Classical
Classical Deposit - a simple and available means that will make your money work without your efforts. The Deposit will provide you a guaranteed income due to a fixed interest rate.
| Deposit Currency | UAH, USD, EUR | ||||
|---|---|---|---|---|---|
| Term of Deposit | 1, 3, 6, 12 months | ||||
| Interest Rate (per annum)* | — | UAH | USD | EUR | |
1 month** 3 months** | 17,50% 19,00% | 9,00% 9,50% | 7,00% 8,00% | ||
| 6 months | 19,00% | 10,00% | 8,00% | ||
| 12 months | 20,25% | 10,00% | 8,25% | ||
| Interests Repayment | At the end of the Deposit term. | ||||
| Minimum Amount of a Deposit | 1000 UAH, 200 USD, 200 EUR | ||||
| Replenishment | Not allowed. | ||||
| Partial Withdrawal of a Deposit | Equals to the premature recall of the entire amount of deposit. | ||||
| Premature Recall | At a rate of 2% per annum in UAH and 0.5% per annum in foreign currency for the entire term of a Deposit. | ||||
| Advantages | Fixed interest rate for the entire term of a Deposit. | ||||
For depositors who after the end of a deposit term re-execute the amount of the deposit for a period of not less than 3 months an increased by 0,75% pa interest rates are set on deposits in national currency and 0,2% pa on deposits in foreign currency; for a term 6 months — by 1% and 0,3% respectively, for a period of 12 months or more - 1.25% and 0.4% respectively (excluding Weekly and Saving deposits). Terms of loyalty in case of Classical deposit autoprolongation are the same.
For depositors who have placed a deposit the amount of which is equal to or bigger than UAH 500 000 or USD 75 000 or EUR 50 000 an increased by 0.25% pa interest rates are set (excluding Weekly and Saving Deposits).
For individuals who receive compensation from the Deposit Guarantee Fund and place these funds on deposits in Ukrsotsbank an increased by 0.5% pa Interest rates are set on deposits in national currency and 0.3% pa on deposits in foreign currency (excluding Weekly and Saving Deposits)
Attention! In the period from 21.12.09 to 20.03.10 holders of Ukrsotsbank salary cards will get the increased size of the interest rate, namely:
- increase of interest rates at 0.2% per annum for all types of deposits (excluding Weekly and Saving deposits);
- increase of interest rates at 0.3% on Capital and Purpose deposits provided drawing of permanent power of attorney for regular money withdrawal from the salary account to replenish the deposit, opened in Ukrsotsbank. The amount of replenishment must be at least UAH 30 or EUR 6 or USD 6.
The increased size of interest rates on deposit is not summed up.
* Interest rates on deposits of individuals which are valid at the conclusion of agreements of bank deposit, starting from 26.02.2010.
**For Classical deposit opened for a term of 1 and 3 months there is a possibility of automatic prolongation of the deposit for a new period.
The conditions under which automatic prolongation is being provided:
- occurs if the depositor not less than 1 working day before the expiration of the deposit term is not drawn to the bank to get the deposit amount;
- automatically prolonged is the amount of deposit, increased by the amount of accrued interest;
- deposit is being made for the same term, while the term is calculated from the date of prolongation;
- deposit may be prolonged more than once;
- partial delivery of a deposit equivalent to the early return of all deposit amount;
- in the event of early termination of the deposit, interest rate for the period after the expiration of the previous full period before the customer’s deposit withdrawal is being calculated, according to the standard conditions of deposit early withdrawal;
- in the event if at the day of prolongation the type of deposit has ceased, the amount of deposit returns to the current account of the depositor;
- from the moment of prolongation conditions and interest rate come into force:
- if interest rate in effect on particular type of deposit for the moment of prolongation is lower than the rate which operated at the time of deposit placement, fixed rate which is in force at the moment of auto prolongation is being set;
- if interest rate in effect on particular type of deposit for the moment of prolongation is at the level/higher than the rate which operated at the time of deposit placement, the rate remains the same as it was set priority;
Loyalty program is being used (allowances are not summed up) at one’s own choice:
- or allowances applicable to the re-issuance of deposits;
- or allowances applicable to the depositors-pensioners (current terms of loyalty: when presented retirement certificate of pensioners of Ukraine). Allowance for depositors-pensioners is applied only to new Classical deposits with auto prolongation and comes into effect from February 23, 2010.
Allowances on deposits are not summed up.