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Emirates Islamic management is pleased to announce the following profit rates for Customers' Mudaraba based Accounts and Deposits.
| Product | Currency | Tiers | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|
| Savings Accounts | ||||||||||
| Investment Savings Account | AED | NA | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% |
| USD | NA | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | |
| Kunooz Savings Account | AED | NA | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
| Super Savings Skywards Account | AED | NA | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
| Super Savings Etihad Guest Account | AED | NA | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
| Special Investment Account | AED | NA | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% |
| USD | NA | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.00% | 0.00% | 0.00% | |
| Child Savings Account | AED | NA | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% |
| Value Account | AED | >=5K & <50K | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% |
| >=50K & < 300K | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | ||
| >=300K | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | ||
| USD | >= 5K & < 50K | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | |
| High Value Salary Account | AED | >=5K & < 50K | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% |
| >=50K & < 300K | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | ||
| >=300K | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | ||
| Investment Term Deposits (ITD) | ||||||||||
| ITD – 2 years | AED | <= 100K | 0.85% | 0.85% | 0.85% | 0.85% | 0.85% | 0.75% | 0.75% | 0.75% |
| > 100K - 3.5M | 0.95% | 0.95% | 0.95% | 0.95% | 0.95% | 0.85% | 0.85% | 0.85% | ||
| > 3.5M - 25M | 1.05% | 1.05% | 1.05% | 1.05% | 1.05% | 0.95% | 0.95% | 0.95% | ||
| USD | <= 100K | 0.65% | 0.65% | 0.65% | 0.65% | 0.65% | 0.55% | 0.55% | 0.55% | |
| > 100K - 3.5M | 0.70% | 0.70% | 0.70% | 0.70% | 0.70% | 0.60% | 0.60% | 0.60% | ||
| ITD – 1 year | AED | <= 100K | 0.70% | 0.70% | 0.70% | 0.70% | 0.70% | 0.60% | 0.60% | 0.60% |
| > 100K - 3.5M | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | 0.70% | 0.70% | 0.70% | ||
| > 3.5M - 25M | 0.90% | 0.90% | 0.90% | 0.90% | 0.90% | 0.80% | 0.80% | 0.80% | ||
| > 25M - 50M | 0.95% | 0.95% | 0.95% | 0.95% | 0.95% | 0.85% | 0.85% | 0.85% | ||
| > 50M - 100M | 1.05% | 1.05% | 1.05% | 1.05% | 1.05% | 0.95% | 0.95% | 0.95% | ||
| > 100M | 1.15% | 1.15% | 1.15% | 1.15% | 1.15% | 1.05% | 1.05% | 1.05% | ||
| USD | <= 100K | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.40% | 0.40% | 0.40% | |
| > 100K - 3.5M | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | 0.45% | 0.45% | 0.45% | ||
| > 3.5M - 25M | 0.65% | 0.65% | 0.65% | 0.65% | 0.65% | 0.55% | 0.55% | 0.55% | ||
| ITD – 9 Months | AED | <= 100K | 0.65% | 0.65% | 0.65% | 0.65% | 0.65% | 0.55% | 0.55% | 0.55% |
| > 100K - 3.5M | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% | 0.65% | 0.65% | 0.65% | ||
| USD | <= 100K | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.30% | 0.30% | 0.30% | |
| > 100K - 3.5M | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.40% | 0.40% | 0.40% | ||
| ITD – 9 Months Flexi | AED | <= 100K | 0.45% | 0.45% | 0.45% | 0.45% | 0.45% | 0.35% | 0.35% | 0.35% |
| > 100K - 3.5M | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | 0.45% | 0.45% | 0.45% | ||
| > 3.5M - 25M | 0.65% | 0.65% | 0.65% | 0.65% | 0.65% | 0.55% | 0.55% | 0.55% | ||
| USD | <= 100K | 0.45% | 0.45% | 0.45% | 0.45% | 0.45% | 0.35% | 0.35% | 0.35% | |
| > 100K - 3.5M | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.40% | 0.40% | 0.40% | ||
| ITD – 6 Months | AED | <= 100K | 0.60% | 0.60% | 0.60% | 0.60% | 0.60% | 0.50% | 0.50% | 0.50% |
| > 100K - 3.5M | 0.70% | 0.70% | 0.70% | 0.70% | 0.70% | 0.60% | 0.60% | 0.60% | ||
| > 3.5M - 25M | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | 0.70% | 0.70% | 0.70% | ||
| USD | <= 100K | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.30% | 0.30% | 0.30% | |
| > 100K - 3.5M | 0.45% | 0.45% | 0.45% | 0.45% | 0.45% | 0.35% | 0.35% | 0.35% | ||
| ITD – 3 Months | AED | <= 100K | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | 0.45% | 0.45% | 0.45% |
| > 100K - 3.5M | 0.65% | 0.65% | 0.65% | 0.65% | 0.65% | 0.55% | 0.55% | 0.55% | ||
| > 3.5M - 25M | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% | 0.65% | 0.65% | 0.65% | ||
| > 25M - 50M | 0.85% | 0.85% | 0.85% | 0.85% | 0.85% | 0.75% | 0.75% | 0.75% | ||
| USD | <= 100K | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.25% | 0.25% | 0.25% | |
| > 100K - 3.5M | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.30% | 0.30% | 0.30% | ||
Rates provided are not applicable for accounts held in other foreign currencies.
**For High Value Salary Account if there is a salary transfer, profit rates would be 0.40% p.a.
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