Best Fixed Deposit Rates
Lock in a guaranteed return. Compare FD rates across Kenyan banks for 3, 6, and 12 month terms.
How much will your fixed deposit earn?
Enter your amount and term to see estimated returns.
Estimated returns. Actual rates vary by bank and deposit amount. Larger deposits often get higher rates.
Fixed deposit comparison coming soon
We're collecting real-time FD rates from all Tier 1, 2, and 3 banks to build the most comprehensive fixed deposit comparison in Kenya.
📈 Typical FD rates: 7-12%
Kenyan banks offer 7-12% on fixed deposits depending on amount and term. Larger deposits and longer terms get higher rates.
🏦 Tier 1 banks: 7-10%
KCB, Equity, NCBA, Co-op, Absa, Stanbic offer 7-10% on 12-month FDs. Good for safety and liquidity.
🏢 Tier 2 & 3: 9-12%
Smaller banks often offer 1-3% more than Tier 1 to attract deposits. Still CBK-insured up to KSh 500K.
🏛️ SACCOs: 8-11%
SACCOs offer comparable or better rates with the added benefit of dividends. See our SACCO comparison.