Mexico product data · source-verified snapshot

Cetesdirecto and Finsus: compare rates, terms and protection

A side-by-side view of current product disclosures and an illustrative one-year calculation. The comparison does not rank products or make a personalized recommendation.

Rate data snapshot: 2026-10-30. Each card shows its source, product ID and retrieval date.

Product A

Cetesdirecto

Source-listed annual rate: 7.12%
Availability or term: 364 days
Product ID: cetes-364
Balance condition: No balance cap is listed in this product record
Protection information: Mexican federal government security · sovereign backing, not deposit insurance

Cetesdirecto / Nacional Financiera (Nafin) / SHCP / Banxico · source disclosure
Retrieved 2026-10-30

Product B

Finsus

Source-listed annual rate: 8.69%
Availability or term: 360 days
Product ID: finsus-plazo-fijo-360
Balance condition: No balance cap is listed in this product record
Protection information: PROSOFIPO · up to 25,000 UDIS (approximately $220,317.77 MXN)

Financiera Sustentable de México / RECA CONDUSEF 13916-999-041363/03-01920-0826 · source disclosure
Retrieved 2026-10-30

Illustrative annual scenario

Enter an amount in Mexican pesos. The model applies each listed annual rate, the product's recorded balance conditions, and the same 2026 provisional ISR assumptions used by the Mexico calculators.

Amount to compare (MXN)

Cetesdirecto

Gross yield: —
Modeled provisional ISR: —
Estimated net yield: —
Estimated ending balance: —

Finsus

Gross yield: —
Modeled provisional ISR: —
Estimated net yield: —
Estimated ending balance: —

This is a simplified 365-day illustration, not a guarantee or a declaration that either product is better. Actual eligibility, rates, balances, fees and tax treatment can differ. Confirm current conditions with each institution.

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