Ecuador Term Deposit · Updated August 2026
Cooperativa De Ahorro Y Credito De Los Servidores Publicos Del Ministerio De Educacion Y Cultura
Here is what Cooperativa De Ahorro Y Credito De Los Servidores Publicos Del Ministerio De Educacion Y Cultura is advertising on its term deposits right now, paired with its rating and insurance, because the highest rate and the safest home for your money are not always the same place. Rates move, so treat this as a starting point and confirm the figure with the institution before you commit.
Current rates
No current rates on file. See the full table.
Want to see what a deposit here would grow to after tax? Use the CD Returns Calculator on the main page, or weigh it against buying property with the CD vs Cuenca Property tool.
Is your money safe here?
Deposit insurance
That is the insured ceiling at one institution. If you are placing more than that, splitting across institutions keeps the whole balance covered.
Independent rating
On Ecuador's local AAA to E scale. Strong grades (AAA, AA, A) sit at the top; BBB is adequate; BB and below are weaker. A different scale from the global Fitch or S&P one.
Financial health SEPS · May 2026
Solvency is the capital cushion (Ecuador's legal minimum is 9%, and higher is safer). Delinquency (morosidad) is the share of loans behind on payment, so lower is better. Loan-loss coverage is how much of those overdue loans the institution has already set aside for, where above 100% is prudent. Figures from the SEPS monthly bulletin; SEPS publishes them but does not endorse any institution.
Sources
Good to know before you deposit
- Is Cooperativa De Ahorro Y Credito De Los Servidores Publicos Del Ministerio De Educacion Y Cultura insured?
- Yes. Deposits at Cooperativa De Ahorro Y Credito De Los Servidores Publicos Del Ministerio De Educacion Y Cultura are covered by COSEDE, Ecuador's deposit insurance agency, up to $32,000 per depositor. Amounts above that at a single institution are not guaranteed.
- What is Cooperativa De Ahorro Y Credito De Los Servidores Publicos Del Ministerio De Educacion Y Cultura's safety rating?
- Cooperativa De Ahorro Y Credito De Los Servidores Publicos Del Ministerio De Educacion Y Cultura carries a AA+ rating from UnionRatings, as of 2025-12-31, on Ecuador's local AAA to E scale (a different scale from the global Fitch or S&P one).
- Is CD interest taxed in Ecuador?
- Interest on deposits held 180 days or more is exempt from income tax. Deposits held under 180 days have a small withholding that is a creditable advance.
- How do I open a CD at Cooperativa De Ahorro Y Credito De Los Servidores Publicos Del Ministerio De Educacion Y Cultura?
- You open it directly with Cooperativa De Ahorro Y Credito De Los Servidores Publicos Del Ministerio De Educacion Y Cultura. The rates here are a starting point; institutions often pay more on inquiry, especially for larger deposits, so name your amount and ask.
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