Term Deposit
Fixed-term savings with interest paid at maturity.
American Bank of Investments
Provider: Directly by the bank. No sponsored placement.
Your product context
Calculate with this product →Fees, conditions and use
- Deposit interest and terms
- Bulletin effective 15 June 2026. Standard rates below; 365-day basis. New-money offers have separate conditions and are not mixed with standard rates. Source ↗
Benefits and limitations
✓ Terms from 1–60 months
✓ ALL, EUR or USD
Minimum ALL 50,000 or EUR/USD 500. Standard term-deposit rates differ from periodic-payout variants.
Who is eligible?
Consult the bank’s terms and documents for eligibility criteria.
| Currencies | ALL, EUR, USD |
|---|---|
| Minimum term (months) | 1 |
| Maximum term (months) | 60 |
| Interest payout | Në maturim / At maturity |
| Early withdrawal | Humbet interesi i gjeneruar në mbyllje para afatit. / Accrued interest is forfeited on early closure. |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLGross annual rate | 50,000 – 4,999,999 | 1 | 0.1%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 50,000 – 4,999,999 | 3 | 0.2%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 50,000 – 4,999,999 | 6 | 0.3%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 50,000 – 4,999,999 | 9 | 0.4%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 50,000 – 4,999,999 | 12 | 0.6%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 50,000 – 4,999,999 | 24 | 0.8%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 50,000 – 4,999,999 | 36 | 1.3%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 50,000 – 4,999,999 | 60 | 1.8%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – Confirm amount with bank | 1 | 0.2%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – Confirm amount with bank | 3 | 0.3%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – Confirm amount with bank | 6 | 0.4%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – Confirm amount with bank | 9 | 0.5%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – Confirm amount with bank | 12 | 0.8%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – Confirm amount with bank | 24 | 1%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – Confirm amount with bank | 36 | 1.5%Gross rate before tax; term and amount must match the band. |
| ALLGross annual rate | 5,000,000 – Confirm amount with bank | 60 | 2%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 500 – Confirm amount with bank | 1 | 0.05%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 500 – Confirm amount with bank | 3 | 0.05%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 500 – Confirm amount with bank | 6 | 0.05%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 500 – Confirm amount with bank | 9 | 0.05%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 500 – Confirm amount with bank | 12 | 0.1%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 500 – Confirm amount with bank | 24 | 0.15%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 500 – Confirm amount with bank | 36 | 0.2%Gross rate before tax; term and amount must match the band. |
| EURGross annual rate | 500 – Confirm amount with bank | 60 | 0.4%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 500 – Confirm amount with bank | 1 | 0.1%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 500 – Confirm amount with bank | 3 | 0.15%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 500 – Confirm amount with bank | 6 | 0.2%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 500 – Confirm amount with bank | 9 | 0.2%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 500 – Confirm amount with bank | 12 | 0.25%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 500 – Confirm amount with bank | 24 | 0.6%Gross rate before tax; term and amount must match the band. |
| USDGross annual rate | 500 – Confirm amount with bank | 36 | 1%Gross rate before tax; term and amount must match the band. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Depozita me Afat
ABI · Buletini i depozitave · qershor 2026 ↗Reviewed pages: 1