Date: 1 January 2019
| Currency | UAE Dirham |
| Minimum Deposit Amount | AED 25,000 |
| Minimum Lock-in Period | One year with freedom to choose maturity between one, two and three years |
| Interest Rates and Payment | Step-up rates as per below table. Semi-annual payments |
| Early Redemption | Possible* |
| O/D Facility Against Deposit | Possible ** |
(1)Redemption: Redemption of the deposit before maturity is subject to a notice of at least two (2) UAE business days in writing and no penalty if deposit is canceled on any interest payment date, after 1 year. Otherwise the applicable penalty will be one percent on the interest rate applied.
(2)Overdraft / Loan Facility: Possible up to 90% of the deposit amount. In case of loan: at an interest rate of 2% p.a. over prevailing six months EBOR rate or deposit rate (whichever is higher) and in case of overdraft: 3% p.a. over EBOR rate or Deposit rate (whichever is higher), secured against lien on the underlying deposit.
Guaranteed step-up interest rates
| Interest Period | Interest Rates Per Annum |
| 1st Semester | 2.65% |
| 2nd Semster | 2.85% |
| 3rd Semster | 3.00% |
| 4th Semster | 3.25% |
| 5thd Semster | 3.75% |
| 6th Semster | 4.25% |
