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Certificates of Deposit

Earn an exceptional rate with CIB Certificates of Deposit now!
Certificates of Deposit for individuals – in EGP  ​
  • Medium and long-term depository product with durations of 3 or 5 years
  • Interest rates calculated on fixed and floating basis
  • Certificates are renewed upon customer request.


  • Partial or full redemption is ​​allowed after six months of certificate issuance for fixed rate 3 or 5 years certificates.
  • Partial or full redemption is allowed after one year of certificate issuance for floating rate 3 year  quarterly certificates.
  • ​Eligibility for secured facility up to 95 % of Certificates of Deposit (CDs) Value

Fixed Interest

  • Certificate duration 3 and 5 years
  • Minimum purchase amount EGP 1,000 and its multiples
  • Calculated and earned monthly, quarterly, semiannually or annually (depending on the certificate’s interest payment frequency)


 Floating Interest 

  • Certificate duration 3 years
  • ​Minimum purchase amount EGP 6,000 for Monthly interest payment frequency and multiples of EGP 1,000
  • Floating CDs applied interest rates are subject to change in line with CBE Corridor rates.
  • If interest payment falls on an official holiday or weekend, they will be included in the month’s number of days and in the interest calculation for that month. The settlement will be with the last interest payment on the certificate’s due date
  • If the interest payment day is an official holiday or a weekend at the end of the month then the interest payment date will shift to the last working date before the official holiday or weekend at the same month.


Cumulative Interest 

  • Certificate duration 3 or 5 years
  • Minimum purchase amount EGP 5,000 and its multiples
  • Calculated and earned at maturity

Certificates of Deposit – in Foreign Currencies

  • Medium and long-term depository product with durations of 3, 5 or 7 years.
  • Offered in USD and EUR only
  • Euro fixed certificates duration is three years only
  • Interest rates are calculated on fixed basis
  • Redemption. Allowed after six months of Certificate issuance date for fixed interest and floating interest rate CDs
  • Offered to individuals and corporate customers
  • Eligibility for secured facility reaches up to 90% of CD's value
  • Minimum purchase amount is 1000 and its multiples USD or EUR
  • Calculated and earned monthly, quarterly and annually​ (depending on the certificate’s interest payment frequency)
  • Certificates are renewed upon customer request.
Certificates of Deposit Interest Rates in EGP​
Interest Payment Frequency
​Interest Rates

​​3 Years Fixed
​ ​
Monthly El Kheir
At Maturity
Effective rate  9.50%
5 Years Fixed
​ ​ ​

At Maturity
Effective rate 9.50%
3 Years Floating​
0.75% below Corridor Bid Rate
 (Current interest rate 7.50
* The above interest rates are effective 14th of January 2021

*Certificates of Deposit Interest Rates in USD

Tenor Interest   Payment Frequency Interest Rates

3 Years Fixed




5 Year Fixed

7 Years Fixed
Certificates of Deposit Interest ​Rates in EUR
Tenor Interest Payment Frequency Interest Rates

​3 Years Fixed
Monthly  0.50%
Quarterly 0.75%

Required Documents:

​Certificates of Deposit application

Note :  Customers should have an active CIB account to be able to apply for a Certificate of Deposit.
For more information, please call 19666 or visit your nearest CIB branch

Terms and Conditions Apply​​​​.

For fixed certificates of deposit terms and conditions, click here.
For floating certificates of deposit terms and conditions, click here.