Fixed deposit rates by bank in Uganda, April 2026

dfcu Bank publishes the highest maximum fixed deposit rate, up to 15.00% before tax, in the Bank of Uganda sheet dated 1 Apr 2026. That is the published maximum, usually for large deposits; the typical top rate across banks is 12.38%. Check each bank's minimum rate too, because most savers are offered something in between. Compare every bank.

Those banks agree the rate with each customer instead of publishing a number, often depending on the amount and term. 12 of 20 banks in the latest Bank of Uganda sheet list their maximum as negotiable. We show them all so the list isn't only the banks that publish a number.

Bank deposits are protected up to UGX 10,000,000 per person per bank by the Deposit Protection Fund, and SACCOs licensed by the Bank of Uganda are now covered too. Treasury bills and bonds are loans to the Government of Uganda. Unit trusts are not covered by deposit protection; your money is held by a separate custodian and the manager is supervised by the Capital Markets Authority. Official sources for each.

The Bank of Uganda sheet is dated 1 Apr 2026. The Bank publishes it about every quarter; when it's overdue the date on this page turns amber.