inv.png bank icon

Bank

Bank interest rates fluctuate weekly, when admins feel the need to remove or inject money into the economy- the interest shown on this page wont always be correct.

  • You need to be level 5 or higher to access the Bank, at which point it will become available at: City > West Side > City Bank
  • The Bank Cap (maximum you can invest at one time) is 2 Billion.
  • You cannot withdraw your investment until your investment time is up.
  • If you have symbols activated, and have money in the bank, simply hover your mouse over the inv.png bank icon symbol to see your bank time and amounts.
  • Investing repeatedly for a shorter amount of time can be more beneficial than longer investment terms.
  • If you’re banking the maximum, 2 months is the most rewarding investment term.

Interest Rates | Calculator (soon)


Interest Rates:

Time Invested Merits Used
0 1 2 3 4 5 6 7 8 9
1 Week 00.95% 01.05% 01.15% 01.25% 01.35% 01.45% 01.55% 01.65% 01.75% 01.85% 01.95%
2 Weeks 02.17% 02.40% 02.63% 02.86% 03.09% 03.32% 03.55% 03.78% 04.01% 04.24% 04.47%
1 Month 04.73% 05.23% 05.73% 06.23% 06.73% 07.23% 07.73% 08.23% 08.73% 09.23% 09.73%
2 Months 10.40% 11.50% 12.60% 13.70% 14.80% 15.90% 17.00% 18.10% 19.20% 20.30% 21.40%
3 Months 15.12% 16.72% 18.32% 19.92% 21.52% 23.12% 24.72% 26.32% 27.92% 29.52% 31.12%
10 Merits – 1wk 01.95% – 2wk 04.47% – 1mnth 09.73% – 2mnth 21.40% – 3mnth 31.12%

(Interest Rates last Updated on: Sept. 24, 2011)

Current Base Interest Rate: 0.95%
(As of: Sept. 24, 2011)


With Stockmarket Benefit:
(From the Torn City Investment Banking Company)

 

+ 10% to Current Interest*

*This is not + 10% to interest!
It is a 10% increase to the interest you are already getting on your investment.

To calculate this, take the interest you are receiving in the above table, and multiply it by 1.1
eg: 33.12 x 1.1 = 36.432% interest rate with TCB benefit.


Interest Rate Formulas:
These will allow you to work out your bank interest rate based off the current base rate.
This will help you calculate exact gains yourself, when our table above is out of date, using your own information.

 

0 Merits Each Bank Merit
1 Week Base Rate* + 0.10
2 Weeks Base x 2.3 + 0.23
1 Month Base x 5 + 0.50
2 Months Base x 11 + 1.10
3 Months Base x 16 + 1.60

* (1 week, 0 merits interest rate- eg 1.07% in the current table above)