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Barbados
St. Lucia
St. Vincent and the Grenadines
Trinidad & Tobago
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Enjoy competitive interest rates for your money invested for fixed periods!

With a First Citizens Fixed Deposit Account you can be assured that your money grows safely and soundly.

It means security for you and your family through medium to long- term savings. Invest wisely today by opening a First Citizens Fixed Deposit Account.

TTD Fixed Deposits

  • Terms of 3, 6, 12, 18, 24 and 36 months
  • Minimum opening deposit $1,000
  • Interest Rate Structure Interest rate is paid based on the band of savings as well as the term of the deposit. The deposit bands are as follows:
  • $1,000 - $19,999
  • $20,000 - $99,999
  • $100,000 - $249,999
  • $250,000 - $499,999
  • $500,000 - $999,999
  • Over $1,000,000

USD Fixed Deposits

  • Terms of 30 days, 3, 6 & 12 months
  • Minimum opening deposit of $1,000.00
  • Interest Rate Structure Interest rate is paid based on the band of savings as well as the term of the deposit. The deposit bands are as follows:
    • $1,000 - $74,999
    • $75,000 - $149,999
    • $150,000 - $999,999
    • Over $1,000,000

Additional Benefits

  • Your funds can act as excellent security for a loan you may need
  • You have the ease of automatic renewal of your contract at the end of the period
  • Our free Telebanking Service allows you to perform banking transactions from a touch tone telephone. It saves you valuable time
  • You can also sign up for our free Internet Banking Service to conduct banking transactions from anywhere and at anytime.
  • Our free Mobile Banking Service allows you to access your accounts from a mobile device. You can access account balances, account history, Transfer funds and account alerts all from your mobile phone.

Please note:

The Policy of the Bank concerning the payment of interest on Fixed Deposits broken before maturity is as follows:

  • Less than 3 months - $20 plus no interest
  • More than 3 months - Savings rate, number of days
  • Interest rates and terms of default are subject to change and customers will be advised accordingly


Insured by the DIC Corporation of Trinidad and Tobago. (Up to $125,000)

Fixed Deposit Rates
  • Park your cash in the FD account and you get back your initial deposit (principal) along with interest of 3.65% per annum (p.a.) or an Effective Interest Rate (EIR) of 1.82% after 6 months. Interest is calculated daily but only paid out at maturity. It is very much a hassle-free passive investment.
  • Fixed deposit with Hatton National Bank will fetch you one of the most attractive rates-of-interest in the market. In HNB fixed deposits, our customers have the flexibility of choosing the period of deposit depending on their specific requirements.

Fixed Deposit Rates In Usa

Withdraw your Fixed Deposit (FD) at any time. Then, the rate of interest shall be calculated at minus 2% of the rate of interest applicable for the completed tenure. No interest will be paid if the interest of the completed tenure of the FD is 2% or less.