Savings in CDT in Colombia reach record figures after the pause in the interest rates of the Bank of the Republic

May 5, 2026

TL;DR

The Bank of the Republic maintained its reference interest rate at 11.25% on April 30th, following two consecutive increases to combat inflation.
CDT rates remain at historic highs, presenting an exceptional savings opportunity in Colombia.
Deposits in CDTs by individuals reached 141.7 trillion pesos by February, exceeding traditional savings accounts.
Financial experts note a shift where savings are becoming more prominent as credit becomes more expensive.
CDT yields are reaching up to 13% effective annual rate (E.A.), a level not seen in years.
Market response to interest rate adjustments has become less intense, suggesting a potential equilibrium.
A significant portion of savers (46%) are postponing investment decisions due to uncertainty.
Experts warn that waiting may lead to missing out on current attractive CDT conditions.
CDTs are highlighted as a stable investment compared to volatile assets like stocks.
Analysts recommend comparing offerings from over 25 financial entities to maximize returns.
Longer terms generally offer higher rates, but it's crucial to review contract specifics and minimum deposit requirements.
Diversifying CDT holdings across different terms is advised for financial flexibility.

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