Certificates in EGP

The 3 Years Certificate with Fixed Return

• This certificate gives you a competitive interest rate .
• The certificate Tenor (3 years) for renewable term subject to customer approval
• Credit facility up to 90% of the certificate value in the same currency.
• It can be retrieved after 6 months from its issuance date.
• The minimum purchase amount is 1000 EGP and its multiple with no maximum.
• Available for individual customers only.

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Terms and conditions applied

The 3 Years Certificate with Variable Rate / quarterly OR monthly payment

• This certificate gives you monthly or quarterly return with a competitive interest rate.
• The certificate Tenor (3 years) for renewable term.
• Credit facility up to 90% of the certificate value in the same currency.
• It can be retrieved after 6 months from its issuance date.
• The minimum purchase amount is 1000 EGP and its multiples.
• The certificate variable rate linked with CBE corridor rate
• Available for individual customers only.

The corridor deposit is the interest rate determined by the CBE .

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The 3 Years Certificate with Variable Rate:

Competitive interest rate with a monthly return.

• The certificate variable rate linked with the CBE corridor rate.
• The certificate Tenor (3 years).
• Credit facility up to 90% of the certificate value with the same currency.
• It can be retrieved after 6 months from its issuance date.
• The minimum purchase amount is 5000 EGP and its multiples.
• Available for individual customers only.

The corridor deposit is the interest rate determined by the CBE for the daily deposit.

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The Diamond Certificate with Fixed Return:

Get distinguished fixed return with the Diamond Certificate.

• Fixed return paid monthly or quarterly or annually
• Offered for three years duration.
• It’s available for individuals .
• The minimum purchase amount is 500 EGP and its multiples.
• It can be retrieved after 6 months from its issuance date.
• Credit facility up to 90 % of the Certificate Amount

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The 5 Years Certificate with Fixed Return:

With The 5 Year Certificate, grow your money with long-term investment.

• Five years certificate.
• Fixed annual return.
• Credit facility up to 90 % of the Certificate Amount.
• The minimum purchase amount is 750 EGP and its multiples.
• It can be retrieved after 6 months from its issuance date.
• Available for individual customers only.

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The Golden Certificate with Accumulated Fixed Return:

Enjoy earning accumulative fixed rate in EGP with the 3-Year Golden Certificate

• The fixed annual return is earned at maturity.
• Credit facility up to 90 %.
• The minimum purchase amount is 1,000 EGP and its multiples.
• It can be retrieved after 6 months from its issuance date.
• It’s available for individuals .

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Three years Certificate with interest paid in advance:

• Three years certificate.
• Fixed return paid in advance “next working day of the CD issuance”  .
• Credit facility up to 90 % of the Certificate Amount after deducting the interest paid in advance.
• The minimum purchase amount is 5000 EGP
• The denomination 1000 EGP and its multiples.
• It can be retrieved after 6 months from its issuance date.
• Available for individual customers only

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The three years saving certificate 

• The CD tenor is 3 years, starting from the working day following the date of purchase.
• The minimum purchase amount is 1,000 EGP and its multiples
• This certificate gives you a competitive interest rate with variable tenors.
• Availability to borrow and issue credit cards against these certificates in accordance with the applicable instructions.
• Available for individual customers
• It can be redeemed after 6 months from its issuance date according to  redeem schedule .

Terms and conditions – certificates and time deposit

** Terms and conditions apply

The United Bank has the right to amend any of the Criteria, Terms, or Conditions without prior notice.