fixed annual interest 2.25% credited to the account monthly , quarterly , half quarterly , annually
  • Minimum Opening Balance 5,000 USD and incremental of 1000 USD.
  • Secured Facilities: Available 95% against the CD
  • USD Fixed CDs redemption rules after 6 months and before maturity date    

Redemption :

  • redemption after 6 month's less than 1 year apply rack rate of T/D of same tenor   
  • redemption after 1 year less than 2 years apply rack rate of 1 year T/D   

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Fixed CDs USD - 3 years , 5 years
  • Offered to Individuals & corporate customers
  • the certificate is issued in USD
  • tenor 3 years, 5 years
  • 3 Years Interest rate:
    • 5.15% Monthly
    • 5.20% Quarterly
    • 5.25% Semi-Annually
    • 5.30% Annually
  • 5 Years fixed annual interest 2.25% credited to the account monthly , quarterly , semi annualy , annually
  • Minimum Opening Balance 500 USD and incremental of 500.
  • Secured Facilities: Available 95% against the CD
  • USD Fixed CDs redemption rules after 6 months and before maturity date 

3 years Redemption fees:

  • redemption after 6 month's less than 1 year  4.50%
  • redemption after 1 year less than 2 years  4%
  • redemption after 2 years less than 3 years 3.50%

5 years Redemption fees:

  • redemption after 6 month's less than 1 year apply rack rate of T/D of same tenor
  • redemption after 1 year less than 5 years apply rack rate of 1 year T/D

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