Savings
DFCU Bank
dfcu Smart Plan
A goal-based savings account with high tiered interest rates for savers who can commit to a fixed term of 3 to 24 months.
Features
- Tiered interest up to 12% p.a. (UGX) or 2% p.a. (USD) — longer term earns more
- Saving periods: 3, 6, 12, or 24 months
- Minimum opening deposit: UGX 50,000 or USD 100
- Save in UGX or USD
- Open multiple Smart Plans simultaneously for different goals
- No monthly management or transaction fees
Requirements
- Valid ID (National ID, Passport, or Driving License)
- Proof of residence
- Active dfcu bank account
Fees & Charges
- Monthly management feeFree
- Account openingFree
Interest Rate
Rateup to 12% per annum (UGX)
Tiered by term: longer savings periods earn higher rates, up to 12% p.a. (UGX) / 2% p.a. (USD). Exact per-tenor rates: contact dfcu Bank on 0800 222000. Last verified: 04 June 2026 — dfcugroup.com/personal-banking/savings-account/smart-plan-account/
Why Choose This Product
- 1Up to 12% p.a. — one of the highest published savings rates among Ugandan commercial banks
- 2No fees on the account
- 3Save in UGX or USD
Quick Summary
Target Customer
Goal-oriented savers with a fixed savings horizon
Minimum Balance
UGX 50,000
Interest Rate
up to 12% per annum (UGX)
Key Fees
- Monthly management feeFree
- Account openingFree
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