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Advantages
An interest rate that increases from one period to the next
No loss on previously accrued interest
Opening and maintaining the account is free of charge
Fixed interest rates
Pre agreed interest rate over the entire period
Product description
Stepped Interest Rate Savings is a flexible AIK Banka savings product where the interest rate increases after each individual term period. Upon the expiry of each term deposit period, the interest on Stepped Interest Rate Savings is paid out to the client’s standard RSD account. Stepped Interest Rate Savings awards client loyalty by increasing the interest rate at the start of each period, with interest payout according to the agreed dynamics. Secure a pre-agreed ‘stepped’ or increasing interest rate over a period of 12 months. Cancellation of the term deposit does not lead to loss of previously accrued interest.
Stepped Interest Rate Savings in RSD 6 x 2 months = 12 months being the full savings cycle
The minimum amount of the term deposit for this model of Stepped Interest Rate Savings in RSD amounts to EUR 1,000 in the RSD equivalent of the middle exchange rate on the deposit date.
| Stepped Interest Rate Savings in RSD Period: 2 months | Nominal Interest Rate | Effective Interest Rate |
| First term deposit period | 1.70% | 1.73% |
| Second term deposit period | 1.90% | 1.94% |
| Third term deposit period | 2.10% | 2.14% |
| Fourth term deposit period | 2.40% | 2.45% |
| Fifth term deposit period | 2.70% | 2.76% |
| Sixth term deposit period | 3.00% | 3.06% |
Example of Stepped Interest Rate Savings in RSD
| 6x2 | |
| Term Deposit amount | 1.000.000 |
| Currency RSD | RSD |
| Period | 12 M |
| Interest rate_Period 1 | 1.70% |
| Interest rate_Period 2 | 1.90% |
| Interest rate_Period 3 | 2.10% |
| Interest rate_Period 4 | 2.40% |
| Interest rate_Period 5 | 2.70% |
| Interest rate_Period 6 | 3.00% |
| EIR | 2.35% |
| GROSS Interest Rate in RSD | 23.308,33 |
| Tax | / |
| NET Interest Rate in RSD | 23.308,33 |
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