Ensure the well-being of your family today.
Receive your interest earnings at the end of every month.
Earn bonuses at the conclusion of the first three quarters.
Depending on the deposit amount, receive international payment cards and a loan or credit line of up to 95% of your deposit value.
| Card | Annual service commission fee | Minimum limit of the credit line | Minimum amount of deposit |
| American Express Gold | 35,000 AMD (instead of 50,000 AMD standard tariff) | 1 MM AMD or corresponding foreign currency |
|
| American Express Blue | 3,000 AMD (instead of 10,000 AMD standard tariff) | 180,000 AMD or corresponding foreign currency |
|
The following interest rates apply when making a Family Time deposit with acba digital:
Duration | Deposit annual nominal interest rate | Deposit annual interest yield* | ||||||
| AMD | USD | EUR | RUR | AMD | USD | EUR | RUR | |
First 3 months (31-90 days) | 4.35% | 0.35% | - | 0.6% | 4.44% | 0.35% | - | 0.60% |
4-6th months (91-180 days) | 5.6% | 1.35% | 0.6% | 1.6% | 5.74% | 1.36% | 0.30% | 1.61% |
7-9th months (181-270 days) | 6.85% | 2.35% | 1.1% | 2.6% | 7.05% | 2.37% | 0.90% | 2.63% |
More than 10 months (271 days and more) | 8.1% | 3.35% | 1.6% | 3.6% | 8.37% | 3.39% | 1.46% | 3.65% |
In the case of making a Family Time deposit in the bank's branches, the annual nominal interest rate of the deposit is set 0.1% lower than the above-mentioned interest rates.
At the end of the first three quarters (on the 90th, 180th, and 270th days), a one-time bonus is paid to the depositor for deposits in AMD, USD, EUR, and RUB for the previous months. For AMD the bonus is 1.25% annual, for USD and RUR it's 1% annual, and for EUR, it's 0.5% annual. These percentages are calculated based on the daily balances of the amounts available in the deposit account during those months.
* ATTENTION: THE INTEERST AMOUNTS AGAINST THE FUNDS, AVAILABLE ON YOUR ACCOUNT, ARE CALCULATED ON THE BASIS OF THE NOMINAL INTEREST RATE, AND THE ANNUAL INTEREST YIELD SHOWS HOW MUCH INCOME YOU WILL RECEIVE, IN CASE OF PAYMENT OF MANDATORY DEPOSIT FEES AND AS A RESULT OF RECEIPT OF THE EARNED REGULAR INTEREST AMOUNTS. YOU CAN FIND THE CALCULATION METHOD OF ANNUAL INTEREST YIELD HERE: Calculation of annual interest yield.
Example of calculation of interest amounts
If you make a Family time deposit with Acba bank for 732 days in the amount of 50,000 AMD, and make a monthly replenishment in the amount of 10,000 AMD, by the end of the deposit period, you will possess 284,023 AMD.
Deposit amount (USD) | Monthly amount (AMD) | Amount, you will receive after taxes | ||
after 6 months (180 day) after | after 12 months (366 day) after | after 24 months (732 day) after | ||
50,000 | 10,000 | 82,128 | 147,526 | 284,023 |
100,000 | 25,000 | 179,560 | 341,987 | 681,403 |
200,000 | 50,000 | 359,121 | 683,973 | 1,362,805 |
* The data in the table may differ from the data, received by the deposit calculator, as the reflected data are calculated by the example of a random date.
* Annual interest yield as a result of application of an annual simple interest rate during the period of 365 days for a deposit of 1,000 AMD and capitalization of interests and payment frequency.
More details:
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