Emirates Islamic Bank Investment Term Deposits (ITD)

Emirates Islamic's Mudaraba-based term deposit ladder with declared expected rates published in a rolling 8-quarter table across tenors and balance tiers: 3-month AED from 0.55% (up to 100K) to 0.85% (25M to 50M); 6-month 0.60% to 0.80%; 9-month 0.65% to 0.75% (a 9-month Flexi variant runs 0.45% to 0.65%); 1-year from 0.70% (up to 100K) through 0.95% (25M to 50M) to 1.15% (above 100M); 2-year 0.85% to 1.05%. USD rates run lower (1-year 0.50% to 0.65%). Rates have been stable from Q2 2024 through Q1 2026. A Flexi Term Deposit variant offers flexible access while earning indicative profit.

The ITD ladder is EI's short-tenor workhorse and a transparency showcase - every tenor-tier cell printed with two years of history - but the pricing tells its own story: 0.70% for a 1-year ITD versus 3.25% on EI's own 1-year Booster Wakala is a 4.6x gap the bank makes no effort to hide. The rational uses are the sub-1-year tenors (3 to 9 months) that Booster does not offer, and treasury-style laddering where the Flexi access matters. Anyone booking a 1-year-plus ITD instead of a Booster is paying a steep price for not reading two pages.