Certificate of Deposit

Right for you if you want: 

  • Interest payment at maturity or annually for Terms of 2 years or more 

  • Terms from 90 days to five years

These safe and secure investments are available in a full range of terms and are redeemable at maturity. With our Fixed Term Deposits you will earn a competitive guaranteed rate of interest, based on the term selected.

Available Terms:
90 - 179 days 18 months 4 years
180-364 days 2 years 5 years
1 year 3 years  

Minimum Balance Required: $2,500 XCD

Early Redemption: not allowed

Interest Payment Frequency: at maturity or annually for terms of +2 years


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  • Rates and Fees

    Personal Financial Services Agreement Rates & Fees Schedule St Maarten (USD)

    Effective Date: August 4th 2020

    This schedule of interest rates and fees (“schedule”) forms part of the Agreements, which include the Personal Financial Services Agreement booklet and the Deposit Account Agreement.  Terms used in this schedule have the same meaning as in the Agreements unless otherwise indicated.  We can amend, change, modify, add or remove any of the rates, fees, benefits, features and services that are set out in this schedule.  If we do, we will notify you of any changes in accordance with the Agreements.

    90 - 179 days $1,000 (USD)/ANG 2,000 At Maturity
    180 - 364 days $1,000 (USD)/ANG 2,000 At Maturity
    1 year $1,000 (USD)/ANG 2,000 At Maturity
    18 months $1,000 (USD)/ANG 2,000 At Maturity
    2 to 5 years $1,000 (USD)/ANG 2,000 Annually


    * Balance must not drop below the Fee waiver amount in order for fees the be waived.

    ** Overdraft calculation is based on 365 days for all account types.

    *** Notwithstanding what is indicated on page 3 in the Interest rates and interest calculations section of the PFSA (April 2019) booklet, interest on the Savings accounts and Speciality Accounts is calculated by using the lowest Account balance during the month and is paid to the Account on the last business day of the month. The interest calculation and payment frequency set out in this Rates & Fees Schedule amends and replaces the wording on page 3 of the PFSA (April 2019) booklet.