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Interest Rates
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At present the Bank offers its customers deposits with monthly, quarterly, yearly payment of interest, or at deposit maturity. |
| The interest rates are effective from 30.03.2012 in all bank branches and in the individual customer support operational department of the Operational Center in Finance and Credit Bank Head Office. |
| Deposit type |
Deposit period |
interest rates on deposits, % per annum |
possibility of replenishment or partial withdrawal |
| UAH |
USD |
EUR |
RUB |
GBP |
| Maximum income |
F&C "Classic",
interest is paid at deposit maturity |
|
from UAH 500 |
from
USD 100 |
from EUR 100 |
from RUB 2000 |
from GBP 500 |
there is no possibility to replenish the deposit or withdraw it in part |
| 1 month |
10,50% |
2,25% |
1,75% |
- |
- |
| 3 months |
15,50% |
5,75% |
4,25% |
- |
- |
| 6 months |
16,50% |
6,75% |
5,75% |
5,50% |
3,00% |
| 370 days |
17,00% |
8,00% |
7,25% |
6,00% |
3,50% |
| 18 months |
17,00% |
8,00% |
7,25% |
6,25% |
- |
F&C "Standard",
monthly interest payment |
|
from UAH 500 |
from
USD 100 |
from
EUR 100 |
from
RUB 2000 |
õ |
there is no possibility to replenish the deposit or withdraw it in part |
| 3 months |
15,00% |
5,25% |
3,75% |
- |
- |
| 6 months |
16,00% |
6,25% |
5,25% |
5,00% |
- |
| 370 days |
16,50% |
7,50% |
6,75% |
5,50% |
- |
| 18 months |
16,50% |
7,50% |
6,75% |
5,75% |
- |
| Accumulation accounts with the replenishment possibility |
F&C "Optima",
quarterly interest payment |
|
from UAH 500 |
from
USD 100 |
from
EUR 100 |
õ |
õ |
replenishment is possible during the first half of the agreemet validity period, partial withdrawal is not permitted.
The deposit may be withdrawn in full every 3 months from the date of entering into the agreement without recalculation of the interest |
| 6 months |
15,50% |
5,75% |
4,75% |
- |
- |
| 370 days |
16,00% |
7,00% |
6,25% |
- |
- |
| 18 months |
16,00% |
7,00% |
6,25% |
- |
- |
| F&C "Line of Deposit", universal deposit with monthly interest payment |
minimum balance (370-day period) |
freely available funds (not limited) |
replenishment is possible during the entire agreemet validity period, partial withdrawal without recalculation of interest is permitted only for the account with freely available funds held |
| from UAH 500 |
14.50% |
from 1 UAH |
8.00% |
| from USD 100 |
6.50% |
from 1 USD |
2.50% |
| from EUR 100 |
5.75% |
from 1 EUR |
2.00% |
| For pensioners |
F&C "Pension",
monthly interest payment |
|
from UAH 100 |
from
USD 20 |
from
EUR 20 |
õ |
õ |
replenishment is possible during the first half of the agreemet validity period, partial withdrawal is not permitted |
| 1 months |
11,00% |
2,75% |
2,25% |
- |
- |
| 3 months |
16,00% |
6,25% |
4,75% |
- |
- |
| 6 months |
17,00% |
7,25% |
6,25% |
- |
- |
| 370 days |
17,50% |
8,50% |
7,75% |
- |
- |
| Order a F&C bank card to receive your pension benefit and get a BONUS of +0.25 (for UAH deposits) |
| Special offers |
F&C "Excellent Seven"
7-day deposit with autoprolongation for the same period |
|
from UAH 2000 |
from
USD 200 |
from
EUR 200 |
õ |
õ |
there is no possibility to replenish the deposit, deposit withdrawal without interest recalculation is possible every 7 days of funds being placed with the Bank |
| from 1-7 days (min. term) |
10,50% |
2,25% |
1,75% |
- |
- |
| each deposit prolongation for the next 7 days (till reaching the maximum term) increases the interest rate by 0.1% per annum |
- |
- |
up to 85-91
days (max. term) |
11,70% |
3,45% |
2,95% |
- |
- |
| |
| Precious metal deposits |
|
bullion gold |
non-cash gold |
non-cash silver |
õ |
õ |
replenishment is possible during the first half of the agreemet validity period, partial withdrawal is not permitted |
| from 50 gr (1.607 ozt) |
from 62.2 gr (2 ozt) |
from 995.3 gr (32 ozt) |
õ |
õ |
| 6 months |
1,75% |
3,00% |
2,00% |
- |
- |
| 370 days |
2,25% |
4,00% |
3,00% |
- |
- |
| 18 months |
2,50% |
4,50% |
3,50% |
- |
- |
| 24 months |
2,75% |
- |
- |
- |
- |
| |
| Loyalty programme for regular depositors and pensioners |
| |
Deposit period |
UAH |
USD |
EUR |
|
Bonus for repeated placement of the deposit,
% per annum |
from 1 month |
- |
0,5% |
0,5% |
For such deposit types as: F&C "Classic", F&C "Optima", F&C "Standard", F&C "Pension", F&C "Line of Deposit" (minimum balance). |
Early withdrawal terms:
1) If you prematurely withdraw funds from F&C "Classic", "Standard", "Pension" Deposits:
- within the first 90 days of the deposit agreement validity, the interest shall be recalculated for the entire period the funds were being held in the deposit account at the rate of 2% per annum (UAH), 1% per annum (USD, EUR, RUB, GBP);
- beginning with the 91st day of the deposit agreement validity, the interest shall be recalculated for the actual period in the amount of 50% of the interest rate fixed in the agreement. |
| 2) The interest earned on F&C "Optima" Deposit shall be recalculated for the period from the date of the last payment for the last full quarter to the date prior to the date of early deposit withdrawal at the rate of 2% per annum (UAH), 1% per annum (USD, EUR). |
| 3) The interest earned on F&C "Excellent Seven" Deposit shall be recalculated at the rate of 2% per annum (UAH), 1% per annum (USD, EUR). Only the amounts, which were accrued for the period of the last prolongation during which the customer initiated a withdrawal, are subject to recalculation. |
| 4) The interest accrued on the minimum balance on F&C "Line of Deposit" Deposit shall be recalculated for the entire period the funds were being held in the deposit account at the rate of 2% per annum (UAH), 1% per annum (USD, EUR). |
| 5) The interest earned on precious metal deposit shall be recalculated for the entire deposit agreement validity period at the rate of 0.001% per annum. |
| Information for non-residents: deposits in foreign currency may be placed by non-resident natural persons for the term of at least 370 days. |
| |
| Finance and Credit Bank is a memeber of the Deposit Guarantee Fund. |
Detailed conditions of deposits can be found here
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