Term deposits in banks: interest rates and terms

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In the article, we will consider what term deposits can be opened in banks.

Even in the current situation in 2018–2019. difficult economic situation remains the opportunity to invest their money in such a way as to receive income. One way is to invest in a term deposit. When choosing a bank for a deposit, you should first study the offered products in order to find out which one is the most profitable, where the highest interest rates and convenient terms are.

Traditional ways of investing money - deposits of individuals

There are many ways to invest money for passive income. Some people buy a currency and wait for its value to rise. Others earn on Forex, invest in PAMM accounts, trade binary options in an attempt to earn income.

All of these methods of obtaining passive income allow you to get a fairly high profit, but theyare associated with certain risks. Term deposits in banks offered to individuals remain the most traditional and reliable way of investing their own savings in Russia in the modern world.

Recommendations for choosing the most profitable deposit

When choosing a bank to trust with money, potential depositors usually pay attention to several basic parameters:

1. Interest rates. This allows you to choose the banking product that will bring the maximum income.
2. Reliability of a banking organization. This option allows you not to worry about the safety of money, even if a crisis occurs.

It is quite difficult to find a banking organization that combines these two parameters - sufficient reliability and a high interest rate on a deposit.

The most profitable deposits in the most reliable banks in Russia

Each bank has its own line of the most profitable products with unique conditions that it offers to its potential customers. Today, there are quite a few term deposits for 3 months or longer, offered by reliable institutions and with rather high interest rates.

At the beginning of 2019, the most profitable deposits are the following (it is worth noting that information may change if the bank decides to change the terms of the product, so it is recommended to check with a particular bank).

Profitable Online

This term deposit in the bank"Rosselkhozbank" can be issued. A potential client can expect to receive a profit on such a deposit of up to 8%. You can place an amount of at least 3000 rubles. Terms of placement are 31-1460 days. The deposit can be extended at the request of the client. Interest on it is accrued at the end of the validity period.

Maximum income with Halva

This is the name of the deposit offered by Sovcombank. The client can expect to receive a profit on such a deposit up to 8.65%. The minimum amount to be deposited into the account is 50,000 rubles. Terms of deposit placement are 31-1095 days. In accordance with the terms of the product, the client can replenish the deposit. There is also an extension. Interest on the product is calculated at the end of its validity period. Today, this is the highest percentage among all banking offers.

What other term deposits in banks are popular?

Dreams

This deposit is offered by Moscow Credit Bank. The offer is valid until 01/31/19. The depositor can place a minimum of 50,000 rubles, and replenish the deposit if possible. The deposit term is 380 days. This product has an interest rate of 8%. The prolongation of the deposit by the bank is provided, but, unfortunately, there is no partial withdrawal of funds. Interest, as in previous cases, is accrued at the end of the product validity period.

My income

This deposit is offered by Promsvyazbank. Its validity period is 122-731 days, and the interest rate canreach 6.75%. When opening a product, a depositor can deposit at least 10,000 rubles into the account. The banking organization provides for the possibility of prolonging the deposit, preferential termination, capitalization. Interest accrues at the end of the term.

Max Online

This profitable term deposit is a product of VTB24 bank. The offer is valid until 2019-31-01. A client on such a deposit will have to deposit at least 30,000 rubles into the account, but at the same time he can expect to receive up to 8% profit. The period of placement of funds for the product is 380 or 1080 days. The Bank provides for the possibility of capitalization. Partial withdrawal and replenishment is not possible. Interest is calculated monthly.

Everyone wants to make a high-interest term deposit.

Snatch

This product is an offer from Alfa-Bank, valid until 2019-31-01. The client can expect to receive 8.18% of the profit if he places at least 50,000 rubles in the bank. Terms of deposit placement - 1-3 years. This product is subject to capitalization. There is no possibility of partial withdrawal and replenishment. Interest is calculated every month.

Percentage higher

A profitable product offered by Gazprombank. This offer is valid until February 28, 2019. A client, placing 100,000 rubles or more on a bank account, can expect to receive 7% of income. In this case, the period of placement of funds is 270 days. The deposit provides for prolongation, partial withdrawal, no replenishment. Interest on the deposit is calculated at the end of the termproduct.

Reliable

Offer of Otkritie bank. This is a term deposit for 3 months or more (up to 730 days). The minimum amount to replenish an account is 50,000 rubles. Interest rates on this deposit are 6.27–7.5%. The investment is subject to capitalization. Partial withdrawal and replenishment are not possible. Interest is calculated every month.

"Without a passport", "Big plans"

Quite popular Sberbank products. The offer of the bank is valid until 31.01.2019. The placement terms for these deposits are 5 and 12 months, and the minimum deposit amount is 50,000 rubles. The client on such deposits can expect to receive a profit in the amount of 7–7.4% of the amount of invested savings. The bank does not provide for any partial withdrawal or replenishment. Interest on the product is accrued at the end of the deposit.

What other term deposit can I get at Sberbank?

Save Online

Probably the most popular contribution. Its popularity is due to the fact that the minimum amount of placement is only 1000 rubles. The interest rate is 5.15%. The placement period for this product is 31–1095 days. It is possible to prolong this term deposit in Sberbank, capitalization and monthly interest accrual.

That is, there are currently many profitable banking offers that are constantly updated. Therefore, absolutely anyone has the opportunity to choose the product that will be convenient.just for him.