Financial institutions in Peru, which include banks, municipal and rural boxes, as well as financial entities, maintain intense competition in 2025. These organizations seek to attract a greater number of clients through the offer of attractive interest rates for the attractive interest rates for Fixed Term Deposits.
Fixed term deposits in entities supervised by the Superintendence of Banking, Insurance and AFP (SBS) are presented as an attractive alternative for those who have capital and do not plan to use it in the short term. Next, we tell you which are the best options in March 2025.
What are the entities offered by the highest interest rates in soles for fixed time deposits?
With information on March 4, the Ripley Bank It is positioned as the financial entity with the highest rate for deposits more than 360 days, since it reaches 6.25% per year, according to data from the Banking Superintendence, Insurance and AFP. This report includes the full average rates list for fixed -term deposits in soles, with an investment of S/5,000 and a 360 -day period.
| Financial entity | Annual Rate (%) |
| Ripley Bank | 6.25% |
| Effective financial | 5.4% |
| OH financial | 5.25% |
| Pichincha Bank | 4.05% |
| Falabella Bank | 4% |
| Rural Caja Los Andes | 4% |
| Cencosud Scotia Rural Box | 4% |
| Trujillo Municipal Box | 3.55% |
| Financial trust | 3.5% |
| FINANCIAL QAPAQ | 3.5% |
| BBVA | 3.5% |
| Lima Municipal Box | 3.4% |
| Let’s share bank | 3.3% |
| Cusco Municipal Box | 3.1% |
| Piura Municipal Box | 3% |
| Ica Municipal Box | 3% |
| Huancayo municipal box | 2.85% |
| Crediscotia | 2.8% |
| BANCOM | 2.75% |
| Tacna Municipal Box | 2.7% |
| Municipal Box of Santa | 2.6% |
| Alfín Bank | 2.5% |
| Pro -company financial | 2% |
| Maynas Municipal Box | 1.75% |
| Arequipa Municipal Box | 1.7% |
| Prymera rural box | 1.5% |
| Banbif | 1.4% |
| GNB Bank | 1.25% |
| Mibanco | 1.15% |
| Interbank | 0.5% |
| Scotiabank | 0.5% |
| Credit Bank | 0.2% |
Other institutions also present competitive rates They are effective, financial OH, Banco Pichincha, Banco Falabella, the rural face of savings and credit (Crac) Los Andes and Cencosud Scotia. These financial institutions offer yields with at least 4%.
What is the fixed -term deposit?
Fixed term deposits are a modality of investment which implies the allocation of capital to a financial entity for a specific time. During this period, money cannot be withdrawn before the agreed date, as stipulated by the SBS.
The financial entity offers an interest rate that fluctuates based on the agreed term for deposits. Both individuals and companies can make these investments. However, it is important to keep in mind that if a withdrawal Anticipated, whether total or partial, the penalties stipulated in the contract will be applied, in accordance with current regulations.
Deposit Security: Coverage of the Deposit Insurance Fund
The deposits carried out in institutions regulated by the SBS are backed by the Deposit Insurance Fund (FSD). This fund guarantees a coverage of up to S/121,600 for each financial entity during the period between December 2024 and February 2025.
The Savings protection It is a fundamental aspect in the financial system. In the event that a bank, box or financial entity in front of insolvency, the deposits up to an amount of S/121,600 are guaranteed. For those who have savings that exceed this figure, it is advisable to diversify their funds in different institutions. In this way, they can take advantage of the coverage of the FSD 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.
