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Seniors: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 8.05% 8.10% 8.15% 8.20%
3 month 8.20% 8.25% 8.30% 8.35%
6 month 8.50% 8.55% 8.60% 8.70%
9 month 8.80% 8.85% 8.90% 9.00%
12 month 9.15% 9.20% 9.25% 9.30%
24 month 9.20% 9.25% 9.30% 9.40%
36 month 9.25% 9.30% 9.35% 9.45%
48 month 9.30% 9.35% 9.40% 9.50%
60 month 9.60% 9.65% 9.70% 9.80%

Fixed Deposit: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 7.60% 7.65% 7.70% 7.80%
3 month 7.85% 7.90% 7.95% 8.00%
6 month 8.00% 8.05% 8.10% 8.15%
9 month 8.15% 8.20% 8.25% 8.30%
12 month 8.55% 8.60% 8.65% 8.70%
24 month 8.65% 8.70% 8.75% 8.80%
36 month 8.75% 8.80% 8.85% 8.90%
48 month 8.85% 8.90% 8.95% 9.00%
60 month 9.15% 9.20% 9.25% 9.30%

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Business Fixed Deposit

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


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Seniors: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 8.05% 8.10% 8.15% 8.20%
3 month 8.20% 8.25% 8.30% 8.35%
6 month 8.50% 8.55% 8.60% 8.70%
9 month 8.80% 8.85% 8.90% 9.00%
12 month 9.15% 9.20% 9.25% 9.30%
24 month 9.20% 9.25% 9.30% 9.40%
36 month 9.25% 9.30% 9.35% 9.45%
48 month 9.30% 9.35% 9.40% 9.50%
60 month 9.60% 9.65% 9.70% 9.80%

Fixed Deposit: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 7.60% 7.65% 7.70% 7.80%
3 month 7.85% 7.90% 7.95% 8.00%
6 month 8.00% 8.05% 8.10% 8.15%
9 month 8.15% 8.20% 8.25% 8.30%
12 month 8.55% 8.60% 8.65% 8.70%
24 month 8.65% 8.70% 8.75% 8.80%
36 month 8.75% 8.80% 8.85% 8.90%
48 month 8.85% 8.90% 8.95% 9.00%
60 month 9.15% 9.20% 9.25% 9.30%

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Qualifying criteria

Must be a South African citizen

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Documents needed

  • Proof of residence (not older than 3 months)
  • South African ID book or ID card

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Because you save for the things that count...

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  • For specific goals or special events

    We have a range of savings and investment accounts where you can access your money after placing notice

  • For the longer term.

    We have a range of savings and investment accounts where you can access your money after a fixed period

  • Teach your child to save.

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Fixed Deposit

Nominal Interest Rate

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 7.60% 7.65% 7.70% 7.80%
3 month 7.85% 7.90% 7.95% 8.00%
6 month 8.00% 8.05% 8.10% 8.15%
9 month 8.15% 8.20% 8.25% 8.30%
12 month 8.55% 8.60% 8.65% 8.70%
24 month 8.65% 8.70% 8.75% 8.80%
36 month 8.75% 8.80% 8.85% 8.90%
48 month 8.85% 8.90% 8.95% 9.00%
60 month 9.15% 9.20% 9.25% 9.30%

Annual Effective Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 7.87% 7.92% 7.98% 8.08%
3 month 8.14% 8.19% 8.25% 8.30%
6 month 8.30% 8.35% 8.41% 8.46%
9 month 8.46% 8.52% 8.57% 8.62%
12 month 8.89% 8.95% 9.00% 9.06%
24 month 9.00% 9.06% 9.11% 9.16%
36 month 9.11% 9.16% 9.22% 9.27%
48 month 9.22% 9.27% 9.33% 9.38%
60 month 9.54% 9.60% 9.65% 9.71%

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


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Fixed Deposit for clients aged 55 years and older

Nominal Rates for clients aged 55 and above.

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 8.05% 8.10% 8.15% 8.20%
3 month 8.20% 8.25% 8.30% 8.35%
6 month 8.35% 8.40% 8.45% 8.55%
9 month 8.65% 8.70% 8.75% 8.85%
12 month 9.00% 9.05% 9.10% 9.15%
24 month 9.05% 9.10% 9.15% 9.25%
36 month 9.10% 9.15% 9.20% 9.30%
48 month 9.15% 9.20% 9.25% 9.35%
60 month 9.45% 9.50% 9.55% 9.65%

Annual Effective Rates for clients aged 55 and above.

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 8.35% 8.41% 8.46% 8.52%
3 month 8.52% 8.57% 8.62% 8.68%
6 month 8.68% 8.73% 8.79% 8.89%
9 month 9.00% 9.06% 9.11% 9.22%
12 month 9.38% 9.43% 9.49% 9.54%
24 month 9.43% 9.49% 9.54% 9.65%
36 month 9.49% 9.54% 9.60% 9.71%
48 month 9.54% 9.60% 9.65% 9.76%
60 month 9.87% 9.92% 9.98% 10.09%

Preferential Nominal Rates for Senior clients on the retirees value proposition.*

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 8.05% 8.10% 8.15% 8.20%
3 month 8.20% 8.25% 8.30% 8.35%
6 month 8.50% 8.55% 8.60% 8.70%
9 month 8.80% 8.85% 8.90% 9.00%
12 month 9.15% 9.20% 9.25% 9.30%
24 month 9.20% 9.25% 9.30% 9.40%
36 month 9.25% 9.30% 9.35% 9.45%
48 month 9.30% 9.35% 9.40% 9.50%
60 month 9.60% 9.65% 9.70% 9.80%

Preferential Annual Effective Rates for Senior clients on the retirees value proposition.*

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 8.35% 8.41% 8.46% 8.52%
3 month 8.52% 8.57% 8.62% 8.68%
6 month 8.84% 8.89% 8.95% 9.06%
9 month 9.16% 9.22% 9.27% 9.38%
12 month 9.54% 9.60% 9.65% 9.71%
24 month 9.60% 9.65% 9.71% 9.82%
36 month 9.65% 9.71% 9.76% 9.87%
48 month 9.71% 9.76% 9.82% 9.92%
60 month 10.03% 10.09% 10.14% 10.25%

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


*Clients aged 55 and above, who are retired and on the retirees value proposition. Preferential rates will reflect within 2 working days. Exclusively available to retired clients over 55, who qualify and opted into the retirees value proposition. Please call 087 320 4321 or contact your Private Clients or Private Wealth Banker. You can also visit any FNB branch.

Fixed Deposit

Maximum nominal interest rate over 60 months

9.80%

Minimum opening deposit of R10 000.

An investment account with a fixed term, typically giving you a higher interest rate than investments available overnight or with notice.

What's hot

It's free

there are no monthly fees



You choose

Choose your investment term between 7 days and 60 months, or choose your own maturity date



Access interest

You can access your interest during your investment term



Do it online

Open and manage your account online



What you get

Guaranteed capital

No Risk. Your original deposit and quoted returns are 100% guaranteed



Fixed rate

Earn a fixed interest rate



Increase investment

Additional money may be added at maturity



Preference

Get preferential rates on investments if you are 55 years and older



Reinvest or redirect

Reinvest or transfer your interest to another account



Rewards

Add to your eBucks reward level points.
Visit www.eBucks.com for details.



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First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).