Fixed Deposit A/c
💸 Tired of Low Returns or Dormant Bank Accounts? Do you have money sitting idle or earning minimal interest? Are bank fees slowly eating away at your savings? The Fixed Deposit Investment by Baptist Convention SACCO LTD is your solution—offering guaranteed, competitive returns with full control over your investment terms. 📊 What is the Fixed Deposit Investment? A Fixed Deposit is a secure, fixed-income investment that earns you guaranteed interest over a set period. Invest your money for 3, 6, or 12 months and earn between 5% and 9% per annum, based on your deposit amount and term. You get your interest plus principal in full at maturity—or roll them over to continue growing.
✅ Why Choose Our Fixed Deposit?
Earn guaranteed interest of 5%–9% p.a.
Choose from 3, 6, or 12-month terms
Start with as little as KES 50,000
No administration fees
Open multiple deposit accounts
Use your deposit as loan security
Receive an advisory slip at maturity
Enjoy rollover options on maturity
🛡️ How We Invest Your Funds
Your Fixed Deposit funds are invested in secure, high-yield options such as:
Treasury Bills (91, 182, 364 days)
Government Bonds (1-year)
Money Market Funds (with indemnity)
Bank Fixed Deposits in licensed institutions
🔁 Maturity Options
At the end of your investment period, you can:
🔄 Auto Rollover
Reinvest principal + interest or principal only
Provide written instruction if opting out
💵 Withdraw
Request your principal + interest to be sent to your Kenyan bank account
Written notice required
📤 Transfer to SACCO Main Savings
Boost your loan eligibility or invest in SACCO projects
Qualify for loans up to 4x the transferred amount (subject to main savings contributions)
⚠️ Additional Notes
Early withdrawal leads to interest forfeiture
Fixed Deposit does not qualify for loan entitlements unless transferred
Not designed for premature withdrawals
📝 Opening a Fixed Deposit Account
Fill out the Fixed Deposit Application Form
Send funds via SACCO our payment channels
Receive confirmation & maturity notice
