Cuenca Investment Resource
CD Rates in Ecuador — Live Comparison
Certificate of Deposit rates across Ecuadorian banks, cooperatives, and a selection of US banks expats commonly use. A neutral reference for anyone weighing a fixed-income allocation against property.
What you're looking at
In Ecuador, a póliza a plazo fijo (banks) or depósito a plazo (cooperatives) is a term deposit — you lock in a sum for a fixed period in exchange for a stated annual rate. The rates above are the APY (annual percentage yield), which already accounts for each institution's compounding convention, so you can compare them directly.
US rates are included because many expats hold USD at US banks and are deciding whether to move the cash south. Ecuador is fully dollarized — there is no currency-conversion risk between the two markets.
Deposit insurance
Ecuadorian banks, cooperatives, and mutualistas are covered by COSEDE, the national deposit insurance fund. US banks are covered by FDIC. Coverage caps shown as badges in the table are per-depositor, per-institution limits. Verify current amounts at cosede.gob.ec and fdic.gov.
Methodology & disclaimers
Rates are collected from each institution's published tarifario and cross-checked against Superintendencia de Bancos / SEPS reference data. Rates change; we update weekly but individual institutions may revise between updates. Always confirm directly with the institution before opening a deposit. Nothing here is financial advice — it's a comparison tool. We do not earn a referral fee from any institution listed.
Tax treatment varies: Ecuador withholds a small percentage of interest at source; US institutions report interest as taxable income at your marginal rate. Early-withdrawal penalties differ by institution and are not shown here — check with the institution.
Compare against property
CDs produce a known nominal return; Cuenca property produces a rental yield plus appreciation, with a tradeoff in liquidity and effort. A dedicated side-by-side calculator is coming soon. For now, if you're weighing the two, reach out — we'll walk through the numbers with you directly.