AffinityPlus SMART Builder

Enhanced Savings for Goal-Based Saving

SMARTBuilder is an enhanced savings instrument designed to facilitate saving for short to medium-term financial goals. With a competitive 1% interest rate paid quarterly, this account offers higher rates than regular membership prime accounts, helping you maximize your earnings.

Key Features

• Minimum Deposit: BBD $500.00 to activate the account
• Interest Rate: 1% paid quarterly
• Withdrawal Policy: Branch-only withdrawals (not encouraged to maximize earnings)
• Monthly Fees: No fee

Behavioral Design

This account uses behavioral finance principles to encourage disciplined saving:

• Branch-only withdrawals prevent impulsive online spending
• Higher rates than regular accounts reward committed savers
• Perfect for specific goals like mortgages, vacations, or major purchases
• Easy activation with low minimum deposit

Perfect for: Savers with short to medium-term financial goals who want higher returns than regular accounts.