Deposits for 3-5 years. We compare bank offers on deposits for three years

Some banks offer depositors long-term deposits, namely for three years, which is actually rare. For the most part, banks do not offer deposits for more than one year, but interest rates for such programs is slightly higher. Let's consider the tariffs and conditions for deposits for three years in some banks.

Sberbank line

Sberbank of Russia offers three time deposits for a period of three years. But, only one of them provides for transactions for spending funds and replenishing the account. Let's consider the bank's conditions.

"Manage" deposit. Minimum amount to open a deposit is 30,000 rubles, with an interest rate of 6%. The higher the deposit amount, the higher the interest. Thus, the maximum rate will be 6.5% with a minimum balance of 2 million rubles.

The client can choose the terms of the deposit himself. Namely, you can independently determine the size of the minimum balance and the method of paying interest - they can be capitalized, in which case the rate will be several positions higher. Preferential conditions for early termination No. At the end of the validity period, the contract is renewed automatically.

"Replenish" can also be opened for a period of three years. This offer is more profitable for those who want to get a good return for a certain period. The deposit does not provide for expense transactions. But you can replenish the principal amount of the deposit throughout the entire term of the contract. In this case, when the minimum balance reaches the next amount range, the interest rate will be automatically increased. Thus, with a minimum investment amount of 1000 rubles, the yield can range from 6.5% to 7%. If the investor prefers capitalization conditions, the interest rate will be higher than indicated. The peculiarity of this contribution is increased rate for pensioners (with a minimum balance of 1000 rubles - 6.5%).

"Save" created for those who want to get the maximum benefit when investing money for a period of three years. Of the entire Sberbank line, this offers the highest percentage and the lowest initial deposit, but this product does not allow consumables and incoming transactions. With a minimum investment amount of 1000 rubles, the yield can range from 6.90% (7.64%) to 7.4% (8.26%). Rates given in brackets take into account capitalization.

All of the above deposits can be opened in US dollars or euros. In addition, each of these can be opened remotely through Sberbank Online. At the same time, interest rates will be more favorable.

Alfa-Bank deposits

Alfa-Bank also offers deposits for 3 years, but here the interest rates are much higher. For example, "Victory" contribution just like “Save” from Sberbank of Russia, you cannot replenish and withdraw some money from your account. The interest rate also depends on the amount down payment and the minimum balance and varies for a period of three years ranging from 12.42% to 12.96%. Accrued interest is paid only at the end of the deposit period, but is capitalized every month. According to the Pobeda program, the minimum balance must be at least 10,000 rubles and, unlike Sberbank, preferential rates are not provided for premature closure of a deposit. At the end of the term for placing funds, the agreement is extended automatically.

The “Premium” deposit assumes the same conditions as “Victory”, but here you can use the accrued interest, which will be transferred to the current account every month, or plastic card. The rate when placing money for three years will be from 10.6% to 11%.

Another interesting offer from Alfa-Bank is the “Potential” deposit, which is issued in an amount of 10,000 rubles at 7.9-8.3 percent per annum. This deposit is replenished, interest is capitalized, and the possibility of partially spending funds from the deposit is also allowed.

Just like in Sberbank of Russia, all of the above deposits can be opened in US dollars or euros. In addition, each of these deposits can be opened online.

Deposits in VTB24

VTB24 Bank offers less favorable interest rates, but more flexible conditions for deposits for three years and above. Here you can open several deposits for three years. Let's take a closer look at the product "Comfortable". It allows the depositor to replenish the deposit and enjoy accrued interest, as well as carry out expense transactions. The amount for opening a deposit is from 100,000 rubles, the interest rate is 6.05-6.3 percent. Preferential rates are provided for premature closure of a deposit. At the end of the validity period, the deposit is extended automatically.

Another deposit from VTB24, which can only be opened remotely for a period of three years or more "VTB24 - Comfortable - Telebank." The amount to open a deposit is from 10,000 rubles, the yield ranges from 5.9% to 7.46%. The interest rate also depends on the amount of the down payment. This deposit allows you to replenish the principal amount of the deposit and enjoy interest, which at his discretion will be transferred every month to the current account or capitalized. But the contract does not provide preferential terms upon early termination. At the end of the validity period, the contract is renewed automatically, but no more than two times.

Both deposits can be opened in US dollars or euros.

Raiffeisenbank, unfortunately, does not offer deposits for a period of three years. Maximum term actions ruble deposits– up to 730 days.

Russian Standard Bank just like Raiffeisenbank, it prefers to enter into an agreement for less long term. The maximum validity period of deposits is less than a year, namely up to 360 days.

More detailed information on the above deposits, as well as other bank products, can be found on the official websites.

In a bank it is a common method of storage and accumulation for ordinary citizens. This article will discuss aspects related to the choice of bank, as well as deposit products to receive maximum benefit when placing money for 3 years. In addition, the reader will be able to get acquainted with the most advantageous offers of Moscow banks for the most common currencies - ruble deposits, as well as deposits in US dollars and euros will be considered.

The placement of a bank deposit constitutes a transfer by the depositor own funds for storage of any credit organization. The bank has the right to dispose of these funds - to invest them in various enterprises in order to generate income, and as payment for the use of these funds, the client receives remuneration according to the agreed conditions (interest on the deposit).

An additional advantage for the investor is a higher degree of safety of funds - during storage, the bank assumes all risks of their loss. In addition, such storage of money facilitates the process of accumulation, since there is no temptation to spend the amount on hand.

The interest rate on deposits varies depending on the length of the period during which the bank can use the client’s funds to generate income; the longer the contract term, the higher the interest. Also, the interest rate depends on the amount of invested funds - banks are interested in attracting as much as possible for their operations more money, therefore they increase the interest rate for large deposits.

Do you want to lock in a favorable interest rate for a longer period? Then read how to do it:

Current as of March 2018.

The line of banking products is constantly updated with new offers, so it is very important to keep abreast of current news in banks so as not to miss out on profitable financial opportunities. One of the most stable and reliable sources additional income Bank deposits issued for different periods have always been considered profitable.

How to find a replenishable deposit on favorable terms

Practice shows that the maximum dividends are brought by “long” deposits for 3 years at a high interest rate. The catalog presents all banks, located in accordance with the rating, which is calculated according to various parameters - the volume of assets, profits, loans, deposits.

Acting as an expert financial market, the company "Creditznatok" offers reliable, up-to-date and systematic information on finding attractive ruble deposits with replenishment for 3 years to all categories of the population, including pensioners.

Features of deposits for a period of 3 years

Before you open bank deposit for three years with additions, you need to familiarize yourself with the ratings and choose a reliable partner. What you should pay attention to when making a long-term bank deposit:

• it is desirable that the bank is included in the top;
• it must have good reviews, a long history;
• It is important to have a developed network of branches in Moscow and other cities of the country;
• accessible and convenient banking products and services.

Preference should be given to government agencies that offer popular types of placement of funds with the possibility of replenishment under favorable interest rate. Traditionally good conditions for pensioners and individuals Sberbank offers, this is a guaranteed supplement to your pension or family budget, which goes into your bank account every month.

Choosing the maximum benefit

A convenient search algorithm allows you to sort offers by amount, time of placement of funds and bet size, and also take into account the currency of placement. Traditionally, ruble offers with high percentage. IN separate category In-demand ruble deposits have been allocated for pensioners for 3 years. The CREDITZNATOK portal contains the most up-to-date information on banking products in real time, it is systematized taking into account key positions and customer requirements to help open profitable deposit quickly and conveniently, at the highest possible interest rates.

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• Changes in rates

  Energobank has revised the terms of deposits

  Energobank announced a change in the conditions for placing ruble deposits. The rate on the “Pension Mood” deposit currently reaches 5.1% per annum. The minimum placement amount within the program is 5 thousand rubles. The term for placing funds is 200 or 367 days. The maximum rate on the “Convenient” deposit is now 4.7% per annum.

  18 Feb 2020

• Changes in rates

  Genbank has revised the rates on the “Winter's Tale” deposit

  Genbank reduced interest rates on seasonal contribution"Winter's Tale" by 0.3%. Now the yield ranges from 4.45% to 5.1%, depending on the amount and term of placement. As part of the deposit program, the bank accepts funds for 45 or 91 days, the minimum amount is 50 thousand rubles. Replenishment and partial withdrawal funds are not allowed. Interest

  13 Jan 2020

• Rossiya Bank presented a special “Welcome” deposit

  Residents of Nizhny Novgorod and Simferopol can open a “Welcome” deposit at Rossiya Bank. The deposit was developed in honor of the opening of new bank representative offices in the capital of the Republic of Crimea and the largest city in the Volga Federal District. The “Welcome” deposit can be opened for a period of 1 or 3 months (31 or 91 days). Profitability

  23 Oct 2019

• New product

  RRDB introduced a “Holiday” deposit with a yield of up to 7.1% per annum

  In the asset All-Russian Bank regional development, a new deposit service has appeared with increased profitability. A rate of 7.1% per annum is provided when placing funds in an amount of 5 million rubles for a period of 6 to 12 months. When placing a smaller amount, the deposit rate is reduced by 0.1 percentage points. Minimum deposit amount

  16 Sep 2019

• Current

  The Central Bank of the Russian Federation has established the level of basic profitability of August deposits

  The yield on fixed-term ruble deposits decreased in August, while the yield on demand deposits increased. Bets on foreign currency deposits may be reduced. Such recommendations were published by the Central Bank. In August, the basic level of return on demand deposits was increased from 6.24% to 6.338%. For time deposits – reduced by 0.11-0.26%. Profitability fell the least

  July 19, 2019

• New product

  NS Bank presented “Solnechny” deposit

  NS Bank has developed a new short-term deposit service. The Solnechny deposit can be opened by both existing and new clients financial structure until the end of this month. The yield on the deposit product is 7.5% per annum. The minimum placement amount is 100 thousand rubles. “Sunny” deposit is issued for 3 months (91 days).

  June 18, 2019

• New product

  "United Capital" introduced new deposits for individuals

  United Capital Bank has developed new deposit products for retail clients that can be issued through the remote banking system. The “Term Online” deposit is issued for a period from 3 months to 2 years. The maximum return on the deposit service is 7.3% per annum. Rate provided upon placement

  04 Apr 2019

• New product

  “Vozrozhdenie” has reactivated the “Good Traditions” contribution

  Bank Vozrozhdenie has resumed accepting funds from the public under the Good Traditions deposit program, which appeared in the credit and financial structure at the beginning of 2018. The starting amount for placement within the Good Traditions service is set at 30 thousand rubles. The deposit is issued for 1.5 years. Deposit rate including

  31 Jan 2019