Why is term savings still one of the smartest financial decisions?

In a time when unexpected expenses can surprise us at any moment, one habit has remained synonymous with responsible money management for decades: saving.

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Disclaimer: The translations are mostly done through AI translator and might not be 100% accurate.

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17.06.2026. 08:00h

While we often think about how to use and invest money now, it's equally important to think about how to save it for the future. Term savings are just that: a simple and reliable way to put funds we're not currently using to work toward future goals.

Whether you're saving for a trip, a home renovation, your children's education, or simply want some extra financial security, a term deposit allows you to define a savings period in advance and know what to expect at the end of that period. Unlike money sitting idle in a checking account without interest, term deposits work for you while you plan your next steps.

One of the biggest advantages of term savings is predictability. You know how long you will be saving for and under what conditions from the moment you make the deposit. This certainty is why term savings remain one of the most popular financial products. It is also important to note that you do not need a large amount to start with. Financial stability is often not achieved by one big decision, but by small, consistent steps that we repeat.

To further reward clients who think long-term, we have organized a prize game "Every deposit is worth it - save and win!", intended for all adult individuals who deposit funds for a minimum of one year and have an active term deposit at the time of the draw. Every term deposit of at least 200 euros entitles you to participate in the prize game, while new funds bring three times more opportunities to win prizes.

Four rounds of draws will be organized during the campaign. The first draw is scheduled for July 6, 2026 and brings MS Energy electric scooters and Apple iPhone 17 devices. Dyson stick vacuum cleaners, vouchers for shopping at HD Laković stores are also waiting for you, and at the end of the campaign, the main prize, a BYD ATTO 3 electric vehicle, will follow.

The prize game lasts until October 25, 2026, and detailed rules are available on our website.

Good savings are not about giving up on your plans, but rather a way to achieve them with more security. You can deposit funds in just 15 seconds via the CKB GO app and take a step that will have value today and tomorrow.