The maximum percentage of ruble deposits for 3 years. We compare offers of banks on deposits for three years. The Central Bank of the Russian Federation has set the level of basic profitability of August deposits

A three-year deposit involves keeping funds in a bank for three years, but in most cases, the agreement also indicates the possibility of early withdrawal of part of the funds or the entire amount. This reduces the interest rate, but gives the client more freedom to use the funds. There are also products that do not involve early withdrawal or retention of accrued interest in such a case. They usually have a higher interest rate and are beneficial for those who are not going to use the money anytime soon.

Deposits for 3 years are beneficial for targeted storage of funds. In this way, you can save any amount for a mortgage, buying a car, paying for education or travel. Over a long period of savings, the accrued interest will also be significant, which will help not only maintain, but also increase the initial amount.

Our services

You can choose a profitable product on our website using a special filter. The search is carried out by several parameters at once:

• minimum investment amount;
• interest rate;
• currency;
• storage period;
• rating.

The rating allows you to get an idea of ​​cooperation with the bank even before the registration of any products in it. When ranking the offers of banks in the list, the most important indicators convenience of cooperation with the bank:

• profitability;
• the reliability of the institution;
• deposit options (replenishment, interest capitalization);
• availability.

Current offers

Among the most profitable deposits for 36 months with a high interest rate on this moment the following options can be noted:

• with a minimum deposit amount from 1,000 to 500,000 rubles;
• with an interest rate of up to 7.06%.

In order to leave only deposits for three years in the list, you must select the appropriate filter item. The issue contains offers of both large international banks and small regional branches. You can make a deposit in rubles, dollars or euros.

Learn more about deposits

Not satisfied with any of the presented deposits for three years? You can subscribe to our newsletter and receive news about all current and new contributions. To subscribe, just enter your email address in the appropriate field.

The databases on the site are automatically updated every 24 hours, and with us you will always be aware of the highest interest rates for this type banking services to date. Even on the portal, you can learn about the current situation on the market and get acquainted with the opinions of the most famous experts. Using a convenient service with a mailing list format, you will be aware of the most latest news and shares on deposits.
the site is a really high-quality and useful resource in investing and saving personal funds.

Some banks offer depositors long-term deposits, namely for three years, which, in fact, is a rarity. For the most part, banks do not offer deposits for more than one year, but interest rates for such programs are somewhat higher. Consider the tariffs and conditions for deposits for three years in some banks.

Sberbank line

Sberbank of Russia offers three fixed-term deposits for a period of three years. But, only one of them provides for operations on the expenditure of funds and replenishment of the account. Consider the conditions of the bank.

Contribution "Manage". The minimum amount to open a deposit is 30,000 rubles, while the interest yield will be 6%. The higher the deposit amount, the higher the percentage. Thus, the maximum rate will be 6.5% with a minimum balance of 2 million rubles.

The client can choose the conditions for the deposit. Namely, independently determine the size of the minimum balance and the method of paying interest - they can be capitalized, in which case the rate will be several positions higher. There are no incentives for early termination. At the end of the term, the contract is automatically renewed.

"Replenish" can also be opened for a period of three years. This offer is more beneficial for those who want to get a good profitability for a certain period. The deposit does not provide for debit transactions. But you can replenish the main amount of the deposit throughout the entire term of the contract. At the same time, when the size of the minimum balance reaches the next amount range, the interest rate will be automatically increased. Thus, with a minimum investment of 1,000 rubles, the yield can be from 6.5% to 7%. If the investor prefers capitalization conditions, the interest rate will be higher than indicated. A feature of this deposit is an increased rate for pensioners (with a minimum balance of 1000 rubles - 6.5%).

"Save" created for those who want to get the maximum benefit from investing money for a period of three years. Of the entire line of Sberbank, the highest percentage and the lowest initial deposit are offered here, but this product does not allow debit and credit transactions. With a minimum investment of 1,000 rubles, the yield can range from 6.90% (7.64%) to 7.4% (8.26%). Rates in parentheses include capitalization.

All of the above deposits can be opened in US dollars or euros. In addition, each of these can be opened remotely through Sberbank Online. In this case, interest rates will be more favorable.

Alfa-Bank deposits

Alfa-Bank also offers deposits for 3 years, but here the interest rates are much higher. For example, contribution "Victory", as well as "Save" from Sberbank of Russia, you cannot replenish and withdraw part of the money from the account. The interest rate also depends on the amount of the down payment and the minimum balance and varies for a period of three years in the range from 12.42% to 12.96%. Accrued interest is paid only at the end of the term of the deposit, but their capitalization is carried out every month. Under the Pobeda program, the minimum balance must be at least 10,000 rubles and, unlike Sberbank, preferential rates are not provided for premature closing of the deposit. At the end of the period of placement of funds, the contract is automatically extended.

The “Premium” deposit assumes the same conditions as “Victory”, but here you can use the accrued interest, which will be transferred every month to a current account or a plastic card. The rate for placing money for three years will be from 10.6% to 11%.

Another interesting offer from Alfa-Bank is the Potential deposit, which is issued in the amount of 10,000 rubles at 7.9-8.3 percent per annum. This deposit is replenishable, interest is capitalized, and the possibility of partial spending of funds from the deposit is also allowed.

As well as in the Sberbank of Russia, all of the above deposits can be opened in US dollars or euros. In addition, each of these deposits can also be opened online.

Deposits in VTB24

Less favorable interest, but more flexible terms for deposits for three years and more are offered by VTB24. Here you can open several deposits for three years. Let's take a closer look at the product "Comfortable". It allows the depositor to replenish the deposit and use the accrued interest, as well as carry out debit transactions. The amount for opening a deposit is from 100,000 rubles, the percentage yield is 6.05-6.3 percent. Preferential rates are provided for premature closing of the deposit. At the end of the validity period, the deposit is automatically renewed.

Another deposit from VTB24, which can only be opened remotely for a period of three years or more "VTB24 - Comfortable - Telebank". The amount to open a deposit is from 10,000 rubles, the yield is from 5.9% to 7.46%. The interest rate also depends on the amount of the down payment. This deposit allows you to replenish the principal amount of the deposit and use interest, which, at its discretion, will be transferred every month to the current account or capitalized. However, the contract does not provide for preferential terms for early termination. At the end of the validity period, the contract is automatically renewed, but no more than two times.

Both deposits can be opened in US dollars or euros.

Raiffeisenbank, unfortunately, does not offer deposits for a period of three years. Maximum validity period ruble deposits– up to 730 days.

Russian Standard Bank" also, like Raiffeisenbank, it prefers to conclude an agreement for less long term. The maximum term of deposits is less than a year, namely up to 360 days.

You can find more detailed information on the above deposits, as well as other bank products, on the official websites.

A strict austerity regime, hard work, an inheritance or a gift can give you a free amount of funds that can be disposed of in a variety of ways: hide money in a secret place, invest in a business, buy real estate, etc. AT recent times deposits in Moscow are gaining more and more popularity. They allow you to guarantee the preservation of capital, including through state insurance, as well as receive additional income in the form of interest paid.

Moscow bank deposit rates

Since the interest on deposits in Moscow largely determines how much the deposit will be added to the initial one, many consider them the most important condition for a deposit and, on this basis, make a choice of a program and a bank.

Of course, deposit rates have a great influence on the profitability of deposits in Moscow, but not only they can reduce or increase your profit. So, the type of deposit itself can greatly affect the profitability of the entire deposit program:

• term deposits with a strict limitation of the period of savings are characterized by the highest interest rates;
• termless or short-term deposits are usually accompanied by lower interest rates on deposits in Moscow banks.

Thus, if you want to open a deposit under high interest, then try to correctly plan your budget in order to be prepared to comply with certain restrictions:

• a ban on closing a bank deposit in Moscow ahead of schedule;
• ban on partial withdrawal funds placed on the deposit.

Violation of these rules on deposits in Moscow banks can lead to penalties from the bank and a decrease in the initial rate.

In addition, you can choose the period of interest payments. There are several options:

• daily;
• once a week;
• once a month;
• once a quarter;
• only at the end of the term.

All interest on deposits is charged individuals in Moscow daily, but may differ from each other by the presence of capitalization.

In which bank of Moscow is it better to open a deposit?

In 2020, many banks work with deposits: Sberbank, VTB, Russian Agricultural Bank, Post Bank, Alfa Bank, etc.

To open a deposit in Moscow on the best terms, you will have to spend time studying all the relevant options, calculations, consultations with specialists.

Get all the information you need quickly active deposits The deposit calculator on this page will help you:

1. Enter your deposit requirements.
2. Get full list current deposits in Moscow banks are updated for today.

After that, you will be able to make an informed choice, as well as immediately submit an online application for the selected deposit program.

Replenishment of the current account of an LLC is a common thing for any business when there is not enough money to complete the necessary operations. Moreover, the organizational and legal form impose their own characteristics on the transfer of funds by the participants of the company. We will figure out how to deposit money into the account of an LLC.

Good advice

Sberbank expanded the geography of instant transfers outside of Russia

In April 2019, the bank announced the launch of a service for quick transfers to neighboring countries, including former USSR, which we will discuss in this article.

Underwater rocks

How to understand that something is wrong with bonds

From a default, as a result of which investors lose their invested money, no one is immune. But by a number of signs, one can understand that something is wrong with the bonds and the issuer.

Underwater rocks

Account in a foreign bank. What reporting to submit

More and more Russians open accounts abroad. This is convenient for those who permanently or for a long time live abroad, and for those who travel frequently. But the account foreign bank These are not only new opportunities, but also new responsibilities. Let's talk about them.

For legal entities

Cashback for entrepreneurs. What is he?

There are loyalty programs for corporate clients. For expenses on a business card, as well as for the purchase of banking services, they are returned a percentage. What types of cashback for entrepreneurs exist, we will tell further.

For legal entities

Funds in the accounts of small businesses are insured

Small business companies place funds on settlement accounts and bank deposits. If a financial institution “bursts”, this category of clients risks losing money. Since 2019, the situation has changed, since the funds of small businesses are included in the deposit insurance system, which we will discuss in this article.

• Changing rates

  Energobank has revised the conditions for deposits

  Energobank announced a change in the conditions for placing ruble deposits. The rate on the "Pension Mood" deposit currently reaches 5.1% per annum. The minimum amount of placement under the program is 5 thousand rubles. The term for placing funds is 200 or 367 days. The maximum rate on the "Convenient" deposit is now 4.7% per annum.

  18 Feb 2020

• Changing rates

  Genbank has revised the rates on the deposit "Winter's Tale"

  Genbank lowered interest rates on seasonal deposits winter fairy tale» by 0.3%. Now the yield is from 4.45% to 5.1%, depending on the amount and term of placement. As part of the deposit program, the bank accepts funds for 45 or 91 days, the minimum amount is 50 thousand rubles. Deposits and partial withdrawals are not allowed. Interest

  13 Jan 2020

• Bank Rossiya presented a special deposit "Welcome"

  Residents of Nizhny Novgorod and Simferopol can apply for a "Welcome" deposit at Rossiya Bank. The deposit was developed in honor of the opening of new representative offices of the bank in the capital of the Republic of Crimea and the largest city of the Volga Federal District. The "Welcome" deposit can be opened for a period of 1 or 3 months (31 or 91 days). Yield

  23 Oct 2019

• New Product

  RRDB introduced a "Festive" deposit with a yield of up to 7.1% per annum

  The All-Russian Bank for Regional Development has a new deposit service with increased profitability. The rate of 7.1% per annum is provided when placing funds in the amount of 5 million rubles or more for a period of 6 to 12 months. When placing a smaller amount, the deposit rate is reduced by 0.1 percentage points. Minimum deposit amount

  16 Sep 2019

• Actual

  The Central Bank of the Russian Federation has set the level of basic profitability of August deposits

  The yield on fixed-term ruble deposits decreased in August, while on demand it increased. Rates on foreign currency deposits may be reduced. Such recommendations were published by the Central Bank. In August a basic level of the yield on demand deposits increased from 6.24% to 6.338%. For term deposits - reduced by 0.11-0.26%. Profitability dropped the least

  July 19, 2019

• New Product

  NS Bank presented "Solnechny" deposit

  NS Bank has developed a new short-term deposit service. The Solnechny deposit can be opened by both existing and new clients of the financial structure before the end of this month. The yield of the deposit product is 7.5% per annum. The minimum placement amount is 100,000 rubles. A "solar" deposit is issued for 3 months (91 days).

  June 18, 2019

• New Product

  United Capital presented new deposits for individuals

  Bank "United Capital" has developed new deposit products for retail clients, which can be issued in the remote banking system. "Term online" deposit is issued for a period of 3 months to 2 years. The maximum yield of the deposit service is 7.3% per annum. Rate provided upon placement

  04 Apr 2019

• New Product

  Vozrozhdenie reactivated the Good Traditions deposit

  Bank Vozrozhdenie resumed accepting funds from the public under the Good Traditions deposit program, which appeared in the assets of the credit and financial structure in early 2018. The starting amount for placement under the Good Traditions service is set at 30,000 rubles. The deposit is issued for 1.5 years. Deposit rate taking into account

  31 Jan 2019