Starter Savings Account
With our Starter Savings account, you can build a simple and easy to manage savings plan that will enable you to save specific amount or put aside some money each month while tracking it progress.
Health Plus Savings Account
Want a Savings account with high interest rate combined with a high deductible Health Plan that will help you control your health care costs while saving for future medical expenses, then think Health Plus.
Money Market Account
Whether you are looking for a liquid investment account, or saving for a large purchase, K-Money Market account is a convenient and effective way to manage your money to meet your financial goals.
Certificate of Deposits
We offer a flexible CD that you can customize to suit your saving plan. And with deposit amounts as low as €1000 and terms ranging from 10 days to 5 years, you can achive your goal knowing that you investment is insured at a fixed interest rate.
Notices & Disclosures
Minimum deposits are required for some Current or Savings account and accounts must be funded within 10 days of opening. Deposit Guarantee Fund. Deposit balances are insured up to the maximum amount permitted by law. Please visit http://www.fgd.es/ for more information about deposit insurance coverage.1 This account earns interest. Please request a Rate Sheet for the interest rates and Annual Percentage Yields (APYs). The Bank may change the interest rate and annual percentage yield (APY) at any time without notice. Your interest begins to accrue no later than the business day we receive credit for the deposit. Interest on your account will be compounded continuously and credited monthly. The Bank uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the balance in your account each day. When your account is closed you will forfeit any accrued interest.
2 Interest bonus is a one-time credit to your account when you reach your savings goal which is equal to the total amount of interest you have earned over the life of your account. The bonus is paid the day your statement cycles when your account has been opened for at least 185 days and you have reached your savings goal. You may choose a savings goal amount ranging from €1,000 to €20,000.
3 Health Plus Savings Account earns interest. The interest rate and APY may change. The bank may change the interest rate and APY at any time without notice. Your interest begins to accrue no later than the business day we receives credit for the deposit. Interest on your account will be compounded continuously and credited monthly. IberCaja uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the balance in your account each day. When your account is closed you will forfeit any accrued interest. IberCaja pays the stated interest rate and APY only on that portion of the balance within the specified tier. The Annual Percentage Yield Earned (APYE) during a statement period is an annualized rate that reflects the relationship between the daily balance and the amount of interest actually earned on the account within the applicable tier(s). APY accurate as of date listed in Interest Information. Note that Rates may change after the account is opened and Fees may reduce earnings.
4 Health Plus Savings account fees are disclosed at time of account opening. Please refer to product page for pricing information and other important disclosures.
5 IberCaja does not provide tax or accounting advice. Please consult an accountant or tax advisor for professional advice on these areas.
6 For CDs issued in an amount less than €50,000, interest is compounded continuously. For CDs issued in an amount of €50,000 or more and with a term greater than 30 days, interest is compounded and credited monthly. For CDs with a term of 30days or less, the simple interest method is used, interest is not compounded and interest is paid at maturity. For CD terms not ending in a complete monthly period, simple interest will be paid for the last period.
