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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 < 5M2.503.755.005.756.50
5M to < 10M3.004.005.256.006.75
10M to < 50M3.254.756.006.757.50
50M > 100M3.505.006.257.007.75
100M and above3.755.256.507.258.00

Term3 Months6 Months1 Year
1M to < 5M4.905.606.15
5M to < 10M5.155.856.40
10M to < 50M5.906.607.15
50M to < 100M6.156.857.40
100M and above6.407.107.65

Term3 Years
5M to < 10M9.0
10M and above10.0

TermCall Rates (7 Days)1 Month3 Months6 Months1 Year
2,000 - 9,9990.250.250.500.751.00
10,000 - 49,9990.250.501.251.752.00
50,000 - 99,9990.251.001.502.002.25
100,000 - 249,9990.251.251.752.252.50
250,000 - 499,9990.251.502.002.502.75
500,000 and above0.251.752.252.753.00

Term*1 Month3 Months6 Months12 Months
2,000 - 9,0000.250.250.250.25
10,000 - 100,0000.250.250.250.50
100,001 - 500,0000.250.250.500.50
500,001 and above0.250.500.500.50

Term1 - 3 Months3 - 6 Months6 - 12 Months
2,000 - 9,9990.250.500.50
10,000 - 100,0000.250.500.50
100,001 - 500,0000.501.251.25
500,001 and above0.751.251.50

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

MyGoalz Interest Rate

AmountTenorRate
Any amount starting from Kes 1,000Up to 24 Months6.30%

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%