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PASHA Bank

Certificate of Deposit

A Certificate of Deposit (CD) is a secure and predictable way to grow your savings. It offers a fixed interest rate over a set period, typically higher than regular deposit accounts. While your funds are locked in until maturity, this option is ideal if you're looking for stability and want to maximize returns on your long-term savings.
PASHA Bank offers two types of deposit certificates: Coupon CD (interest-bearing) and Zero-Coupon CD (discounted).
With a Coupon CD, you purchase the certificate at its nominal value, and the bank pays you interest either monthly, quarterly, semi-annually, or annually.
With a Zero-Coupon CD, you purchase the certificate at a discounted price, and at maturity, you receive the nominal value of the certificate. The difference between the nominal and discounted value represents your profit.

conditions:

Currency: GEL, USD, EUR 

Minimum face-value: 5,000 GEL/USD/EUR 

Maximum face-value: 2,500,000 GEL, 1,000,000 USD/EUR 

Terms: 3 month – 36 months 

Interest rates for non-resident individuals are 0,5% less 

Disposal Fee payable to the Bank: 0.1% min 20 GEL 

Repurchase Fee payable to the Bank: Current interest rate which is applicable at the Bank on remaining term (or the next closest term) of the CD + 3% 

These interest rates are standard offers for monthly withdrawal of interest. Rates for different cases will be considered as special offers. Special offers will be defined individually 

Effective interest rates are calculated for 5,000 units 

Effective interest rates change according to the CD volume, maturity date and interest accrual method 

deposit

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