Compare term deposit options from leading UAE banks and maximize returns on your savings.

Secure the Best Deposit Rates in the UAE

Ruya Community Islamic Bank Logo

Ruya Community Islamic Bank

Minimum Deposit: AED 5,000.00
Tenure: 30 - 365 days
Interest Rate: 4%
Payment Frequency: Quarterly, Paid After Maturity
Early Withdrawal Penalty: If withdrawn before full tenure, profit is recalculated using the nearest completed tenure rate minus 1%.
Islamic Deposit: Yes

Features:

Profit is distributed according to Ruya’s Mudarabah profit-sharing policy. Auto-renewal is available unless instructed otherwise.

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Saudi National Bank Logo

Saudi National Bank

Minimum Deposit: AED 0.00
Tenure: 30 - 365 days
Interest Rate: Varies
Payment Frequency: On Maturity
Early Withdrawal Penalty: Premature withdrawal is subject to a lower interest rate and a withdrawal fee. Rate is recalculated based on the actual tenor crossed, with a 1% deduction.
Islamic Deposit: No

Features:

Available for all current and savings account holders. Customers can choose from standard tenures of 1, 3, 6, and 12 months or request a specific tenure.

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Sharjah Islamic Bank Logo

Sharjah Islamic Bank

Minimum Deposit: AED 10,000.00
Tenure: 30 - 365 days
Interest Rate: 2.5%
Payment Frequency: Monthly
Early Withdrawal Penalty: Profit recalculated at a lower rate if withdrawn early. No profit if withdrawn before 6 months.
Islamic Deposit: Yes

Features:

Sharia-compliant Mudarabah-based deposit. Offers financing up to 80% of deposit value.

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Sharjah Islamic Bank Logo

Sharjah Islamic Bank

Minimum Deposit: AED 10,000.00
Tenure: 540 - 1080 days
Interest Rate: 3%
Payment Frequency: Monthly
Early Withdrawal Penalty: Lower profit applied if withdrawn before maturity.
Islamic Deposit: Yes

Features:

Wakala-based deposit with higher expected profit rates. Financing up to 90% of deposit amount.

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Sharjah Islamic Bank Logo

Sharjah Islamic Bank

Minimum Deposit: AED 200,000.00
Tenure: 720 - 1080 days
Interest Rate: 3.25%
Payment Frequency: Monthly, Quarterly, Annually
Early Withdrawal Penalty: No profit paid if withdrawn within 6 months. After 6 months, 25% of accrued profit is paid.
Islamic Deposit: Yes

Features:

Financing up to 70% of deposit value. Profits are distributed on a monthly, quarterly, or annual basis.

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United Arab Bank Logo

United Arab Bank

Minimum Deposit: AED 5,000.00
Tenure: 30 - 1095 days
Interest Rate: 3.25%
Payment Frequency: On Maturity
Early Withdrawal Penalty: Interest recalculated at a lower rate. No interest paid if withdrawn before 6 months.
Islamic Deposit: No

Features:

Flexible tenures up to 3 years. Available in multiple currencies with competitive rates.

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United Arab Bank Logo

United Arab Bank

Minimum Deposit: AED 5,000.00
Tenure: 365 - 1095 days
Interest Rate: 2.75%
Payment Frequency: Monthly
Early Withdrawal Penalty: Lower interest applied on withdrawn amounts.
Islamic Deposit: No

Features:

Designed for flexibility with partial withdrawals allowed while maintaining returns.

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United Arab Bank Logo

United Arab Bank

Minimum Deposit: AED 25,000.00
Tenure: 365 - 1095 days
Interest Rate: 3.9%
Payment Frequency: Semi-Annually
Early Withdrawal Penalty: No penalty if withdrawn on any interest payment date after 12 months. If withdrawn within the first year, a 1% penalty applies. No interest paid if withdrawn within 1 month of placement.
Islamic Deposit: No

Features:

Capital protection, flexibility in withdrawal on interest payment dates, and step-up profit structure.

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