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SDM-BANK offers two long-term deposits.

SDM-BANK offered 2 new long-term deposits (“Investor-Income” and “Investor-Capital”) May 30, 2006. Roubles, US dollars, and Euro are received to the deposits.  Deposit period is from 1 year to 3 years. “Investor-Income” deposit interest is paid at maturity.  “Investor-Capital” deposit interest is paid monthly by transfer to the bank card account of the depositor.
Minimal deposit amount is RUB 500,000 or USD 20,000, Euro 20,000. Interest rate is 11-11.5% in RUB per annum, 8-8.5% in USD per annum, 8-8.5% in Euro per annum and depends on deposit amount and deposit period. “Investor-Capital” deposit holder can deposit funds to the same deposit account at any time.
Withdrawal before the maturity is allowed. At the withdrawal interest is paid at the flexible interest rate, which depends on the time period. One partial withdrawal up to 30% of the deposit amount is allowed without any penalties: the bank will not decrease the interest rate.