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U C B A N K

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Updates:

Now offering up to 4.00% p.a. interest on savings accounts.

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Fixed Deposit Account

Grow Your Wealth with Confidence

Lock in competitive returns with a UC Bank Fixed Deposit.

  • Flexible Tenure
    Options

  • Attractive Interest
    Rates

  • Secure &
    Risk-Free

  • Premature Withdrawal
    Option

Why Choose

A Fixed Deposit?

A Fixed Deposit (FD) is a secure and time-tested investment option where your money earns a fixed interest rate over a pre-determined period. Unlike market-linked instruments, FDs offer predictable returns and capital protection, making them an ideal choice for conservative investors and long-term savers.

With UC Bank Fixed Deposits, you benefit from:


  1. • Guaranteed Returns

    2. Interest rates are locked in at the time of deposit, protecting your earnings from market fluctuations.


  2. • Flexible Investment Terms

    3. Choose from short-term deposits (as low as 7 days) to long-term options (up to 10 years), depending on your financial goals.


  3. • Joint Accounts & Nomination Facility

    4. Interest rates are locked in at the time of deposit, protecting your earnings from market fluctuations.


Open an Account
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Grow Your Savings
with Confidence

Let your money work for you. With UC Bank Fixed Deposits, you can grow your wealth securely while planning ahead with clarity.

2024 Performance Snapshot

84% of our deposit customers renewed or extended their fixed deposits, a strong sign of trust in our consistent returns and service reliability.


Transparency You Can Trust

Our annual income statement and customer reports are publicly accessible, reinforcing our commitment to accountability and customer confidence.

Fixed Deposit Account Benefits

Secure, reliable, and rewarding savings, built for your future.

  • Attractive Interest Rates

    Earn competitive returns up to 6.75% p.a., depending on deposit amount and tenure.

  • Flexible Tenure Options

    Choose deposit durations from 7 days to 10 years, depending on your savings goals.

  • Auto-Renewal Facility

    Automatically renew your fixed deposit upon maturity for uninterrupted interest earnings. .

  • Loan Against Deposit

    Get up to 90% of your deposit amount as a loan without breaking your FD.

  • Safe and Insured

    Deposits up to $250,000 insured as per FDIC guidelines, providing peace of mind.

  • Premature Withdrawal Option

    Withdraw early if needed, subject to applicable charges, giving you both stability and flexibility.

Frequently Asked Questions

Find quick answers to the most common questions about our banking services.

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  • What is the minimum balance required?

    Most accounts require a minimum daily balance of $100. However, our Student and Basic Savings Accounts have no minimum balance requirement.

  • How long does it take to open an account?

    Account opening typically takes less than 5 minutes online, provided all documents are submitted correctly and pass verification.

  • What documents do I need to open an account?

    You’ll need a government-issued photo ID, proof of address (like a utility bill or bank statement), and a recent passport-sized photo.

  • Is online banking available for all accounts?

    Yes. UCBANK accounts come with secure online and mobile banking access to manage your funds anytime, anywhere.

  • Are my funds insured?

    Yes. All deposits are insured up to the applicable limit by the Federal Deposit Insurance Corporation (FDIC) or equivalent national deposit insurance scheme.

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