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- Attractive loyalty rewards and benefits
- Get individual offers
- Deposit terms from 3 to 60 months available
Term deposit
A term deposit is a type of deposit where you agree to keep your money with our financial institution for a set period. During this time, you earn a fixed interest rate that is determined by the length of the deposit. You can choose to receive interest payments monthly, quarterly, semi-annually, annually or at the end of the term. Please note that opting for monthly payments may slightly reduce the interest rate by 0.3% from stated interest rates.
Deposit insurance
LTL Kredito unija is a participant in the deposit insurance system of the Republic of Lithuania (Article 10(1) of the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania). The amount of deposit insurance is equal to the amount of the depositor’s eligible insurable deposits in the LTL Kredito unija on the date of the insured event, but may not exceed 100 000 EUR, except for the exceptions provided for in the Law. Detailed information on the terms and conditions of deposit insurance and the cases when deposits are not insured and when limitations on the payment of deposit insurance benefits are applicable is available on the website of the Public institution “Deposit and Investment Insurance” at conditions. For basic information on deposit protection, click here.
Loyalty rewards and benefits
Get more out of your commitment with our exceptional loyalty programs. We offer attractive rewards and special pricing to show our appreciation for your loyalty. We value your long-term partnership and thank you for choosing us.
Interest rates
Maximize your savings with our term deposit options! Enjoy attractive interest rates that guarantee you a fixed return on your investment. Invest with us today and start earning more. Don't miss out on our interest rate offers. Interest rates and terms come into effect from October 5, 2026.
* For all senior deposits, regardless of maturity, new/renewable deposits are subject to a 0.05% interest surcharge on top of current rates.
* A 0,05% surcharge on current rates is applied for extending the maturity of existing customers' expired deposits for a period of at least 12 months or for existing customers making a new deposit for a period of at least 12 months.
Use our tool to calculate the interest you'll earn
Term deposit opening processs
Visit LTL
You will find us at Sporto str. 18 LT-09238 Vilnius.
Submit the documents
Please bring:
- Passport, ID document, your residence permit
- A document confirming that you live, work or study in the municipality of Vilnius City, Vilnius District or Trakai District, if your declared place of residence is registered in other municipalities
Sign the bank account and time deposit agreements
Once the decision to open an account has been made, we will invite you to sign the bank account and time deposit agreements and to familiarise yourself with the general terms and conditions of the accounts.
Manage your fixed-term deposit account
Once your bank and fixed-term deposit accounts have been opened, we will give you access to our online banking platform, which allows you to remotely manage your fixed-term deposit agreements, including the creation of new deposit agreements, the renewal or termination of existing fixed-term deposits, etc. For your convenience, we are always ready to serve you at our office. No prior registration is required.