Type of deposit

12 months term deposit

Currency

• MKD

• Minimal deposit: 2.000,00 MKD

Term period

• 12 months

Making an agreement

• In all branches and desk offices of FULM Savings House

Interest rate

•  2,40% variable interest rate, at a reference interest rate of 6,30% 
• 1,55% variable interest rate,  with EUR currency clause,  at a reference interest rate of 6,30 % 
• 3,40% fixed interest rate 
• 1,55% fixed interest rate, with EUR currency clause

  Calculation is on the basis of daily compound method.

Confidentiality

• Time deposits data are a business secret of the FULM Savings House

Insurance

• The Savings House insures the deposits with the Deposit Insurance Fund
• FULM Savings House guaranties with its founding capital for the security of the deposits

Specification

• The depositor must be a full member of the Savings House

Advantages

• Attractive interest rates
• Safe place to save
• Possibility for monthly withdrawal of interest
• Possibility to use the deposit as loan insurance