Individuals > Deposits > Silk Premium Open td
Deposits
Discover the deposits offered by our bank
Silk Premium Open TD combines the advantages of time depositing of the cash funds and the privileges and beneficiaries of the prestige American Express Gold credit card.
Main features of the product:
- TD with interest payment at maturity
- Tenor: 13 and 25 months
- Currency: MKD / EUR
- Minimum amount: MKD 300.000/EUR 5.000)
- Possibility for deposit additional funds during the life cycle of the TD
- Possibility for auto roll-over
- Interest rate – fixed during the whole period
| Interest Rates till 31.08.2022 | ||||||
| 13 months | 25 months | |||||
| MKD | EUR | |||||
| EUR 5.000 - 15.000 (MKD 300.000 – MKD 900.000) | 0,25% (NRKS -0,77%) | 0,675% (6 months euribor+0,45%) | ||||
| EUR 15.001 - 30.000 (MKD 900.001 – MKD 1.800.000) | 0,35% (NRKS -0,67%) | 0,875% (6 months euribor+0,65%) | ||||
| Over EUR 30.001 (MKD 1.800.001) | 0,45% (NRKS -0,57%) | 1,075% (6 months euribor+0,85%) | ||||
| Interest Rates - from 01.09.2022 | ||||||
| 13 months | 25 months | |||||
| MKD | EUR | |||||
| EUR 5.000 - 15.000 (MKD 300.000 – MKD 900.000) | 0,75% | 0,65% | ||||
| EUR 15.001 - 30.000 (MKD 900.001 – MKD 1.800.000) | 0,85% | 0,75% | ||||
| Over EUR 30.001 (MKD 1.800.001) | 0,95% | 0,85% | ||||
Product marked with (*) are suspended, the interest rates are valid only for the existing TDs.
All clients – users of Silk Premium TD who at the same time are pay roll clients are eligible for American Express Gold credit card with pre-approved limit.
The Bank keeps the right to change the terms without a prior notice
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The National Reference Interest Rate (NRKS) is part of the variable interest rates for the deposits in MKD and it’s published on web site of the NBRM with title “Interest rate of deposits in MKD without FX clause”. NRKS is being updated every 6 months on 1.01 and 1.07 every year, based on the latest published for the preceding period.
6 (six-month) Euribor is used for deposits in EUR with variable interest rate as a reference interest rate. The interest rate adjustment will be performed on a six month basis, at 1.01 and 1.07 every year according to the 6 (six-month) Euribor rate, which is valid on the last working day of the previous semester.6 month Euribor currently is 3.930.