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City Union Bank FD interest rates for 1, 2, 3 and 5 years

Last checked 3 November 2026. Rate card from 21 October 2026. Deposits below ₹3 crore.

City Union Bank pays its best rate among these terms on 2 years: 7.30%, or 7.50% for senior citizens. That ranks 7th of 33 banks we track for 2 years. On a 2-year deposit it pays more than SBI (6.40%).

6.65%1 year, senior 6.85%
7.30%2 years, senior 7.50%
7.30%3 years, senior 7.50%
6.55%5 years, senior 6.75%

City Union Bank FD rates by term

TermRateSenior rate₹5 lakh becomesRank
1 year
Slab: 365 days to 443 days		6.65%6.85%₹5,34,0889th of 33
2 years
Slab: 556 days to 3 years		7.30%7.50%₹5,77,8377th of 33
3 years
Slab: 556 days to 3 years		7.30%7.50%₹6,21,1884th of 33
5 years
Slab: Over 3 years up to 5 years		6.55%6.75%₹6,91,91011th of 33
Tax saver, 5 years
80C, old regime only		6.75%Not stated₹6,98,749Compare

Interest compounds every quarter and is paid at maturity, before tax. Source: City Union Bank deposit rates. Each rate is the slab that contains that exact term.

How City Union Bank compares

  • 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 0.60 percentage points more. On ₹5 lakh that is ₹3,159 extra.
  • 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 0.45 percentage points more. On ₹5 lakh that is ₹5,127 extra.
  • 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 0.70 percentage points more. On ₹5 lakh that is ₹12,933 extra.
  • 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.22 percentage points more. On ₹5 lakh that is ₹42,732 extra.

Similar banks: IndusInd Bank (7.25% for 2 years), DCB Bank (7.40% for 2 years), Bandhan Bank (7.45% for 2 years), IDFC FIRST Bank (7.10% for 2 years).

Amounts at City Union Bank

  • ₹1 lakh for 2 years at 7.30% becomes ₹1,15,567.
  • ₹10 lakh for 2 years at 7.30% becomes ₹11,55,674.
We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.

Questions people ask

What is the City Union Bank FD rate for 1 year?

City Union Bank pays 6.65% a year on a 1-year deposit below ₹3 crore (6.85% for senior citizens). ₹5 lakh grows to ₹5,34,088. The slab is "365 days to 443 days".

What is the City Union Bank FD rate for 2 years?

City Union Bank pays 7.30% a year on a 2-year deposit below ₹3 crore (7.50% for senior citizens). ₹5 lakh grows to ₹5,77,837. The slab is "556 days to 3 years".

What is the City Union Bank FD rate for 3 years?

City Union Bank pays 7.30% a year on a 3-year deposit below ₹3 crore (7.50% for senior citizens). ₹5 lakh grows to ₹6,21,188. The slab is "556 days to 3 years".

What is the City Union Bank FD rate for 5 years?

City Union Bank pays 6.55% a year on a 5-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹6,91,910. The slab is "Over 3 years up to 5 years".

What is the City Union Bank tax-saver FD rate?

6.75% for 5 years. It qualifies for 80C in the old tax regime and cannot be broken before 5 years.

Is money in a City Union Bank FD safe?

City Union Bank is a private bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.

More FD rate pages

1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate