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fixed term deposit this is something that scares more than one person, because they are never happy with the interest they are paid, but, according to Banking, Insurance and AFP Directorate (SBS) there are organizations that pay you more than 7% for the savings that you accumulate for at least one year.
This information is important, especially since AFP delivery is due soon, so find out which ones bring you the most profit.
higher interest rate which is delivered to the country 7.62% and it is provided by Caja Rural de Ahorro y Crédito (CRAC) Los Andes, followed by Caja Rural Del Centro which provides 7.48% for an annual deposit.
Meanwhile, financial which brings more interest and reaches 7.30% is Financiera Efectiva, followed by Alfin Banco with 7.11%, then Financiera Qapaq with 7.10%.
Meanwhile, the institutions that give you interest below 5% are the municipal savings banks of Trujillo, Piura and Santa with 4.94%, 4.84% and 4.78% respectively. Meanwhile, the Interbank Bank pays less interest, reaching 2.53%.
SBS reminded that published properties are subject to Deposit Insurance Fund (FSD), while it is insured for up to 121,910 S / 1 financial person, so there is no risk of losing them.
For this reason, the supervisor has advised the user to diversify their deposits with more than one financial institution when the surplus exceeds S/121,910.
What is a term deposit?
On the site SBS It is indicated that this type of deposits represents savings made by a person for a certain period of time, either for 3 or 6 months and up to 1 year.
For these savings, the financial institution must pay an estimated interest rate based on the persistence function. If withdrawals are made early, penalties may be paid.
Source: RPP
I am Dylan Hudson, a dedicated and experienced journalist in the news industry. I have been working for Buna Times, as an author since 2018. My expertise lies in covering sports sections of the website and providing readers with reliable information on current sporting events.