One of the most popular and trustworthy financial institutions is the Russian Agricultural Bank. Deposits of individuals is the main service provided by her. Therefore, about them now and will be told.
"Profitable"
I would like to start with him. This is the most frequently opened by people contribution of the Agricultural Bank to individuals, since its feature is a high percentage that remains even if the client plans to deposit a small amount on the account.
To what percentage will be offered to the client depends on the period in which he is interested. The minimum is 6.5%, and it is set for deposits registered for 1 month. The maximum is 7.25%. And she relies on deposits issued for 455 or 540 days.
It is worth noting that the rate varies slightly and depending on how much the person has. For deposits over one and a half million rubles, for example, with a maturity of 455 or 540 days, the interest will be only 0.1% more - 7.35 percent.
In addition, it is possible to open an income deposit for the following number of days: 91 (6.95%), 180 (7%), 270 (7.05%), 395 (7.25%), 730 (7.15%), 910 (7%), 1,095 (6.9%) and 1,460 (6.8%). Rates are indicated for amounts up to 700,000 rubles.
"Investment"
This is another popular contribution of individuals to the Agricultural Bank. It can only be opened for 180 or 395 days. And the minimum amount is not 3,000 rubles, as in the previous case, a 50,000 rubles.
It is important to note that its registration is possible in case of simultaneous purchase of mutual investment funds. The amount by which they will be acquired by the client will become equal to his down payment.
It should be noted that the replenishment of this deposit is not provided, in the same way as the withdrawal of funds from it. But the rate is high. Here are some suggestions:
- 8.05% and 8.3% for 180 and 395 days for deposits of 50,000-1,500,000 rubles;
- 8.1% and 8.35%, respectively, if the amount is from 1,500,000 to 5,000,000 rubles;
- 8.35% and 8.6% for deposits in excess of 5 million rubles.
By the way, this offer is valid only until the bank decides to stop accepting funds for this type of deposit. It is not permanent.
"Amur tiger"
Talking about the deposits of individuals "Rosselkhozbank", you can not ignore this tariff. So, here are the conditions offered to customers:
- The terms for which you can open a deposit are 730, 540 and 395 days.
- Interest rates are 7.05%, 7.2% and 7.1%, respectively.
- The minimum amount is 50,000 p.
- Interest is paid on the Amur Tiger card, which is opened for deposit.
- It is impossible to replenish the account, to carry out expenditure operations, too.
The contribution is quite profitable. If you invest for 24 months (maximum term) an amount of 500,000 rubles, then after they expire a person will receive 70,500 rubles as interest. The rate will be equal to 7.05 percent.
"Cumulative"
This tariff is also worth talking about, since we are talking about the deposits of individuals of the Agricultural Bank. The interest on deposits that were mentioned earlier is higher than in this case, but there are advantages. So, here are the “Cumulative" conditions:
- The minimum amount is 3,000 rubles or 100 dollars / euros.
- Interest is either capitalized or transferred to a client account.
- Replenishment is possible, but at least 3 000 p.
- If during the replenishment period the volume of accumulated funds has moved into a higher sum category, then the percentage increases.
- Automatic prolongation is possible.
What about bids? They vary depending on how much a person has, and also on the period for which he plans to open a deposit. The minimum is 6.15% for 910 days for 3,000-100,000 rubles.A maximum of 6.9% for 455 days for deposits of more than 1 million rubles.
It is worth noting that the “Cumulative" tariff has limitations on the amount. The permissible maximum is 10,000,000 rubles.
"Save for a dream"
This is another tariff offered by Rosselkhozbank to its customers. The deposits of individuals, as already understood, have certain characteristics. This tariff is different in that it is available only to persons planning to buy a property or car on credit.
This deposit can be opened to the client if he provides a loan agreement concluded with the Agricultural Bank. In addition, at least 90% of the deposit will be redirected as an initial payment for the purchase (whether it be a car or a home). Otherwise, the conditions are as follows:
- The term is 730 days.
- The minimum and maximum is 3,000 and 10,000,000 rubles.
- Deposit replenishment - from 3 000 rubles.
- Consumables are not possible.
- The rate is 6.8%.
It is worth noting that in case of early demand for a deposit, interest is accrued for the period during which the money was in the account.
"Managed"
In a nutshell, it is worth talking about this contribution of individuals of the Agricultural Bank. Interest rates for this tariff also vary depending on the term and amount.
The minimum is 5.95%. This is the rate for deposits starting from 10,000 rubles. Open for 730 days.
The maximum is 6.4%. This is a rate for deposits of at least 500,000 rubles. Open for 455 days.
It is worth noting one important nuance. The fact is that when you make a deposit through remote service channels, the rate increases by 0.2%.
What about the conditions? In this case, replenishment of the deposit is possible, as well as expenditure operations. You can’t just go beyond the minimum balance, which, by the way, is determined by the client himself.
Offers for retirees
They would like to pay attention in the end. The Rosselkhozbank offers very beneficial and loyal deposits of individuals for pensioners. There is a tariff, it is called “Retirement income”. And here are the conditions:
- When applying for a pension certificate must be presented.
- The minimum amount is only 500 rubles. The maximum is two million.
- Dates - 395, 540 and 730 days.
- The rate is 7.5 percent.
- Interest is either capitalized, adding to the amount of the deposit, or transferred to an account opened by a pensioner at a bank.
- Replenishment is - from 1 ruble.
- Automatic renewal is available.
This is a profitable contribution. If, let’s say, a pensioner has the maximum allowable amount, and he wants to increase it by depositing it on the account for a maximum period of 24 months, then upon its expiration he will receive back 2 million and about 322,500 rubles as interest.
Pension Plus and other offers
This is another option for retirees. The conditions are almost the same. Ho in this case, the maximum amount is limited to ten million. A also provides for consumables. True, and rates are lower. For deposits for 395 days - 7.15 percent, and for those issued for 24 months - 7.2%.
Well, as you can see, Rosselkhozbank really has offers for customers with a variety of goals and income levels. There are several more tariffs, "Premium", for example. This is an option for affluent customers who have purchased a service package of the same name. For them, the highest percentages are offered. But in order to become a premium bank customer, you must have at least one and a half million rubles in your account.
So the above are the most widely available. Because they have the most flexible conditions and the best interest rates. And this is exactly what customers need.
In conclusion, I would also like to note that for people who have their own business, the organization also offers registration of various contributions. There are various tariffs - “Stable”, “Structural”, “Convenient” and many others. They differ in both rates and terms. However, this is a completely different topic.