What are you looking for?

Find out more about our products. Visit any I&M Bank Branch, Contact us through +254 20 322 1000 or email [email protected]

Interest Rates

Learn more about our interest rates

Fixed Deposit Interest Rates

Term	Call Rate (7 Days)	1 Month	3 Months	6 Months	1 Year
50K to < 5M	4.00	4.85	5.35	5.85	6.00
5M to < 10M	5.00	6.55	6.80	6.85	6.90
10M to < 50M	6.00	7.25	7.55	7.60	7.65
50M < 100M	7.00	7.50	7.80	7.85	7.90
Above 100M	7.25	7.75	8.10	8.15	8.00

Term	3 Months	6 Months	1 Year
1M to < 5M	5.25	5.70	5.65
5M to < 10M	6.70	6.70	6.55
10M to < 50M	7.45	7.45	7.30
50M to < 100M	7.70	7.70	7.55
100M and above	8.00	8.00	7.65

Term	Call Rate (7 Days Min)	1 Month	3 Months	6 Months	1 Year
Below 5,000	1.25	3.75	3.75	3.75	3.50
5,000 - 9,999	1.25	3.25	3.75	3.75	3.50
10,000 - 49,999	1.25	3.00	3.50	3.50	3.25
50,000 - 99,999	1.25	2.75	3.00	3.00	3.25
100,000 - 249,999	1.25	2.50	2.75	2.75	3.00
250,000 - 499,999	1.25	2.25	2.25	2.50	3.00
500,000 and 1,000,000	1.25	2.00	2.25	2.25	2.25
1,000,000 & above	1.25	1.75	1.75	2.00	2.00

Term*	Call Rate (7 Days Min)	1 Month	3 Months	6 Months	12 Months
Below 9,999	0.50	0.75	0.50	0.50	0.50
10,000 – 99,999	0.50	2.50	2.25	1.75	1.25
100,000 - 249,999	0.50	3.25	2.75	2.50	1.50
250,000 – 499,999	0.50	3.75	3.50	3.00	2.00
Over 500,000	0.50	4.00	3.75	3.25	2.00

Term	Call Rates	1 Month	3 Months	6 Months	12 Months
Below 9,999	0.25	0.75	0.75	1.00	1.00
10,000 – 99,999	0.25	0.75	0.75	1.00	1.00
100,000 – 499,999	0.25	1.00	1.50	1.50	1.25
Over 500,000	0.25	1.25	1.25	1.75	1.50

Term	1 Month	3 Months	6 Months
Over 0.05M - < 0.1M	1.75	2.00	2.25
0.1M - <0.5M	2.00	2.25	2.50
0.5M - < 1M	2.25	2.50	2.75
1M and above	2.50	2.75	3.00

Flexi Deposit Builder Interest Rates

Fixed	1 Year
Any amount starting from Kes 1,000	6.30%

Fixed	1 Year
100 but less than 1,500	1.00%
1,500 but less than 10,000	1.50%
10,000 but less than 20,000	2.00%
20,000 but less than 30,000	2.50%
Over 30,000	3.00%

I&M Savers Account Interest Rates

Item	Description
Interest	Prevailing rate is 4% p.a. (Calculated based on monthly average balance \| Interest is paid monthly)
Withdrawals	No interest is paid in a month where number of withdrawals exceed 2.
Interest Payment	Interest is paid only when monthly average balance is above Kes 5,000

MyGoalz Interest Rate

Amount	Tenor	Rate
Any amount starting from Kes 1,000	Up to 24 Months	6.30%

Young Savers Interest Rate

Type	Rate/Details
Interest Rate	2%
Additional Interest	If 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 Interest	If 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 Payment	Payable on the minimum monthly balance (accrued monthly and paid quarterly)

Sapphire FCY Account Interest Rates

Daily Balance	0 - 5k	5k - 25k	25k - 100k	> 100k
USD	Nil	0.25%	0.50%	0.75%

Daily Balance	0 - 5k	5k - 25k	25k - 100k	> 100k
GBP	Nil	0.25%	0.50%	0.50%

Daily Balance	0 - 5k	5k - 25k	25k - 100k	> 100k
EUR	Nil	0.25%	0.25%	0.25%