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interest rate in the country continues to grow, and this is a good time to protect your savings and achieve higher profits. Especially now when many people choose to get out of CTS and AFP and still withhold money from bonuses.
So if you have excess liquidity, it will be important to take a bank tour to find out how much institutions are offering you for your fixed term savings. Remember that you can keep your money for 3 or 6 months and up to a year., depending on the object. Also, don’t forget to make sure that they are all guaranteed by the Deposit Guarantee Fund (DGF).
Interest rates paid by financial institutions for any type of savings, such as term depositsmay be a better alternative for those who have excess liquidity and are looking for higher returns for their money.
The highest average interest rate in sols on term depositsfor more than 360 days, is under 8.96% per annum as of June 2022 and offered by Caja Metropolitana, according to information published by the Banking, Insurance and AFP Authority (SBS).
It is followed by Financiera Efectiva and Financiera Proempresa with 8.91% each as of August 5, 2022, Financiera Qapaq with 8.87% as of the 5th of this month, Alfin Banco with 8.70% as of the 5th of this month month and Caja Rural de Ahorro y Credito (CRAC) Los Andes with 8.35% as of June 2022, among others.
What is the Deposit Insurance Fund?
All organizations supervised by the GSB are insured by the Deposit Guarantee Fund (DGF). which covers the maximum of S/121 910.
With this fund, there is no risk of losing money. Financial professionals recommend that the user, if it exceeds 121,910, diversify the deposit with more than one financial institution in order to take advantage of the FSD.
What are urgent accounts?
According to the SBS, a term account is one that is created by depositing money over a specified period of time. The person undertakes not to speak Money before the deadline, otherwise you may pay a fine.
As a reward, the financial institution will pay an interest rate depending on the duration of the contract.
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.