Lock in guaranteed fixed rates on terms from 3 months to 5 years. No market risk — just predictable, reliable growth.
Share Certificates (known as Fixed-Term Deposits at most banks) offer a guaranteed, fixed interest rate for an agreed term. Unlike savings accounts, the rate does not change after you open the certificate — so you know exactly how much you will earn by maturity, regardless of what happens to interest rates in between.
They are ideal for money you do not need immediate access to — savings earmarked for a future home purchase, a large investment, or simply funds you want working harder without any risk.
Higher rates for longer commitments. All rates are fixed for the full term.
Early withdrawal is permitted with 30 days' notice, but a penalty applies — typically equivalent to 90 days' interest for terms up to 12 months, or 180 days' interest for longer terms. This is disclosed in full when you open the certificate.
Seven days before maturity, we notify you by email and SMS. If you take no action, the certificate automatically renews at the prevailing rate for the same term. Alternatively, you can choose to withdraw your funds or switch to a different term.
No — once a certificate is opened at a fixed rate, the balance is locked. However, you can open additional certificates at any time, even at a different term or rate tier, and manage them all through your online banking portal.
Yes. All CUSB Share Certificates are protected under the Cyprus Deposit Protection Scheme up to €100,000 per depositor (or €200,000 for joint certificates), in accordance with EU Directive 2014/49/EU.
There is no maximum deposit limit. However, deposits above €100,000 from a single depositor exceed the protection scheme threshold. Members with very large balances are encouraged to speak with an advisor about how to structure their savings for maximum protection.
Open a Share Certificate online in minutes. Guaranteed returns, zero risk.