ZimbaLock - High-Yield Savings
Lock your savings for 12 months and earn an incredible 14% APY. Get a certificate of deposit and use it as collateral for bigger loans.
Why ZimbaLock?
14% Annual Returns
While banks give you 2-3%, we're serving the whole cake. Your UGX 1M becomes UGX 1.16M in just 12 months.
Disciplined Growth
12-month lock period means you can't touch it. Perfect for building that emergency fund or saving for a goal.
Certificate of Deposit
Get an official certificate you can flex with—or use as collateral for loans up to 90% of your deposit value.
Safe & Secure
Licensed, regulated, and backed by proven banking infrastructure. Your money is protected.
Requirements
- Minimum deposit: UGX 100,000
- Valid ID (NIN or Passport)
- Active Zimba account
- 12-month commitment
Your Money Working Harder
Lock UGX 100,000
Earn UGX 16,000
in 12 months with 14% APY
Lock UGX 1,000,000
Earn UGX 160,000
That's rent money! 🏠
Lock UGX 5,000,000
Earn UGX 800,000
Vacation fund unlocked! ✈️
How to Open ZimbaLock
- 1
Open a Zimba account (if you don't have one)
- 2
Choose ZimbaLock from savings options
- 3
Deposit minimum UGX 100,000
- 4
Get your certificate and watch it grow!
FAQs
Can I withdraw before 12 months?
Early withdrawal incurs penalties. It's called a "lock" for a reason! 🔒
How is interest paid?
Interest is calculated daily and paid at maturity (end of 12 months).
Can I use it as loan collateral?
Yes! Borrow up to 90% of your ZimbaLock deposit value.
What happens after 12 months?
You can withdraw, renew, or roll into a new ZimbaLock term.