Interest Rates

Learn more about our interest rates

Fixed Deposit Interest Rates

Term Call Rate (7 Days)1 Month3 Months6 Months 1 Year
50K to < 5M4.004.855.355.856.00
5M to < 10M5.006.556.806.856.90
10M to < 50M6.007.257.557.607.65
50M < 100M7.007.507.807.857.90
Above 100M7.257.758.108.158.00

Term3 Months6 Months1 Year
1M to < 5M5.255.705.65
5M to < 10M6.706.706.55
10M to < 50M7.457.457.30
50M to < 100M7.707.707.55
100M and above8.008.007.65

TermCall Rate (7 Days Min)1 Month3 Months6 Months1 Year
1,000,000 & above1.253.753.753.753.50
500,000 - 999,9991.253.253.753.753.50
250,000 - 499,9991.253.003.503.503.25
100,000 - 249,9991.252.753.003.003.25
50,000 - 99,9991.252.502.752.753.00
10,000 - 49,9991.252.252.252.503.00
5,000 and 9,9991.252.002.252.252.25
Below 5,0001.251.751.752.002.00

Term*Call Rate (7 Days Min)1 Month3 Months6 Months12 Months
Below 9,9990.500.750.500.500.50
10,000 – 99,9990.502.502.251.751.25
100,000 - 249,9990.503.252.752.501.50
250,000 – 499,9990.503.753.503.002.00
Over 500,0000.504.003.753.252.00

TermCall Rates1 Month3 Months6 Months12 Months
Below 9,9990.250.750.751.001.00
10,000 – 99,9990.250.750.751.001.00
100,000 – 499,9990.251.001.501.501.25
Over 500,0000.251.251.251.751.50

Term1 Month3 Months6 Months
Over 0.05M - < 0.1M1.752.002.25
0.1M - <0.5M2.002.252.50
0.5M - < 1M2.252.502.75
1M and above2.502.753.00

Flexi Deposit Builder Interest Rates

Fixed1 Year
Any amount starting from Kes 1,0006.30%

Fixed1 Year
100 but less than 1,5001.00%
1,500 but less than 10,0001.50%
10,000 but less than 20,0002.00%
20,000 but less than 30,0002.50%
Over 30,0003.00%

I&M Savers Account Interest Rates

ItemDescription
InterestPrevailing rate is 4% p.a. (Calculated based on monthly average balance | Interest is paid monthly)
WithdrawalsNo interest is paid in a month where number of withdrawals exceed 2.
Interest PaymentInterest is paid only when monthly average balance is above Kes 5,000

Young Savers Interest Rate

TypeRate/Details
Interest Rate2%
Additional InterestIf you carry out less than 6 withdrawals within one calendar year you earn 50% additional interest payable at the end of the calendar year (calculated on average yearly balance)
Bonus InterestIf no withdrawals within one calendar year; additional bonus interest of 1% p.a at the end of the calendar year (calculated on average yearly balance)
Interest PaymentPayable on the minimum monthly balance (accrued monthly and paid quarterly)

Sapphire FCY Account Interest Rates

Daily Balance0 - 5k5k - 25k25k - 100k > 100k
USDNil0.25%0.50%0.75%

Daily Balance0 - 5k5k - 25k25k - 100k> 100k
GBPNil0.25%0.50%0.50%

Daily Balance0 - 5k5k - 25k25k - 100k> 100k
EURNil0.25%0.25%0.25%