How much will I earn if I invest Ksh 5,000,000 at Guardian Bank for 3 years?

At Guardian Bank's weighted-average deposit rate of 8.17% per the Central Bank of Kenya (May 2025), a Ksh 5,000,000 deposit grows to approximately Ksh 6,383,441 after 3 years. That's about Ksh 1,383,441 of interest, assuming monthly compounding and no withdrawals.

What is Guardian Bank's deposit rate right now?

Guardian Bank publishes a weighted-average deposit rate of 8.17% (May 2025, Central Bank of Kenya).

Would a Kenyan Money Market Fund earn more than Guardian Bank?

Yes — Cytonn Asset Managers's Cytonn Money Market Fund currently yields 9.39% net of 15% withholding tax. The same Ksh 5,000,000 invested there for 3 years would grow to about Ksh 6,619,643, meaningfully more than Guardian Bank's Ksh 6,383,441.

Guardian Bank · CBK May 2025

Invest Ksh 5,000,000 at Guardian Bank for 3 years.

At Guardian Bank's current weighted-average deposit rate of 8.17%, a Ksh 5,000,000 deposit grows to about Ksh 6,383,441 after 3 years — about Ksh 1,383,441 in interest, assuming monthly compounding and no withdrawals.

Final balance

Ksh 6,383,441

1.28× your deposit

Deposited

Ksh 5,000,000

One-off, no withdrawals

Interest earned

Ksh 1,383,441

At 8.17% p.a.

Year by year

Contributions form the floor; interest compounds on top.

Could you earn more elsewhere?

The same Ksh 5,000,000 in Cytonn Money Market Fund — currently Kenya's top-yielding MMF at 9.39% net of 15% WHT — would grow to about Ksh 6,619,643 over the same 3 years. Run your own numbers on the compound interest calculator.

Similar scenarios at Guardian Bank