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fixed deposit rates in Kenya

Maximise the growth potential of your money, without risk.

Grow your money steadily

Secure your future with a fixed deposit account offering a high growth potential for your money with guaranteed returns.

Features

Tenure options

Flexible tenure options allowing you to fix your money for 3 months, 6 months, 9 months or 12 months.

Security for borrowing

Borrow against and up to 95% of your Fixed Deposit amount at nominal rates.

Interest payment

Interest is paid at maturity to your current or savings accounts.

Risk FREE

Attractive returns with complete security and competitive interest rates

Online Banking and Mobile App

Set up your Fixed Deposit instantly on Online Banking & SC Mobile. Also transfer funds between accounts, buy airtime, manage your account and your personal details.

Fixed Deposits Interest Rates

The bank reserves the absolute right and discretion to change the rates below

LCY Term deposit Counter rates

DEPOSIT AMOUNT IN KES
INTEREST RATE PER ANNUM
Call  1 month  3 Mnths   6 Mnths 9 Mnths  12 Mnths
100K – 1,999,999 KES 1.00% 1.15% 1.25% 1.35% 1.50% 2.00%
2,000,000 – 9,999,999 KES 1.00% 1.15% 1.35% 1.50% 1.75% 2.25%
10,000,000 – 19,999,999 KES 1.00% 1.15% 1.50% 1.75% 2.00% 2.50%
20,000,000 – 29,999,999 KES 1.00% 1.15% 2.00% 2.25% 2.50% 2.75%
30,000,000 – 39,999,999 KES 1.15% 1.20% 2.50% 2.75% 3.00% 3.25%
40,000,000 – 49,999,999 KES 1.15% 1.25% 3.00% 3.25% 3.50% 3.75%
50,000,000 – 74,999,999 KES 1.25% 1.50% 3.50% 3.75% 4.00% 4.25%
75,000,000 – 99,999,999 KES 1.25% 1.60% 3.75% 4.25% 4.50% 4.75%
100,000,000 + KES 1.25% 1.75% 4.00% 4.50% 4.75% 5.00%
FCY Term Deposit Counter rates
DEPOSIT AMOUNT IN USD
INTEREST RATE PER ANNUM
 1 month  3 Months   6 Months  12 Months
5,000 – 49,999 USD 0.05% 0.05% 0.05% 0.05%
50,000 – 99,999 USD 0.05% 0.07% 0.07% 0.07%
100,000 + USD 0.05% 0.10% 0.10% 0.10%
DEPOSIT AMOUNT IN GBP
INTEREST RATE PER ANNUM
 1 month  3 Months   6 Months  12 Months
5,000 – 49,999 GBP 0.01% 0.04% 0.05% 0.07%
50,000 – 99,999 GBP 0.01% 0.05% 0.07% 0.10%
100,000 + GBP 0.01% 0.07% 0.10% 0.10%

FAQs

  • Fixed Term Deposits are long and short-term deposits offering competitive interest rates and flexible investment periods.

  • The Fixed Deposit Account is available in Kenya Shillings, US Dollar, Pound Sterling, for other currencies please contacts via our contact center or visit any of our branch

  • You must instruct us in writing (or any other way we agree to accept) before the maturity date whether you want:
    • us to pay you the principal and interest on the maturity date; or
    • to renew the fixed deposit

  • Terminating the fixed deposit before it matures is not allowed. In the event of partial or total early withdrawal, charges may apply and you will forfeit all the interest accrued.

  • In the event that interest has been paid before maturity the Bank will recover the paid interest from you.

Terms & Conditions