City Union Bank (City Union) is a private sector bank, headquartered in Kumbakonam, established in 1904. Its headline 1-year FD rate of 6.65% is +0.19% above the private sector average of 6.46%, ranking #7 of 20 private banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 26 Sept 2026, verified from official source. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at City Union (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 days to 14 days |
4.00% | 4.00% | Below ₹3 crore (retail) | |
15 days to 45 days |
4.25% | 4.25% | Below ₹3 crore (retail) | |
46 days to 90 days |
4.75% | 4.75% | Below ₹3 crore (retail) | |
91 days to 180 days |
5.75% | 5.75% | Below ₹3 crore (retail) | |
181 days to 270 days |
6.00% | 6.25% | Below ₹3 crore (retail) | |
271 days to 364 days |
6.25% | 6.50% | Below ₹3 crore (retail) | |
365 days to 443 days |
6.65% | 6.90% | Below ₹3 crore (retail) | |
444 days 444-day Special |
7.10% | 7.35% | Below ₹3 crore (retail) | |
445 days to 554 days |
7.15% | 7.40% | Below ₹3 crore (retail) | |
555 days 555-day Special |
7.25% | 7.50% | Below ₹3 crore (retail) | |
556 days to 3 years |
6.50% | 6.75% | Below ₹3 crore (retail) | |
Over 3 Years upto 5 Years |
6.55% | 6.75% | Below ₹3 crore (retail) | |
Over 5 Years upto 10 Years |
6.25% | 6.50% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
365 days to 443 days |
6.65% | 6.90% | Any amount | |
445 days to 554 days |
7.15% | 7.40% | Any amount | |
556 days to 3 years |
6.50% | 6.75% | Any amount | |
Over 3 Years upto 5 Years |
6.55% | 6.75% | Any amount | |
Over 5 Years upto 10 Years |
6.25% | 6.50% | Any amount |
Deposits with City Union Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official City Union website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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