Today, the Agricultural Bank is well known to everyone. Every Russian at least knows about the existence of this financial organization. And many successfully use the services that it provides. Today, the Rosselkhoz is in 6th place among 600 banks in Russia. He earns a considerable part of the profit due to deposits of clients who are offered good deposit rates. Today, the Agricultural Bank holds more than 2.76 billion rubles (assets). So, people trust him with their money. And for many this is an occasion to think: maybe open a contribution there too?
Interest Forward Deposit
This can be said a last-minute offer. It is valid until February 28, 2017. Many deposit rates at Rosselkhozbank seem attractive today, but this is a special offer. And here are the conditions:
- You can open a deposit either for 395 or 548 days;
- the minimum amount is 3,000 rubles;
- replenishment is not possible;
- the implementation of expenditure operations is not available;
- automatic prolongation is not carried out;
- rate - 7.2% (395 days) and 7.4% (548 days).
Most importantly, a person will receive all interest right away! To be more precise, on the first working day after opening the deposit. The benefits are great. For example, you can take a round sum - 1 000 000 rubles. Having invested it for a maximum period (548 days), a person will immediately receive 111,100 rubles in profit. Instant income is what attracts people to this rate. No wonder he's the most popular right now.
Special offers
Now it’s worth listing the other deposit rates. Today, the Russian Agricultural Bank is popular "Pension." By presenting an appropriate certificate, people can open such a contribution. The minimum amount is only 500 rubles. The maximum is two million. Replenishment of the deposit is available for any amount, but no expense transactions are provided. The rates are as follows:
- for 395 days - 7.3%;
- by 540 - 7.7%;
- by 730 - 8%.
So what is the benefit? If a pensioner invests 100,000 rubles for a maximum period, then in the end he will receive 117,288 rubles.
But for such amounts, there are more favorable deposit rates. Today, the Amur Tiger is popular in the Agricultural Bank. The terms are the same as in the case of Pension, but the rates are as follows: 7.85%, 8.1% and 8.05% per annum. In this case, it is most profitable to make a deposit for 540 days. Having invested the same 100,000 rubles, after 18 months a person will receive 12,150 rubles in profit. The only caveat - the minimum amount is 50,000 rubles. But under such conditions it is really better to invest the maximum amount.
"Classical"
This is the most advantageous offer available to the Agricultural Bank. Interest on deposits differ by many criteria. It all depends on the term, currency, method of transferring interest (every month, at the end of the term or with capitalization). Even the method of opening a deposit (in the department or remotely) matters. It’s possible to list all the options for a long time, but it’s better to talk about the one for which everyone goes to the Agricultural Bank.
Interest on deposits will be most beneficial if a person draws up the Classic through a remote service channel for a period of 1460 days (48.5 months) with payment at the end of the term. The amount may be any, but not less than 3000 rubles. And the rate will be 8.55% per annum. If a person invests a million, at the end of the term he will receive 346,750 rubles in profit.
The maximum dollar rate is 1.3%. In euros - 0.35%. Minimum deposit is 100 $ / €. And the conditions are the same, the most profitable solution is to open a deposit for 1460 days.
Other offers
Well, profitable deposits at the Agricultural Bank for today for pensioners and for ordinary individuals have been listed above. Finally, a few words about other suggestions. There are also tariffs for which people turn to the Agricultural Bank.
Deposits in rubles can be very profitable. Take, for example, "Cumulative." If you open a deposit through a remote service channel, then the maximum rate will be 7.45% per annum. This is the case if a person invests 1,000,000 rubles for 540 days. The maximum term, by the way, is 1095 days. And the minimum is 91 days. But the maximum amount is limited - 10,000,000 rubles or 300,000 dollars / euros. By the way, the best rates in this currency are 1.2% and 0.35% per annum. The advantage of this tariff is that the deposit can be replenished. But at least 3000 rubles / 100 dollars / 100 euros.
The last advantageous offer is the “Managed” tariff. Not only replenishment is available, but also partial withdrawals. Here the rule is simple: the greater the minimum balance, the higher the rate. The best offer is to open a deposit for 540 days with a balance of 500,000 rubles. The maximum deposit amount is 10 million.
These are the most favorable rates. The rates are different, the conditions, too. But for each tariff one and only rule applies: the more the client invests, the more solid his profit will be.