Fixed-Term Deposit
Lock it in, let it grow, harvest: a guaranteed rate for the duration you choose.
Money that can wait should be money that works — at a guaranteed rate. The Fixed-Term Deposit locks the amount of your choice for the period of your choice, and the rate agreed at signature is yours, whatever happens.
The Fixed-Term Deposit is the patient investor's instrument: a known rate, a known date, zero surprises in between. What you sign is what you harvest.
Certainty as a strategy
Markets fluctuate; your FTD doesn't. For treasury with a known calendar — a project in a year, a season to bridge — locking the rate turns waiting time into earnings.
Who is it for?
For individuals and businesses with stable treasury: bonuses, business surpluses, funds awaiting a project, cooperative reserves.
Frequently asked questions
Can the rate change during the placement?
No — that's the whole value of the FTD: the rate negotiated at subscription is contractual and guaranteed to maturity.
What if I need the funds before maturity?
Early release remains possible under the contract's conditions, with an adjustment to the return. For unpredictable needs, keep available savings alongside.
FTD or Cash Voucher — how do I choose?
The FTD is negotiated to measure (amount, duration, rate); the Cash Voucher is a registered instrument with standardised terms. Your advisor compares both against your situation in minutes.
Is interest paid during or at the end?
At maturity, together with the capital — unless specific arrangements are agreed at subscription for longer durations.
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