INTEREST RATE:
up to 17%
per annum
DEPOSIT PERIOD:
up to 24 month
with prolongation
option
- You can withdraw and replenish the deposit without losing interest
You can attach the deposit amount to foreign currencies
You know in what loan and on the security of what your money works
The cost of capital real estate in a mortgage is more than 2 times the value of deposits
List of types of deposits
Calculation
WARNING
on possible consequences for the Consumer (Depositor) in the event of using a financial service to attract funds and bank metals subject to return
- In accordance with the requirements of the Tax Code of Ukraine, the Credit Union acts as a tax agent of the Depositor (taxpayer) during the accrual of interest on the Deposit, withholds from the amount of interest accrued on the Deposit the amount of tax and fee accrued at the rate determined by the current legislation of Ukraine, and within the terms regulated by the Tax Code of Ukraine, pays (transfers) the total amount of tax and fee to the budget.
- The credit union reserves the right to refuse to establish business relations or conduct a financial transaction if the depositor fails to provide the documents or information necessary for the study of clients, if doubts arise about the legality of the transactions, if the depositor refuses to provide or fails to provide information or documents that the credit union has the right to request, or if the depositor intentionally provides false information about himself or herself necessary to determine his or her identity, if the financial transaction does not correspond to the essence of the depositor’s activities or his or her financial condition, as well as if it is established that such a transaction contains signs of a transaction subject to financial monitoring in accordance with the Law of Ukraine “On Prevention and Counteraction to the Legalization (Laundering) of Proceeds from Crime, Financing of Terrorism and Financing of the Proliferation of Weapons of Mass Destruction”;
- The credit union reserves the right to suspend the implementation of a financial transaction(s) if its participant or beneficiary is a person who is included in the list of persons associated with terrorist activities or against whom sanctions have been applied (if the types and conditions for applying sanctions provide for the suspension or prohibition of financial transactions).
- In case of untimely application by the Depositor to the credit union for the return of funds, due to the expiration of the contract, such Contract shall be deemed terminated and interest on the amount of the Deposit shall not be accrued or paid. The Deposit shall be held by the credit union until the depositor applies for the receipt of the deposit.
- In the event that the NBU applies a measure of influence to a credit union in the form of a restriction, suspension or termination of a financial service for attracting funds and bank metals subject to return, there is a possibility of untimely return of the deposit.
- In the event that the NBU applies early intervention measures to a credit union in the form of a temporary, including until the identified violations are eliminated, ban on attracting new deposits from members of the credit union, there is a possibility of non-provision of financial services for attracting funds and bank metals subject to return.
- In the event of the return of a Term Deposit (deposit) before the expiration of its term in cases where this is provided for by the terms of the Agreement, the credit union shall recalculate the amount of accrued interest on such Deposits (deposits) at the interest rate established by the decision of the Supervisory Board of the credit union for Term Deposits (deposits) of members of the credit union in the event of their return before the expiration of the Term Deposit (deposit).
- The credit union is obliged to accrue and pay the Depositor interest for the use of the deposit within the terms (terms) and in the amounts stipulated by the relevant agreement, as well as to return the deposit accepted from the Depositor.
- The terms of the Agreement may be amended or supplemented at the initiative of the Union in the event of changes in the financial market conditions, changes in the legislation regulating the relations between the Parties, or the adoption by competent state bodies of acts or decisions that in one way or another affect the Union’s implementation of the terms of the Agreement.
- accompanying services of the credit union and/or third parties related to obtaining a financial service at the time of concluding the Agreement.
- tariffs, commissions and other fees associated with receiving a financial service when concluding the Agreement .
Credit Union “ZARAZ” at the request of the resolution of the Board of the National Bank of Ukraine “On approval of the Regulation on information provision by credit unions to consumers regarding the provision of financial services for attracting funds and bank metals subject to return” dated 05.09.2025 No. 112 informs the Consumer (hereinafter referred to as the Depositor) of the following:
1) Deposits placed and/or to be placed in the credit union are not share contributions. The financial service for attracting funds and bank metals subject to return by the credit union does not include the acceptance (attraction) of share or other contributions by the credit union from members of the credit union.
2) Attracting a deposit (deposit) is carried out only from members of the credit union.
3) A contribution (deposit) placed and/or to be placed in a credit union cannot be converted into a share contribution, and a share contribution and other contributions of a credit union member cannot be converted into a contribution (deposit).
4) The credit union may not attract deposits (deposits) from members of the credit union, the credit union may not accrue and pay interest on deposits (deposits), and the credit union may not return deposits (deposits) taking into account the list of cases specified in the Law on Credit Unions and the Resolution of the Board of the National Bank of Ukraine dated March 6, 2022 No. 39 “On Regulation of the Activities of Participants in the Non-Banking Financial Services Market, Non-Banking Financial Groups, Participants in the Payment Market, Collection Companies and Legal Entities Licensed to Provide Collection Services to Banks” (as amended), when the credit union loses the right to take the appropriate actions.
5) Contributions (deposits), as well as individual contributions of a credit union member in accordance with the Law on Credit Unions, at the request of the depositor, may be used to repay a loan and/or interest on its use;
6) In accordance with the Law of Ukraine “On the System of Guaranteeing Deposits of Individuals”, the guarantees of the Deposit Guarantee Fund for Individuals do not apply to funds on a deposit (deposit) in a credit union;
7) The credit union does not have guarantee funds or compensation schemes that are applied in accordance with the legislation of Ukraine regarding financial services for attracting funds and bank metals that are subject to return;
8) The conditions (cases) and terms of returning mandatory and additional share contributions to members of the credit union are established by the Charter of the credit union;
9) The terms and procedure for terminating membership in a credit union, including exclusion from membership of a credit union, are established by the Charter of the credit union;
10) The Depositor, in accordance with the legislation of Ukraine, has the right to apply to the National Bank as the Regulator of the credit union market, including on issues of protecting the rights of consumers of financial services, at the following contact details: National Bank of Ukraine, 01601, Kyiv, 9 Instytutska St., tel: 0-800-505-240, e-mail: nbu@bank.gov.ua, website https://bank.gov.ua/
11) The Depositor shall make a deposit by depositing funds in the national currency in cash to the Union’s cash desk on the day of signing the Agreement, or by non-cash transfer of the specified funds to the Union’s current account within three business days from the date of signing the Agreement.
12) Availability of the possibility, if provided for by the terms of the contract:
– to replenish the deposit;
– to automatically credit the accrued interest on the deposit to replenish the deposit;
– to extend the term of the deposit separately by the consumer and the credit union, together with the procedure for such extension at the initiative/at the request of the consumer;
– to issue a part of the deposit at the request of the consumer.
Deposits are used for loans secured by capital real estate.
And only a mortgage can reliably protect deposits from any fluctuations and crises.
The value of real estate pledged exceeds more than 2 times from the value of deposits.
How to make money on deposits?
Deposits are a convenient financial instrument, thanks to which every client can earn on deposits. At the same time, bank deposits are very diverse today, so when choosing the optimal option, it is necessary to carefully study all the advantages. An interesting offer may be a deposit with the possibility of replenishment. Sophisticated depositors tend to choose offers from banks where a high interest rate is provided. After that, they deposit a relatively small amount into the account, having “staked out” a deposit for themselves. Further, the account can be replenished at any time, if there is free money at hand.
This option is ideal for those customers who have enough time to look for interesting options and calculate the deposit. Instead of opening one large deposit, you can take several with the possibility of subsequent replenishment. How effective is such a strategy? It is used in order to receive bank deposits in banks that have recently reduced their rates. It is possible to open such deposits in Ukraine both in one financial institution and in several.
Deposit strategies on deposits
Today, a profitable deposit can not be found so often, so this strategy does not always work. Banks rarely offer convenient deposits with an extension. In addition, the rates on them are not as appetizing as in the case of an inviolable deposit. Even in the case when the bank allows deposits to be replenished, and also offers deposit interest, it usually sets a limit on the amount of maximum replenishment. On average, it does not exceed UAH 50,000 per month. A number of banks have completely refused to provide an opportunity to replenish their account to customers.
The huge advantage of this option is that the user will have a minimum of hassle to open a deposit. Credit Union deposits will allow you to receive a stable passive income, and to increase it, it is enough to periodically replenish your own account. At the same time, deposits in Ukraine are constantly changing, so it would not be the best solution to focus only on this strategy.
Credit unions highly value the trust of customers, so they offer their users interesting options for deposits. The amount and term of the deposit may affect the privileges that the client will eventually receive. If bank deposits are open for a long time and with a large amount, then the bank can offer:
- an increased interest rate;
- premium card;
- personal service.
Long-term cooperation also brings a higher interest rate. If the deposit is extended after the completion of the contract, it will also be a plus for the client. Even an increase of 0.5 percent in the current conditions of the financial market looks like a very attractive offer.
Constant cooperation with the Credit Union provides customers with a favorable ground for negotiating more promising terms. At the same time, money for a deposit in Ukraine can be obtained not only in banking institutions. It is enough to choose a financial company that is always ready to offer favorable conditions for its clients. Our consultants have many years of experience, so they will be able to take into account your personal wishes and provide a deposit that fully corresponds to them. You can find all the necessary information on our website.
* The main amount of the deposit is pegged to the US dollar rate.
