Higher returns. Fixed term. Total peace of mind.
Lock in a competitive rate for a term that fits your plans — from 3 months to 24 months — with guaranteed returns.
Why choose a fixed deposit
Premium interest
Rates significantly higher than a regular savings account.
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Fixed deposit rates are set at the point of deposit and typically outperform daily susu returns. Longer terms attract higher rates, and members with active susu accounts qualify for loyalty uplifts.
Flexible terms
Choose 3, 6, 12, 18 or 24 months — matched to your goal.
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Pick the term that matches your financial plan — school fees next term, a business restock next year, or a longer horizon savings goal. Longer terms earn more; shorter terms give you faster access.
Guaranteed rate
Your rate is locked at deposit — no surprises.
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Once your certificate is issued, the interest rate is fixed for the full term regardless of market changes. Early withdrawal is possible but attracts a small interest adjustment as outlined in your deposit agreement.
Loan collateral
Borrow up to 80% of your deposit at preferential rates.
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Your fixed deposit can back a loan for up to 80% of its value while continuing to earn full interest. This is ideal for members who need liquidity without breaking the term.
Fixed Deposit highlights
- Minimum deposit GH₵ 1,000
- Interest paid at maturity or monthly (your choice)
- Full principal returned at term end
- Automatic roll-over available
- Certificate of deposit issued for every account
Ready to take the next step?
Our team in Adjiringanor is ready to help you save, borrow and grow with confidence.