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Frequently Asked Questions

can vary depending on the type of mutual fund you invest in, your investment goals, and the market conditions. Here are some key risks associated with mutual funds:
  • Market Risk
  • Credit Risk
  • Interest Rate Risk
  • Liquidity Risk
  • Concentration Risk
  • Reinvestment Risk
It's important to understand the specific risks associated with the type of mutual fund you are considering and to align your investment choices with your risk tolerance, investment objectives, and time horizon.  

Returns represent the total net profits or losses (in some types of mutual funds) achieved against the invested amount during a specific period. To view the returns for the mutual funds offered by the bank

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of capital market instruments, including equities listed on the stock exchange, treasury bills, treasury bonds, or other securities. Each investor in a mutual fund owns shares of the fund, representing a portion of the overall holdings. These shares are referred to as Investment Certificates, symbolizing the investor’s ownership in the mutual funds. The primary objective of mutual funds is to provide investors with access to a diversified portfolio managed by professional fund managers, reducing risk compared to investing in individual securities. Investors benefit from the collective buying power, professional management, and diversification of the fund, which can be difficult to achieve on their own.

Mutual funds come in various types, each designed to meet different investment objectives and risk profiles. The main types of mutual funds include:
  • Equity Funds (Stock Market)
  • Fixed Income Funds (Medium/Long term Debt Funds)
  • Money Market Funds (Short term Debt Funds)
  • Balanced Funds (Hybrid Funds)
  • Precious Metals Funds (Gold/Silver Funds)
 

EFG Hermes Asset Management is the fund manager for Credit Agricole I, Credit Agricole II equity funds and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions on behalf of the investors based on through research and close monitoring of market conditions. EFG Hermes Asset Management is responsible for the performance of the funds under its management, as they handle the investment part of the fund.
Certificates Of Deposit

The Best Choice to Invest your Money

Certificate Of Deposit

The Best Choice to Invest in your Money

Save over the medium and long term with Crédit Agricole Egypt Certificates of Deposit. (Certificates of Deposit are in Egyptian Pounds only).

Certificates Of Deposit With Regular Return Payments

Plan for your future and benefit from various saving schemes over the medium and long term with CAE Certificates of Deposit.

Deposit your savings for:

  • 3 years and get paid regular interest, monthly, quarterly, or semi-annually & throughout the term of the Certificate of Deposit
  • Or 5 years and get paid regular interest, monthly or semi-annually & throughout the term of the Certificate of Deposit
  • Or 7 Years and get paid regular interest, monthly & throughout the term of the Certificate of Deposit

Features & Benefits

  • Offered to Individual only
  • Currency: Egyptian Pound
  • Variety of interest payments ( monthly ,quarterly ,half yearly )

Fixed rate CDs

Tenor

Rate %

Minimum threshold

3 Years

Monthly

14.50%

EGP 1,000

Quarterly

14.75%

Semi Annually

15.00%

Monthly – Premium

15.00%

EGP 50,000

Monthly – Diamond

16.00%

EGP 100,000

5 Years

Monthly

9.00%

EGP 5,000

Semi Annually

9.10%

7 Years

Monthly

8.00%

EGP 10,000

  • Certificates can be used as collateral for a loan, OVD or credit card at preferential rates
  • 24/7 accessibility to your account (Phone Banking, Online Banking, ATMs and Branches)

Saving Certificates Of Deposit With Floating Rate

Plan right for your future and enjoy the highest competitive floating rate on your savings with the saving certificate of deposits from Crédit Agricole!

Features & Benefits:

  • Offered to individuals only
  • Currency: Egyptian Pound
  • Interest frequency: Monthly
  • Type of interest: Floating rate calculated based on the declared CBE deposit corridor rate

Floating rate CDs

Payment frequency

Applied equation rate %

Minimum threshold

3 Years

Monthly – Excellence

CBE corridor deposit rate – 0.75%

EGP 1 Million

Monthly – Premium

CBE corridor deposit rate Minus 1.75%

EGP 100,000

Monthly – Standard

CBE corridor deposit rate Minus 6.25%

EGP 10,000

  • Certificate can be used as collateral for a loan, OVD or Credit Card at preferential rates
  • 24/7 accessibility to your account (Phone Banking, Online Banking, ATMs and Branches)

Accumulative Certificates Of Deposit

When you have a bulk of money and looking to maximize your return, choose the Accumulative Certificate of Deposit.

Features & Benefits

  • Offered to Individual only
  • Currency: Egyptian Pound
  • Customer deposits a sum amount for 3 or 5 or 7.25 years
  • Customer deposits a lump sum and gets paid the interest plus principle at maturity

Accumulative CDs tenors

Rate %

Minimum threshold

3 Years

8.50%

EGP 10,000

5 Years

8.00%

7 Years

8.00%

  • Certificates can be used as collateral for a loan, OVD or credit card at preferential rates
  • 24/7 accessibility to your account (Phone Banking, Online Banking, ATMs and Branches)

Required Documents

For New Customers:

  • Copy of National ID Card (passport for foreigners)
  • Recent utility bill
  • Apply for an account from here
  • Certificate of Deposit Application form

For Existing Customers:

  • Certificate of Deposit Application form

Terms & Conditions apply.

Save over the medium and long term with Crédit Agricole Egypt Certificates of Deposit. (Certificates of Deposit are in Egyptian Pounds only).

Certificates Of Deposit With Regular Return Payments

Plan for your future and benefit from various saving schemes over the medium and long term with CAE Certificates of Deposit.

Deposit your savings for:

  • 3 years and get paid regular interest, monthly, quarterly, or semi-annually & throughout the term of the Certificate of Deposit
  • Or 5 years and get paid regular interest, monthly or semi-annually & throughout the term of the Certificate of Deposit
  • Or 7 Years and get paid regular interest, monthly & throughout the term of the Certificate of Deposit

Features & Benefits

  • Offered to Individual only
  • Currency: Egyptian Pound
  • Variety of interest payments ( monthly ,quarterly ,half yearly )

Fixed rate CDs

Tenor

Rate %

Minimum threshold

3 Years

Monthly

14.50%

EGP 1,000

Quarterly

14.75%

Semi Annually

15.00%

Monthly – Premium

15.00%

EGP 50,000

Monthly – Diamond

16.00%

EGP 100,000

5 Years

Monthly

9.00%

EGP 5,000

Semi Annually

9.10%

7 Years

Monthly

8.00%

EGP 10,000

  • Certificates can be used as collateral for a loan, OVD or credit card at preferential rates
  • 24/7 accessibility to your account (Phone Banking, Online Banking, ATMs and Branches)

Saving Certificates Of Deposit With Floating Rate

Plan right for your future and enjoy the highest competitive floating rate on your savings with the saving certificate of deposits from Crédit Agricole!

Features & Benefits:

  • Offered to individuals only
  • Currency: Egyptian Pound
  • Interest frequency: Monthly
  • Type of interest: Floating rate calculated based on the declared CBE deposit corridor rate

Floating rate CDs

Payment frequency

Applied equation rate %

Minimum threshold

3 Years

Monthly – Excellence

CBE corridor deposit rate – 0.75%

EGP 100,000

Monthly – Premium

CBE corridor deposit rate Minus 1.75%

EGP 50,000

Monthly – Standard

CBE corridor deposit rate Minus 6.25%

EGP 10,000

  • Certificate can be used as collateral for a loan, OVD or Credit Card at preferential rates
  • 24/7 accessibility to your account (Phone Banking, Online Banking, ATMs and Branches)

Accumulative Certificates Of Deposit

When you have a bulk of money and looking to maximize your return, choose the Accumulative Certificate of Deposit.

Features & Benefits

  • Offered to Individual only
  • Currency: Egyptian Pound
  • Customer deposits a sum amount for 3 or 5 or 7.25 years
  • Customer deposits a lump sum and gets paid the interest plus principle at maturity

Accumulative CDs tenors

Rate %

Minimum threshold

3 Years

8.50%

EGP 10,000

5 Years

8.00%

7 Years

8.00%

  • Certificates can be used as collateral for a loan, OVD or credit card at preferential rates
  • 24/7 accessibility to your account (Phone Banking, Online Banking, ATMs and Branches)

Required Documents

For New Customers:

  • Copy of National ID Card (passport for foreigners)
  • Recent utility bill
  • Account opening form
  • Certificate of Deposit Application form

For Existing Customers:

  • Certificate of Deposit Application form

Terms & Conditions apply.













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