Instant-access savings
Flexible Savings
Interest-bearing savings book with free withdrawals at the counter or online, and no management fees.
3.00%per year
- Minimum payment
- 500 G
- Term
- No commitment
- Access to funds
- Immediate
Investment · Sector portfolio & investment types
Put your savings to work in the real economy
Our savings products fund a portfolio organised into 18 sectors, from agriculture to infrastructure, deployed through 12 types of investment.
Our banking products
Gross annual rates in effect from August 1, 2026. Select a product to open it in the simulator.
Term deposit
Term Deposit
A sum locked in for a period of your choice, with a rate guaranteed for the whole term of the contract.
6.50%per year
- Minimum payment
- 25,000 G
- Term
- 6 to 60 months
- Access to funds
- At maturity
Regular savings
Project Savings Plan
Automatic monthly payments to finance a home, schooling or a business.
5.00%per year
- Minimum payment
- 1,000 G / month
- Term
- 2 to 10 years
- Access to funds
- Penalty on early withdrawal
Solidarity investment
BACCA Agricultural Bonds
Securities that finance the farming seasons of peasant associations in the South, with a coupon paid every six months.
8.00%per year
- Minimum payment
- 50,000 G
- Term
- 3 or 5 years
- Access to funds
- Half-yearly coupons
Diaspora fund
Diaspora Fund
A foreign-currency investment for the Haitian diaspora, backed by the group’s infrastructure projects.
7.25%per year
- Minimum payment
- 1,000 USD
- Term
- 2 to 8 years
- Access to funds
- Quarterly redemption
Long term
Retirement Savings
Long-term capital growth paid out as an annuity or a lump sum at exit, transferable to your beneficiaries.
5.75%per year
- Minimum payment
- 2,500 G / month
- Term
- 10 years or more
- Access to funds
- At retirement
Investment simulator
Estimate based on annual compound interest, before tax and account fees.
Term Deposit — A sum locked in for a period of your choice, with a rate guaranteed for the whole term of the contract. Minimum payment: 25,000 G. Capital guaranteed.
- Total paid in
- 200,000 G
- Accumulated interest
- 50,416 G
- Rate applied
- 6.50%
Year-by-year growth
- Year 185,200 G
- Year 2122,688 G
- Year 3162,613 G
- Year 4205,133 G
- Year 5250,416 G
Compare products
| Product | Annual rate | Minimum amount | Term | Risk level |
|---|---|---|---|---|
| Flexible Savings | 3.00% | 500 G | No commitment | Capital guaranteed |
| Term Deposit | 6.50% | 25,000 G | 6 to 60 months | Capital guaranteed |
| Project Savings Plan | 5.00% | 1,000 G / month | 2 to 10 years | Capital guaranteed |
| BACCA Agricultural Bonds | 8.00% | 50,000 G | 3 or 5 years | Moderate |
| Diaspora Fund | 7.25% | 1,000 USD | 2 to 8 years | Moderate |
| Retirement Savings | 5.75% | 2,500 G / month | 10 years or more | Capital guaranteed |
The rates shown are gross and may be revised quarterly by the finance committee. The agricultural bonds and the Diaspora Fund carry a capital risk linked to the projects they finance; an advisor walks you through the detailed product notice before any subscription.
Where your savings go
The sector portfolio — 18 sectors
Each sector has its own investment line, with its own ceilings, terms, rates and guarantees. The circuit starts with agriculture and runs all the way up to infrastructure and finance.
Farming
Crops, livestock, irrigation, seeds, equipment, processing
Industry
Factories, agribusiness, textiles, materials, manufacturing
Real estate
Land, houses, buildings, housing, shopping centres, hotels
Financial services
Banks, cooperatives, microfinance, bonds, equities, funds
Technology
Software, IT, AI, telecommunications, digital platforms
Energy
Solar, wind, hydropower, power grids, energy storage
International trade
Import-export, distribution, warehouses, supply chains
Transportation
Trucks, buses, taxis, motorcycles, ports, airports, logistics
Health
Hospitals, clinics, pharmacies, laboratories, ambulances, equipment
Education
Schools, universities, vocational centres, education technology
Tourism
Hotels, restaurants, resorts, excursions, infrastructure
Fisheries & marine resources
Fishing, aquaculture, seafood processing and preservation
Mining & natural resources
Gold, copper, nickel, lithium, materials and quarries
Environment
Reforestation, recycling, waste treatment, conservation
Infrastructure
Roads, bridges, housing, drinking water, sanitation
Telecommunications
Internet, mobile networks, fibre optics, digital infrastructure
Culture & media
Film, music, audiovisual production, media and events
Social economy
Cooperatives, associations, community enterprises, mutual societies
The 12 types of investment
How money is invested determines its risk, duration and liquidity. Our advisors combine these instruments to match your time horizon.
1.Equities
A stake in a company’s capital.
2.Bonds
Lending to a government or a company in return for interest.
3.Deposits & savings products
Money placed with a financial institution.
4.Credit & loans
Capital lent to individuals, businesses or organisations.
5.Real estate
Buying or financing property.
6.Private equity
Investment in unlisted companies.
7.Venture capital
Funding for start-ups and innovative companies.
8.Investment funds
Pooled investment across several assets.
9.Foreign direct investment
Setting up or acquiring operations in another country.
10.Infrastructure
Financing long-term projects.
11.Commodities
Gold, oil, metals, agricultural products.
12.Digital investments
Technology companies, digital infrastructure and digital assets.
Talk to an investment advisor
A thirty-minute appointment, at a branch or by phone, to build an allocation suited to your goals and your time horizon.