Fixed Deposits

Fixed Deposits — Guaranteed Returns

Lock in your money for a fixed period and earn guaranteed interest. Compare rates across Ghana’s leading commercial banks.

GCB Bank Ltd
Universal Banking License — Bank of Ghana
30 Days 18.5%
60 Days 20.0%
90 Days 21.5%
180 Days 22.8%
1 Year 24.0%
Min. Investment: GHS 1,000
GDPC Protected View Details →
Absa Bank Ghana Ltd
Universal Banking License — Bank of Ghana
30 Days 17.5%
60 Days 19.0%
91 Days 20.5%
182 Days 21.8%
1 Year 23.0%
Min. Investment: GHS 5,000
GDPC Protected View Details →
Stanbic Bank Ghana Ltd
Universal Banking License — Bank of Ghana
30 Days 18.0%
60 Days 19.5%
90 Days 21.0%
180 Days 22.5%
1 Year 23.5%
Min. Investment: GHS 2,000
GDPC Protected View Details →
Ecobank Ghana Ltd
Universal Banking License — Bank of Ghana
30 Days 17.0%
60 Days 18.5%
90 Days 20.0%
182 Days 21.5%
1 Year 22.5%
Min. Investment: GHS 500
GDPC Protected View Details →
Fidelity Bank Ghana Ltd
Universal Banking License — Bank of Ghana
30 Days 18.0%
60 Days 19.5%
90 Days 21.0%
180 Days 22.5%
1 Year 24.0%
Min. Investment: GHS 1,000
GDPC Protected View Details →
What is a Fixed Deposit?
A fixed deposit (FD) locks your money with a bank for a set period (30 days to 1 year+) in exchange for a guaranteed interest rate.
Unlike savings accounts, the rate is fixed for the entire tenure — immune to Bank of Ghana rate changes during that period.
Early withdrawal typically incurs a penalty (loss of some or all interest earned).
GDPC Deposit Protection
All commercial banks in Ghana are members of the Ghana Deposit Protection Corporation (GDPC).
GDPC insures deposits up to GHS 50,000 per depositor per bank in the event of bank failure.
Amounts above GHS 50,000 are not covered by GDPC — consider spreading large deposits across multiple banks.