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Frequently Asked Questions

  • Yes guests are allowed provided they are accompanying the cardholder on the same flight.
  • Each guest will be charged by $32 per visit (to be paid at the lounge)

6 free access throughout the calendar year then every extra visit will be charged by $32 (it will be debited from the registered credit card)

No minimum spend required

Mutual funds and Certificates of Deposit (CDs) are two distinct investment options that differ in several key aspects, including structure, risk, returns, diversification and liquidity. below is a comparison:
  1. Investment Type
  • Mutual Funds: Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks treasury bonds or other securities. The value of your investment fluctuates based on the performance of the underlying assets.
  • CDs: A CD is a fixed-term deposit offered by banks and credit unions. You deposit money for a set period (e.g." 1 year 3 years etc.) and the bank pays you a fixed interest rate over that term. The principal is guaranteed and the interest is usually fixed.
  1. Return and Risk
  • Mutual Funds: These carry market risk because the value of the underlying securities can rise and fall. As a result" returns are variable and depend on the performance of the assets within the fund. Equity mutual funds tend to have higher potential returns but with greater risk whereas bond funds offer more stable albeit lower returns.
  • CDs: Generally considered low risk because your principal and interest are guaranteed by the issuing bank. However CDs face interest rate risk- if interest rates rise during the CD term your fixed rate become less attractive. The return is fixed and predictable but it is typically lower than the potential mutual fund earnings especially in a low-interest-rate environment.
  1. Liquidity
  • Mutual Funds: Generally liquid allowing investors to buy or sell shares daily. Some funds may offer weekly liquidity for entry and exit.
  • CDs: Funds are locked in until the maturity date. Early withdrawals may result in penalties such as losing some of the accrued interest and withdrawals are usually not allowed within the first six months.
  1. Diversification
  • Mutual Funds: Provide built-in diversification since the fund invests in a variety of securities helping to spread risk across multiple assets.
  • CDs: offer no diversification as the investment is concentrated in a single fixed-income product.

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Excellence

Banking up to your Excellence lifestyle

Excellence

Banking up to your Excellence lifestyle

Enjoy an impeccably hand-selected bouquet of ultimate benefits to manage “à la perfection” every single detail of your financial journey by joining Excellence. Because we understand your lifestyle, we focused on the details.

Not only so, with Crédit Agricole you will finally be able to indulge your family members with the Banque Privée preferential treatment that you enjoy.

Your Savings & Investments

With the Privilege Account exclusively offered for you, you will enjoy daily interest calculated on your savings. And remember, the more you save, the higher the preferential interest you will get!
If you have stock investments, enjoy custody services special discounts on the clearing commission (buy and sell) and coupon collection for bookkeeping & Settlements.
Invest your savings in Time Deposits and enjoy EXTRA interest rate on weekly, monthly, 3 months, 6 months and yearly TDs

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No need to worry about the safety of keeping your valuables at home. Now their protection is guaranteed with CAE Safe Boxes. They are offered with different sizes: small, medium, large where you will enjoy special discount on its yearly fees for your convenience.

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Now you can settle your payments at ease while enjoying a special discount on your local and international outgoing transfers. In addition to this and for your convenience, the bank will take care of collecting your checks and managing your postdated ones in the due date without any delays. This also includes offering Stop Payment service for free in case you lost any of your checks or still not processed.

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With Your Excellence bouquet, you have access to the 1st in class premium cards with a special discounted fee allowing you to enjoy the luxury that you deserve:

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Your Excellence Finance

Excellence bouquet gives you the access to special finance programs tailored to meet your expectations, being a Banque Privée client. This is in addition to offering a special discount on your personal and auto loans administration fees.

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