Fixed Deposit
Invest More, Earn More,
Grow Steady
Secure Up To 20% Annual Returns While Keeping Your Investment Working For You
Product Overview
The GlobalTrust Fixed Deposit is a time-bound investment account that offers higher, guaranteed returns in exchange for locking funds for a defined period. It is the foundation collateral product for LIQUIDE overdraft and a key funding source for GlobalTrust.
Key Features
- ✓Minimum Investment: ₦250,000
- ✓Tenor Options: 30, 60, 90, 180, 365 days
- ✓Interest Rate: Up to 20% p.a.
- ✓Interest Payment: Payout at maturity
- ✓Collateral: Lien-marked for LIQUIDE overdraft (65%)
Target Market
- ✓High Net Worth Individuals (HNIs)
- ✓SMEs with surplus cash
- ✓Corporate treasuries
- ✓Pensioners and retirees seeking stable income
How to Get Started
01
Log into app -> select Open Fixed Deposit
02
Choose tenor (30-365 days) and amount
03
Confirm lien option for LIQUIDE overdraft access
04
Funds moved from current into FD
05
Track FD maturity, interest accrual, and overdraft limit
Pricing
- •Interest Rate: Up to 20% p.a.
- •NO setup fee; early termination -> 30% interest clawback
- •Overdraft Rate (LIQUIDE): FD rate + 8% (utilized only)
Differentiators
- FD doubles as collateral for LIQUIDE overdraft
- 100% digital account opening
- Flexible interest payouts (monthly, quarterly, maturity)
Risks & Mitigation
- Liquidity risk from early withdrawals -> clawback rule
- Concentration risk from large deposits -> diversification
Savings vs Fixed Deposit (Comparison)
Feature
Savings Account
Fixed Deposit
Minimum Opening
₦1,000
₦250,000
Interest Rate
13% p.a.
Up to 20% p.a.
Liquidity
High (4 free withdrawals/month)
Locked-in, early exit penalty
Tenor
No fixed tenor
30–365 days
Collateral Use
N/A
Lien-marked for LIQUIDE overdraft
Target Audience
Retail/mass market
HNIs, SMEs, corporates
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