The Educational and Housing Investment Plan (EHIP) is a medium-term financial investment plan that guarantees St Lucians financing for future educational plans or facilitates the accumulation of savings for the 10% or 20% deposits required for the purchase of land or house and land.

The FICS Fixed Deposit is a short-term investment for a period of one (1) year where a lump sum is deposited and accumulates interest over time.

The Special Deposit facility is designed to facilitate those clients whose needs cannot be accommodated by FICS’ existing investment facilities. Interest rates are highly negotiable.

The FICS Growth Fund is a short to medium-term facility which guarantees the client an annual increase of 0.25% in their interest rate. This fund allows customers to:

• earn very attractive rates depending upon the amount invested
• withdraw funds before five years without loss of earned yearly interest

The Senior Citizens Investment Plan is a medium-term financial investment plan that guarantees the senior citizen a generous income on his/her investment. The period of investment is either three (3) or five (5) years and the income is fixed.  

The Supplementary Pension Programme (SPP) is a long-term investment for persons in permanent employment with a saving capacity capable of sustaining the monthly contribution. The Programme has been approved by the Inland Revenue Department as a Registered Retirement Savings Plan and, therefore, up to $8,000 of contributions to the programme is tax-free.

The Senior Citizens Monthly Interest Investment Plan (SCIP Monthly) is a financial instrument that allows clients to withdraw their interest monthly from their investments.