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Certificate of Deposit

Invest your money effectively and get high returns!

Certificate of Deposit

Looking for a safe way to grow your savings while earning high returns?


Credo Bank’s Certificate of Deposit (CD) is a smart investment option that offers guaranteed income over a fixed period—combining security with attractive interest rates.


Why Choose a Certificate of Deposit?

  • Highest Interest Rates: Enjoy better returns compared to standard deposit products.
  • Guaranteed Payout: Your initial investment and accrued interest are fully guaranteed and returned on a predetermined date.
  • Flexible Liquidity: Need access to your funds early? You can sell your certificate of deposit at any time.


Start building a secure and profitable future—purchase your Credo Bank Certificate of Deposit today and experience the benefits of smart, worry-free saving


Calculate the amount of interest you can receive - in the deposit calculator. Open and turn your savings into a reliable source of income.


As part of Credo Bank’s social responsibility initiative, you can also support the green movement by purchasing a Green Certificate of Deposit. By doing so, you contribute to protecting nature while enjoying financial benefits. To learn more about this initiative, visit the link.

TERMS

  • Deposit Currency: GEL, USD, EUR
  • Initial Minimum Contribution: 1,000 units
  • Term of Deposit: 1 to 2 years
  • Interest Accrual: Daily, 365 days a year
  • Early Termination: Not allowed
  • Adding Money: Not allowed


*As of January 1, 2018, the Bank participates in the Deposit Insurance System established under the Law of Georgia on the Deposit Insurance System. Upon the occurrence of an insurance event, the available funds on a depositor's deposit/account will be reimbursed by the Deposit Insurance Agency within the limit of GEL 50 000, while the remaining amount will be reimbursed in accordance with the procedures prescribed by the applicable legislation.

For additional information, please visit the website of the Deposit Insurance Agency: www.diagency.ge.

ADVANTAGES

  • Free Purchase: No cost to buy a certificate of deposit.
  • High Interest Rate: Earn the highest interest rate on your savings.
  • Transferable: The certificate can be transferred to another person at any time.

PRODUCT USAGE INSTRUCTION

You can request to buy a certificate of deposit:


INTEREST RATES

Interest Withdrawal at the end of Term



Interest Withdrawal at the end of Each Month



*The rates listed above apply when opening a deposit through Mobile Banking.

When opening a deposit at a service center, the interest rate will be reduced by 0.20 percentage points for GEL deposits, by 0.10 percentage points for USD deposits with a 12-month term, by 0.40 percentage points for USD deposits with a 24-month term, and by 0.10 percentage points for EUR deposits.

Interested?