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.


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