Interest Rates

	At present the Bank offers its customers deposits with monthly, quarterly, yearly payment of interest, or upon the deposit maturity period.
	The interest rates are effective from 24.01.2012 in all bank branches and in the individual customers support operational department of the Operational Center in Finance and Credit Bank Head Office.

Deposit	Minimum deposit amount	Replenishment	Interest payment	Deposit currency	Interest rate
					1 month	3 months	6 months	9 months	370 days	18 months
F&C "Classic"	500 UAH  100 USD  100 EUR  2,000 RUB	-	upon deposit maturity	UAH	11,8%	16,8%	17,5%	17,7%	18,0%	18,0%
				USD	3,25%	6,75%	7,25%	7,4%	8,0%	8,0%
				EUR	2,75%	5,25%	6,25%	6,50%	7,25%	7,25%
				RUB	-	-	5,50%	-	6,00%	6,25%

Deposit	Minimum deposit amount	Replenishment	Interest payment	Deposit currency	Interest rate
					1 month	3 months	6 months	9 months	370 days	18 months
F&C "Optima"	500 UAH  100 USD  100 EUR	permitted within the first half of the deposit agreement	quarterly	UAH	-	-	16,5%	-	17,0%	17,0%
				USD	-	-	6,25%	-	7,0%	7,0%
				EUR	-	-	5,25%	-	6,25%	6,25%

Deposit	Minimum deposit amount	Replenishment	Interest payment	Deposit currency	Interest rate
					1 month	3 months	6 months	9 months	370 days	18 months
F&C "Standard"	500 UAH  100 USD  100 EUR  2,000 RUB	-	monthly	UAH	-	16,30%	17,0%	17,20%	17,50%	17,50%
				USD	-	6,25%	6,75%	6,90%	7,5%	7,5%
				EUR	-	4,75%	5,75%	6,0%	6,75%	6,75%
				RUB	-	-	5,00%	-	5,50%	5,75%

Deposit	Minimum deposit amount	Replenishment	Interest payment	Deposit currency	Interest rate
					1 month	3 months	6 months	9 months	370 days	18 months
F&C "Capital"	50 UAH  10 USD  10 EUR	permitted	monthly(monthly capitalisation)	UAH	-	-	15,0%	-	15,5%	-
				USD	-	-	5,25%	-	6,0%	-
				EUR	-	-	4,75%	-	5,75%	-

Deposit	Minimum deposit amount	Replenishment	Interest payment	Deposit currency	Interest rate
					1 month	3 months	6 months	9 months	370 days	18 months
F&C "Pension"	100 UAH  20 USD  20 EUR	permitted for deposits placed for the term of 6 months and more, within the first half of the deposit agreement	monthly	UAH	12,3%	17,3%	18,0%	18,2%	18,5%	-
				USD	3,75%	7,25%	7,75%	7,90%	8,5%	-
				EUR	3,25%	5,75%	6,75%	7,0%	7,75%	-

Deposit	Minimum deposit amount	Replenishment	Interest payment	Deposit currency	Annual interest rate
					for 3 and more years
F&C "Long Term"	500 UAH 100 USD 100 EUR	permitted	yearly (yearly capitalisation)	UAH	15,5%
				USD	7,0%
				EUR	6,25%

Deposit	Minimum deposit amount	Replenishment	Interest payment	Interest rate
				370 days
F&C "Deposit Line"	2,000 UAH  400 USD  400 EUR	permitted	monthly	from 2,000 UAH	15,5%	400 USD	6,5%	400 EUR	5,75%
				from 50,000 UAH	16,0%	10,000 USD	6,75%	10,000 EUR	6,0%
				from 100,000 UAH	16,5%	20,000 USD	7,0%	20,000 EUR	6,25%
	On-demand amount
	-	permitted	monthly	8,0%		2,50%		2,00%

 

Deposit	Minimum deposit amount	Replenishment	Interest payment	Term	Interest rate
					UAH	USD	EUR
F&C "Excellent Seven"	2,000 UAH  200 USD  200 EUR	-	weekly	1 - 7 days	11,50%	3,00%	2,00%
				8 - 14 days	11,60%	3,10%	2,10%
				15 - 21 days	11,70%	3.20%	2.20%
				22 - 28 days	11,80%	3.30%	2.30%
				29 - 35 days	11,90%	3.40%	2.40%
				36 - 42 days	12,00%	3.50%	2.50%
				43 - 49 days	12,10%	3.60%	2.60%
				50 - 56 days	12.20%	3.70%	2.70%
				57 - 63 days	12,30%	3.80%	2.80%
				64 - 70 days	12,40%	3.90%	2.90%
				71 - 77 days	12,50%	4.00%	3.00%
				78 - 84 days	12,60%	4.10%	3.10%
				85 - 91 days	12,70%	4.20%	3.20%

Deposit	Minimum deposit amount	Replenishment	Interest payment	Deposit currency	Interest rate
					6 months		370 days
F&C "Wild Friday"	3,000 UAH  300 USD  300 EUR	-	every Friday by transferring the interest amount to a customer's payment card	UAH	16,3%		16,65%
				USD	6,25%		6,50%
				EUR	5,25%		6,25%

Deposit	Minimum deposit amount	Replenishment	Interest payment	Deposit currency	Interest rate
					6 months		370 days
F&C "Fresh Breeze"	200 UAH  20 USD  20 EUR	permitted	quarterly	UAH	16,0%		16,5%
				USD	5,75%		6,5%
				EUR	4,75%		5,75%

Deposit	Interest payment	Replenishment	Deposit amount	Interest rate
				6 months		370 days
F&C "Pound"	upon deposit maturity (the deposit is returned to the customer)	permitted	from 500  to 10,000 pound sterling	3,00%		3,50%
			over 10,000  pound sterling	4.00%		4.50%

F&C "GOLD" ( with bulions delivered phisically)
Bank metal	Minimum deposit amount	Replenishment	Interest payment	Interest rate
				6 months	370 days		18 months		24 months
Gold	50 gr	permitted within the first half of the deposit agreement, minimum replenishment amount is from 20 gr	upon deposit maturity (at the NBU rate ruling at the date of payment)	1.75%	2.25%		2.5%		2.75%

Deposits in foreign currency can be placed by non-resident natural persons for the term of 9 months and more.

LOYALTY PROGRAMME

Conditions of the bonus programme application	Volume of the increase(bonus) in the interest rate			Notes
	UAH	USD	EUR
When replacing a deposit for the term of 1 month and more	Õ	0.5%	0.5%	Deposits participating in the loyalty programme are: F&C "Classic", F&C "Optima", F&C "Standard", F&C "Capital",  F&C "Pension», F&C "Long Term", F&C "Wild Friday" è F&C "Deposit Line" (2635). There is a possibility to get an increase to the effective interest rate fixed by the deposit agreement for these deposits. The size of the bonus depends upon the deposit period.
When placing/replacing an F&C "Pension" deposit	0.25%	Õ	Õ	The bonus is added only if a customer is a pensioner and receives his retirement benefits on his account opened with Finance and Credit Bank.

Detailed conditions of deposits can be found here