Interest rates for citizen - valid from February 26, 2018
Interest rates are on annual basis (p.a.)
| Current account | CZK | EUR | USD |
|---|---|---|---|
| Credit balance | 0.01 % | 0.01 % | 0.01 % |
| Unauthorized overdraft balance | 25.00 % |
| Savings account | CZK | ||
|---|---|---|---|
| Credit Balance in the first tier below 2 mil. CZK | 0.20 % | ||
| Credit Balance in the second tier above 2 mil. CZK | 0.01 % | ||
| Unauthorized overdraft balance | 25.00 % |
| Savings Account HIT in CZK | Base rate | Bonus rate | |
|---|---|---|---|
| First tier up to 200 000 CZK | 0.20 % | 0.60 % | |
| Second tier from 200 000 CZK to CZK 3 mil. | 0.20 % | ||
| Third tier above 3 mil. CZK | 0.01 % | ||
| Unauthorized overdraft balance | 25.00 % |
The client qualifies for a bonus interest rate when the client´s monthly income on the current account is at least the sum of CZK 10 000 or the client monthly pays at least 3 times with the Equa bank contactless payment card.
| Savings Account EXTRA | CZK | EUR | USD |
|---|---|---|---|
| First tier interest threshold | below 3 mil. CZK | below 200 000 EUR | - |
| Credit Balance - First tier | 0.10 % | 0.10 % | - |
| Credit Balance - First tier - EXTRA interest | 0.20 % | 0.10 % | - |
| Second tier interest threshold | above 3 mil. CZK | above 200 000 EUR | - |
| Credit Balance | 0.01 % | 0.01 % | - |
| Credit Balance - EXTRA interest | 0,00 % | 0.00 % | - |
| Unauthorized Overdraft | 25.00 % | 25.00 |
The client qualifies for an EXTRA interest rate when there is no outgoing payment from the account in a given month.
| Term deposit | CZK | EUR | USD |
|---|---|---|---|
| 3 months | 0.20 % | 0.10 % | 1.25 % |
| 6 months | 0.30 % | 0.20 % | 1.40 % |
| 12 months | 0.40 % | 0.25 % | 1.60 % |
| 18 months | 0.50 % | 0.35 % | 1.70 % |
| 24 months | 0.60 % | 0.45 % | 1.80 % |
| 36 months | 0.80 % | 0.65 % | 2.00 % |
| 48 months | 1.00 % | - | - |
| 60 months | 1.20 % | - | - |
| Minimum deposit | 20 000 CZK | 1 000 EUR | 1 000 USD |
| Cancellation before maturity - opened till 20.06.2014 | 2.00 % of principal | 2.00 % of principal | 2.00 % of principal |
| Cancellation before maturity - opened from 21.06.2014 | 4.00 % of principal | 4.00 % of principal | 4.00 % of principal |
Bank reserves the right to determine an individual interest rate for clients with aggregate deposits of all products and currencies higher than 20 million CZK or equivalent.
| Mortgages | Purpose | Refinancing | Non-purpose / refinancing | PRO / FIT |
|---|---|---|---|---|
| Fixation period 1 year | from 3,79 % | 3.79 % | 5.29 % | |
| Fixation period 3 years | from 2.49 % | from 2.49 % | 3.79 % | 3.89 % |
| Fixation period 5 years | from 2.59 % | from 2.59 % | 3.79 % | 3.89 % |
Interest rates for mortgages are stated with discount for CPI by MetLife pojišťovna a.s.
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