2025’s best Certificate of Deposit with the highest return in Egyptian banks
The Arab African International Bank (AAIB) has launched the Four-Year Bullet Certificate of Deposit, offering a cumulative return of up to 100 percent over four years.
This is one of the highest interest rates currently offered in the banking sector.
This CD is a golden opportunity for citizens seeking a long-term investment with a guaranteed return, along with competitive advantages including flexible payment cycles and complete capital security.
The Four-Year Bullet Certificate of Deposit
The AAIB has made several types of bank certificates available to customers, including the four-year certificate with cumulative returns, with interest of up to 100 percent at the end of the term.
The bank explained that the interest on the CD is 100 percent of the certificate’s balance after the end of the four years.
When a customer purchases a certificate with an amount of LE 100,000, the interest also becomes LE 100,000 and is disbursed at the end of the four years, in addition to the LE 100,000 balance of the certificate, bringing the total to LE 200,000 at the end of the term.
The minimum purchase amount
The minimum purchase amount for the certificate is approximately LE 5,000. The interest rate on this certificate is approximately 18.92 percent, with a cumulative interest rate of approximately 100 percent paid at the end of the term.
The bank does not allow renewal of the certificate.
To learn more about the four-year savings certificate with cumulative returns, click here.
The term of the Four-Year Bullet CD
The term of the Four-Year Bullet Certificate of Deposit is approximately four years.
The amount deposited in the certificate cannot be redeemed until six months have passed from the date of purchase.
It is also available to individuals only.
Certificate Features
- The minimum value for purchase is LE 5,000 and multiples of LE 1,000.
- Interest Rate: 100 percent, disbursed at the end of the term, with a cumulative interest rate of 18.92 percent.
- Offered to individuals only.
- Customers can obtain guaranteed credit facilities.
Conditions for purchasing the CD
- The certificate cannot be renewed.
- The certificate cannot be redeemed before six months have passed from the date of purchase.
Early redemption rate:
- First year: Seven percent
- Second year: Six percent
- Third year: Five percent
- Fourth year: Four percent