up to 19,5%

per annum


up to 18 month

with prolongation

  • 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

Annual interest rates for “ZaRaZ” members on deposit accounts
Duration (months)With interest payment at the end of the term %With monthly interest payment %With quarterly interest payment %
3 months.14%
6 months.15%13%
9 months.16%15%
13 months.18,5% *16%17,5%
18 months.19,5%

* — partial withdrawal up to 30% is allowed without loss of accrued interest. Deposit replenishment without limits.

Annual interest rates for “ZaRaZ” members on deposit accounts taking into account currency risks
Duration (months)With interest payment at the end of the term %With quarterly interest payment %
6 months.5%
13 months.10%9%
18 months.12%

Deposits in credit unions and their features

Credit unions are a common type of organization in the domestic financial market. Initially, they focused on providing loans, but then the list of their services has significantly expanded. Today, the credit union offers favorable deposits to all potential participants, the number of which cannot be less than 50 people. Deposits in credit unions can only be received by their members, which should be taken into account before starting cooperation.

The foundation of a credit union occurs by combining its members on a specific basis. Credit union members can work together or be members of the same trade union or religious organization. The activities of the credit union are regulated by Ukrainian legislation, according to which even people who are not citizens of Ukraine, but living on its territory, can be members of the union.

A credit union deposit can be opened at once on the day of joining the organization. To do this, you need to have a minimum set of documents with you and make a share contribution, which is small. The entry fee is used to create a capital reserve.

How to choose a credit union to open a deposit?

Deposits in credit unions should be valued according to the same criteria as in the case of bank deposits. First of all, you need to make sure that the organization is reliable. To do this, a potential participant should ask about the duration of the COP. It is best to use deposits in credit unions if the organization has at least 5 years of experience.

Another nuance worth paying attention to is the presence of the organization in the state register. This list contains all the official financial institutions of the country. To check it, just go to the website of the National Commission for Financial Services. If the selected company is not a member of this registry, then your rights will not be reliably protected.

The credit union is ready to provide profitable deposits in the shortest possible time, but clients should not rush. KS can offer participants not only deposits, but also share contributions, which may not correspond to the wishes of the latter. A license is not required for a share contribution, but you cannot do without it to provide services for opening deposits. The credit union deposit is provided at a time in accordance with the current legislation, as every client of the company can be sure of.

Before cooperation, it is worth clarifying whether the CC is a member of the All-Ukrainian Association of Credit Unions or other well-known financial organizations. In this case, deposits in credit unions and the rights of participants will be additionally protected. The potential participant will also benefit from the participation of the credit union in the open credit union program. Its terms provide for free access to information that describes the activities of credit unions. Each participant in the program must disclose information about the union, including financial indicators. Users have the ability to easily check all points of interest.

A credit union deposit can be opened at once on favorable terms, information about which is presented on the website. The company has many years of experience, which allows customers to receive high quality services, spending a minimum of time and money. The credit union issues profitable deposits on the basis of a minimum set of documents, and you can check their list with the responsible manager.