Fixed Term Deposit

Protect and grow your hard-earned savings with a fixed return you can rely on

If you have money you want to set aside for a short time a term deposit is the perfect option. You’ll enjoy one of the best interest rates around and have the comfort of knowing that it’s guaranteed for the term you choose.

The exact rate depends on the term but, whether you want to put your money away for a few months or a few years, you’ll find our rates are hard to beat.


Features and benefits at a glance

  • Know what return you’ll get with this fixed rate of interest

  • Choose the term which suits you best

  • Your deposit must be kept in the account for the duration of the term

  • Minimum deposit €2,000 or £5,000

  • Interest is calculated daily

  • For deposit amounts greater than €15,000 or £10,000 we offer the flexible choice of quarterly, half-yearly or annual payments with option to compound annually

  • No account opening or maintenance fees

  • FCM Bank is a member of the Depositor Compensation Scheme of Malta



Fixed Term Deposit Interest Rate

Term EUR (€) GBP (£)
1 Year 0.88%  0.58% 
2 Years 1.28%  0.78% 
3 Years 1.38%  0.98%
4 Years N.A  1.18% 
5 Years N.A  1.38%

Interest is correct as at 08/01/2018. 

All rates are per annum.


How to apply

Opening a Term Deposit Account is as easy as 1, 2, 3.


To apply simply click on the ‘Apply Now’ button, fill in and print the online application form:


1. Complete the online application form
2. Send the required documents by post
3. Transfer your deposit or write a cheque to FCM Bank and we’ll do the rest

If you prefer to meet us in person you may bring all the required documentation to FCM Bank.


Contact Us

To speak to one of our Customer Relationship Advisers, please call on our Freephone 8007 3737 or (+356) 21388388. You may also send us an email on


Apply Now

Terms and Conditions

To read more about our specific terms and conditions click here.