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Fixed term savings

With fixed term savings, time works for you

Fixed term savings is a savings scheme under which funds are kept on a savings account for the duration of an agreed term.
During the term, which ranges from 3 to over 36 months, interest is accrued on the deposit according to a variable interest rate. Following the agreed term, the client may withdraw the entire balance or rollover for a new term.

Fixed term savings can be made in euros or other currencies, such as USD, AUD, CAD, CHF and GBP.

Benefits of fixed term savings

  • competitive interest rates
  • client need not visit the bank for a deposit rollover
  • option to use the interest as rent on a monthly, quarterly, semi-annual or annual basis
  • option to use deposit as a loan security
One can withdraw from a term deposit before maturity, subject to Bank consent and following the client’s request in writing.

If the client does not cancel his savings agreement within not later than 3 days of the date of term expiry (prolongation term), the Bank will rollover the term deposit for the same term on the terms applicable on the date of rollover.

On the maturity date, interest accrued is added to the previous deposit or transferred onto the selected current account.

Fixed term savings interest rates, for deposits in euros up to €50,000.00

3 months0.10%
6 months0.45%
2 months1,75%
24 months2.00%
36 months+2.10%

Fixed term savings interest rates, for deposits from €50,000.01 to €100,000.00

3 months0,05%
6 months0.35%
12 months1.25%
24 months1.50%
36 months+1.80%


Fixed term savings interest rates, for deposits in US dollars

3 months0.01%
6 months0.05%
12 months0.80%
24 months0.90%


Fixed term savings interest rates, for deposits in other currencies (AUD, CAD, CHF, GBP)

3 months0.01%
6 months0.05%
2 months0.25%
24 months0.30%


*Interest rates on all deposits are indicated as annual rates.

The Bank’s successful operation and continual growth in deposits indicates the trust of our clients and security of deposits with Hipotekarna Bank.

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