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Savings with premium

Time-deposit savings with premium is a type of long-term installment savings where through regular monthly payments one gains the right to premium calculated on the basis of interest on deposit.


Minimum amounts of deposits with premium are:

For deposits in KM 

  50,00 KM

For deposits in EUR

  50,00 EUR

For deposits in USD

120,00 USD


Interest and premium

In order to reduce waiting in lines and save your time spent on monthly payments of bank premiums, the Bank offers establishing a standing order from a current account.

In addition to regular interest the Bank calculates premium. The premium is calculated upon the expiration of deposit term for the amount of calculated interest, depending on the duration of deposit term. 
Deposit terms offered are: 13 months, 24 months, 36 months, 48 months and 60 months with variable interest rates.

Variable interest rate levels for savings in KM and EUR

Deposit terms

Deposit amount 

NKS

EKS*

Premium %

13 months

All amounts

1,50

1,59

6,00

24 months

All amounts

2,00

2,14

7,00

36 months

All amounts

2,50

2,70

8,00

48 months

All amounts

3,00

3,24

8,20

60 months

All amounts

3,00

3,25

8,50

 

Variable interest rate levels for savings in USD

Deposit terms

Deposit amount 

NKS

EKS*

Premium %

13 months

All amounts

0,60

0,64

6,00

24 months

All amounts

1,00

1,07

7,00

36 months

All amounts

1,20

1,30

8,00

48 months

All amounts

1,60

1,73

8,20

60 months

All amounts

1,60

1,73

8,50

 

*Effective interest rates are equal to the nominal interest rates shown.

 

Individual payments are made each month according to the dynamics suitable to client. Upon the expiration of deposit term, calculated interest and premium are added to the principal. The Bank allows the possibility of automatic renewal of deposit with premium without client’s presence under conditions applicable on the day of expiration of deposit term. If a client wishes to dispose of the savings prior to the expiration of deposit term, the Bank may allow that, terminate the agreement, and pay the funds applying interest rate for the nearest achieved deposit term. Deposit with premium is a type of active savings intended for all citizens wishing to create better future for themselves and their loved ones. 

Participate actively in the process of increasing your savings!


For more information contact us:

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