Financial entities in Peru, composed of banks, municipal and rural, and financial boxes, continue to compete in 2025 by offering competitive interest rates for fixed -term deposits with the aim of attracting more customers.
For those who have available capital and do not need to use it in the short term, fixed -term deposits in institutions regulated by the Banking, Insurance and AFP Superintendence (SBS) They represent a viable option.
Higher interest rates in soles for fixed term deposits
In this context, the Maynas box leads the list with an annual rate of 7.52% for deposits more than 360 days, according to information provided by the SBS.
Other entities also offer percentages: Los Andes box with 6.55%, Paita box with 6.01%Center box with 5.97%, effective financial with 5.94%, Pro -company financial with 5.78% and financial emerge with 5.72%.
Next, the full average rates list for fixed term deposits in soles with more than 360 days, updated to February 18, 2025 for banks and financial, already January 2025 in the case of municipal and rural boxes.
| Financial entities | Annual Rate (%) |
| Alfin Bank | 4.36% |
| Banbif | 4.22% |
| Credit Bank of Peru (BCP) | 2.98% |
| Falabella Bank | 3.76% |
| GNB Bank | 3.25% |
| Ripley Bank | 4.69% |
| BANCOM | 3.68% |
| BBVA | 3.35% |
| Arequipa box | 4.16% |
| Cusco box | 1.85% |
| Center box | 5.97% |
| Box of the saint | 5.44% |
| Huancayo box | 4.27% |
| Ica box | 5.46% |
| Lima box | 5.35% |
| Los Andes box | 6.55% |
| Maynas box | 7.52% |
| Paita box | 6.01% |
| Piura box | 3.67% |
| Prymera box | 4.06% |
| Tacna box | 4.73% |
| Trujillo box | 4.14% |
| Cencosud Scotia | 4.00% |
| Financial Compartamos | 4.49% |
| Financial trust | 5.52% |
| Crediscotia Financial | 3.46% |
| Effective financial | 5.94% |
| OH financial! | 5.35% |
| Pro -company financial | 5.78% |
| FINANCIAL QAPAQ | 4.31% |
| Financial arise | 5.72% |
| Interbank | 3.95% |
| Mibanco | 2.31% |
| Scotiabank | 2.17% |
Fixed term deposit: What is it?
Fixed term deposits consist of the placement of money in a financial entity for a given period, during which the amount cannot be available before the established date, according to the SBS.
In return, the institution gives an interest rate that varies according to the agreed term. These deposits can be made by natural persons or companies. In early retirement casetotal or partial, penalties established in the contract will be applied, in accordance with current regulations.
Deposit Security: Coverage of the Deposit Insurance Fund
Deposits in entities supervised by the SBS have the protection of the deposit insurance fund (FSD)which covers up to 121,600 soles by financial entity in the period December 2024-February 2025.
This guarantees that, in case of insolvency of a bank, box or financial, the savings up to that amount are protected. For those who have funds greater than 121,600 soles, it is recommended to distribute them in several institutions to benefit from the FSD coverage in each of them.
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Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
