With an inflation that closed 2022 at 13.12 percent, the Term Deposit Certificates (CDT) or better known as CDT They can be an option to cover the high prices.
If the person currently has a capital, they can leave it a charge from the bank for a certain time and after those 90, 180 or 360 days, depending on each personal case, they will receive it with an additional sum of the product of profitability .
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It must be taken into account that this profitability was obtained from variables such as the amount of money deposited, the time they keep it in the bank and the conditions of the market. In addition, you must take into account that you will not be able to withdraw the money before the agreed date.
For example, right now people in Colombia can find returns of up to 18 percent if they keep the money for between three months and a year, depending on the bank. This means that they can get up to 4-5 points more than the explosion in some cases.
Currently, it is no longer necessary to do it in person, as many banks allow you to open CDT online from your own cell phone or computer.
The banks with the highest returns
We show you what is the annual effective average rate of the banking entities according to the super financialto which the banks transmit the information of their CDT.
For example, at 30 days the best annual effective rate of banks (with a cutoff of December 2022) is offered by Itaú, which has a yield of 11.57 percent. For having money in the same term, Bancolombia offers a rate of 11.49 percent and Banco Falabella 11.23 percent.
The 60-day CDT is also better paid in Itaú, which with a cut-off to December had a rate of 13.94 percent; followed by Coopcentral, with 13.68 percent; and Banco Serfinanza, 12.34 percent.
It is followed by Bancolombia with a rate of 11.47 percent; GNB Sudameris of 10.66 percent; and Davivienda with a return of 10.53 percent.
Best 60-day rates
BANK RATE
1 Itau 13.94
2 Coopcentral 13.68
3 Serfinanza Bank 12.34
4 Bancolombia 11.47
5 GNB Sudameris 10.66
6 Davivienda Bank 10.53
7 Women’s World Bank 9.67
At 90 days the situation changes because the best returns are found in BTG Pactual, which has a rate of 17.24 percent. It is followed by Banco Santander, with 17.02 percent; and Banco Fallabella, with 15.39 percent.
There is also Banco de Occidente, with a rate of 15.09 percent; Finandina with 15.01 percent; and Itaú with 14.91 percent.
If we already go to 180 days the best rates of December were paying Banco Santander, with 18.02 percent; followed by Davivienda, with 17.88 percent; and Falabella, with 15.25 percent. Behind are Banco Popular (17.13 percent), Finandina (16.98 percent) and Bbva Colombia (16.80 percent).
Best rates at 180 days
BANK RATE
1 Santander Bank 18.02
2 Davivienda Bank 17.88
3 Falabella Bank 17.25
4 Popular Bank 17.13
5 Finandine 16.98
6 BBVA Colombia 16.80
7 Bank of the West 16.42
And regarding the 365 days, the best rates in December were in Scotiabank Colpatria (18.14 percent), followed by Banco de Bogotá (18.10 percent), Finandina (17.45 percent), Banco Serfinanza (17.39 percent) and Banco Popular (17.38 percent).
