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Fixed & Term Deposits

A term deposit account is an investment product designed for the customer who wants a higher rate of interest than is available on a regular savings account. In the term deposit the amount invested (principal), and the time (period) are fixed.


Account Features
  • Minimum deposit of BBD$10,000.00
  • Minimum term of one year 
  • Interest payments will be made periodically
  • Early redemption penalty of 2% less than the agreed rate at the time the deposit was opened
  • Interest rates are tiered
  • Automatic renewal on maturity, at prevailing rate, unless the bank is notified prior to maturity date


  • First Citizens Fifty Plus
  • Personal Lending
  • First Citizens Smart Start
  • Visa Classic and Gold
  • Merchant services
  • Mastercard