How you benefit Step up interest rate The interest rate of the Apodosi & Eleftheria time deposit, increases during the term of the deposit. The interest accrued is transferred monthly to your deposit account. Option of an early withdrawal free of charge Should you need the money deposited in Apodosi & Eleftheria time deposit before the maturity date, you have the option of an early withdrawal of the total amount. On the day of the interest payment, there is no charge for early withdrawal. In any other date, an early withdrawal penalty applies, calculated as follows: 2% x Withdrawn Capital x days remaining to maturity / 360 (days) Early withdrawal penalty cannot exceed the total accrued credit interest of the time deposit, paid or not. Minimum amount The minimum deposit amount for Apodosi & Eleftheria time deposit is €5,000.