Services > Investments

Are you ready to go beyond the everyday savings account? With Baines Credit Fixed Deposit, higher interest rates are available for higher balances.

How to make a Fixed Deposit

  • Determine how much you want to deposit (minimum of N250, 000).
  • Fill an account opening form.
  • Choose the tenor of your investment plan (60 days, 90 days, 180 days or 365 days).
  • Make an online transfer or give a cheque


  • High interest rate ( higher than what is obtainable with the demand deposit products)
  • The funds can be used as collateral to access our loans
  • It helps in financial planning
  • At rollover, the interest if reinvested can yield more interest
  • Your savings is fully insured by NDIC.


The product is to enable account holders earn good returns on their investments while proving convenience in savings, this product also ensures investors save towards their future project needs like travel and relocation plans, home rent and purchase, asset purchase (car), destination wedding, business startup and support etc.


  • Minimum account opening deposit of N50,000.00
  • Minimum deposit tenor of six (6) months
  • Minimum total contribution of N300,000.00
  • Flexible contribution scheme (daily, weekly, monthly or one-off)
  • 10% Per annum interest
  • Interest payment could be monthly or at tenor end


  • Basic HMO benefit for two
  • Health care benefit can be transferred to a beneficiary
  • Can serve as collateral for loan up to 75% of deposit position
  • Earn above savings account interest

Mode of Collection

  • Cash Deposit
  • Transfer to clients NUBAN account with Baines or Baines account in Stanbic
  • PAYSTACK direct debit mandate

Target Market

  • Salary Earners
  • Upwardly Mobile Individuals
  • Entrepreneurs and Business Owners
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