• Time Deposit Interest Rates

    About Time Deposit in the Philippines

    For people who are looking for a risk-free investment option that gives attractive interest, time deposits are the apt choice. Time deposits offer better returns than a typical savings bank account and hence, it is very popular amongst the first time investors in the Philippines. Time deposits requires the customer to put a fixed amount of cash with a bank, over a predetermined period of time, without any withdrawals. The deposit earns you an interest at regular intervals such as quarterly or monthly. While you cannot access the time deposit amount, you will still have regular cash-flow in the form of interest payments.

    If you are looking to park that extra funds in a time deposit in the Philippines, you must be informed about the time deposit interest rates offered by popular banks.

    How is Time Deposit Interest Rate Calculated?

    The interest earned on time deposits is based on several factors like the principal, tenure and interest rate. The interest rate for time deposits is calculated based on the following formula.

    Net Interest for time deposits = Principal * Interest Rate * (term/360) * (100 percent - tax rate)

    It is evident from the formula that you will earn higher interest if you invest a higher amount for a longer tenure. Most of the leading banks in the Philippines offer a facility where the principal plus time deposit interest is directly credited in the customer’s bank account after maturity.

    A lot of banks also offer higher interest rates for time deposits on periodic basis as promotional offers. Customers can benefit a lot from such promotions by earning a higher interest.

    Top Banks Time Deposit Interest Rates

    Interest rates for the leading banks in the Philippines are listed below.

    1. BDO Time Deposit
    2. Peso Time Deposit

      Range 30 Days 60 Days 90 Days 180 Days 360 Days
      1,000 to below 10,000 0.250% 0.250% 0.250% 0.500% 0.500%
      10,000 to below 50,000 0.250% 0.250% 0.250% 0.500% 0.500%
      50,000 to below 100,000 0.375% 0.375% 0.375% 0.625% 0.625%
      100,000 to below 200,000 0.500% 0.500% 0.500% 0.750% 0.750%
      200,000 to below 500,000 0.500% 0.500% 0.500% 0.750% 0.750%
      500,000 to below 1,000,000 0.625% 0.625% 0.625% 0.875% 0.875%
      1 Million to below 3 Million 0.750% 0.750% 0.750% 1.000% 1.000%
      3 Million to below 5 Million 0.750% 0.750% 0.750% 1.000% 1.000%
      5 Million to below 10 Million 0.875% 0.875% 0.875% 1.125% 1.125%
      10 Million to below 20 Million 0.875% 0.875% 0.875% 1.125% 1.125%
      20 Million and over 0.875% 0.875% 0.875% 1.125% 1.125%

      Dollar Time Deposit

      Range 30 days 60 days 90 days 180 days 360 days
      US$1,000 to below US$10,000 0.375% 0.375% 0.500% 0.625% 0.750%
      US$10,000 to below US$50,000 0.375% 0.375% 0.500% 0.750% 0.875%
      US$50,000 to below US$100,000 0.500% 0.500% 0.625% 0.875% 1.000%
      US$100,000 to below US$500,000 0.625% 0.625% 0.750% 1.000% 1.125%
      US$500,000 to below US$10 Million 0.625% 0.625% 0.750% 1.125% 1.250%
      US$10Million and ABOVE (Please call your prefered Branch) NA NA NA NA NA

      Dollar PRA (Philippine Retirement Authority) Time Deposit

      Interest Rate Per Annum:

      1 month 0.5%
      2 months 0.5%
      3 months 0.5%
      6 months 0.75%
      1 year 1.0%

      Two Year Dollar Time Deposit

      Interest Rate Per Annum 1.75%

      Three Year Dollar Time Deposit

      Interest Rate Per Annum 2%

      Five Year Dollar Time Deposit

      Interest Rate Per Annum 2.50%

    3. BPI Time Deposit Interest Rates
    4. Regular Time Deposit

      BPI Regular Time Deposit (Peso)

      Amount 35 Days 63 Days 91 Days 182 Days 364 Days
      1K to less than 10K NA NA NA NA NA
      10K to less than 50K NA NA NA NA NA
      50K to less than 100K 0.5000% 0.5000% 0.5000% 0.7500% 0.7500%
      100K to less than 500K 0.6250% 0.6250% 0.6250% 0.8750% 0.8750%
      500K to less than 1 MM 0.6250% 0.6250% 0.6250% 0.8750% 0.8750%
      1 MM to less than 5 MM 0.7500% 0.7500% 0.7500% 1.0000% 1.0000%
      5 MM and up 0.8750% 0.8750% 0.8750% 1.1250% 1.1250%

      BPI Family Savings Bank

      Amount 35 Days 63 Days 91 Days 182 Days 364 Days
      1K to less than 10K NA NA NA NA NA
      10K to less than 50K NA NA NA NA NA
      50K to less than 100K 0.7500% 0.7500% 0.7500% 1.0000% 1.0000%
      100K to less than 500K 0.8750% 0.8750% 0.8750% 1.1250% 1.1250%
      500K to less than 1 MM 0.8750% 0.8750% 0.8750% 1.1250% 1.1250%
      1 MM to less than 5 MM 1.0000% 1.0000% 1.0000% 1.2500% 1.2500%
      5 MM and up 1.1250% 1.1250% 1.1250% 1.3750% 1.3750%

      BPI Direct Savings Bank

      Peso TD 35 Days 63 Days 91 Days 182 Days 364 Days
      1K to less than 10K NA NA NA NA NA
      10K to less than 50K NA NA NA NA NA
      50K to less than 100K 0.8750% 0.8750% 0.8750% 1.0000% 1.0000%
      100K to less than 500K 1.0000% 1.0000% 1.0000% 1.1250% 1.12500%
      500K to less than 1 MM 1.0000% 1.0000% 1.0000% 1.1250% 1.1250%
      1 MM to less than 5 MM 1.1250% 1.1250% 1.1250% 1.2500% 1.2500%
      5 MM and up 1.2500% 1.2500% 1.2500% 1.3750% 1.3750%

      BFB Cash-A-Month

      Amount Rate
      50K - < 200K 0.0000%
      200K - < 500K 0.1250%
      500K - < 1.0M 0.2500%
      1.0M - < 5.00M 0.3750%
      5.0M - up 0.5000%

      Plan Ahead Time Deposit

      BPI Family Savings Bank

      Amount Interest Payment Option
      Monthly End of Term
      % %
      100K - up 3.25% %

      US Dollar Time Deposit Rates

      BPI Family Savings Bank

      Amount 35 Days 63 Days 91 Days 182 Days 364 Days 2 Years
      1K to less than 50K 0.5000% 0.5000% 0.7500% 1.0000% 1.0000% 1.0000%
      50K to less than 100K 0.6250% 0.6250% 0.8750% 1.1250% 1.1250% 1.1250%
      100K and above 0.7500% 0.7500% 1.0000% 1.2500% 1.2500% 1.2500%

      Auto Renew BPI Multi-Currency Time Deposit

      Australian Dollar (AUD)

      Amount 35 Days 63 Days 91 Days 182 Days 365 Days 2 Years
      1K to less than 10K 1.1250% 1.1250% 1.1250% 1.1250% 1.1250% 1.1250%
      10K to less than 50k 1.2500% 1.2500% 1.2500% 1.2500% 1.2500% 1.2500%
      50K to less than 100K 1.3750% 1.3750% 1.3750% 1.3750% 1.3750% 1.3750%
      100K and above 1.5000% 1.5000% 1.5000% 1.5000% 1.5000% 1.5000%

      British Pound (GBP)

      Amount 35 Days 63 Days 91 Days 182 Days 365 Days 2 Years
      1K to less than 10K 0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%
      10K to less than 50k 0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%
      50K to less than 100K 0.1250% 0.1250% 0.1250% 0.1250% 0.1250% 0.1250%
      100K and above 0.2500% 0.2500% 0.2500% 0.2500% 0.2500% 0.2500%

      Canadian Dollar (CAD)

      Amount 35 Days 63 Days 91 Days 182 Days 365 Days 2 Years
      1K to less than 10K 0.1250% 0.1750% 0.2000% 0.2000% 0.2000% 0.2000%
      10K to less than 50k 0.2500% 0.2750% 0.3000% 0.3000% 0.3000% 0.3000%
      50K to less than 100K 0.3750% 0.3750% 0.4000% 0.4000% 0.4000% 0.4000%
      100K and above 0.5000% 0.5000% 50.0000% 0.5000% 0.5000% 0.5000%

      Euro (EUR)

      Amount 35 Days 63 Days 91 Days 182 Days 365 Days 2 Years
      1K to less than 10K NA NA NA NA NA NA
      10K to less than 50k NA NA NA NA NA NA
      50K to less than 100K NA NA NA NA NA NA
      100K and above 0.0500% 0.1000% 0.1000% 0.1500% 0.2500% 0.2500%

      Hong Kong Dollar (HKD)

      Amount 35 Days 63 Days 91 Days 182 Days 365 Days 2 Years
      1K to less than 10K 0.0125% 0.0125% 0.0250% 0.1000% 0.1000% 0.1000%
      10K to less than 50k 0.0125% 0.0125% 0.0250% 0.1500% 0.1500% 0.1500%
      50K to less than 100K 0.0500% 0.0250% 0.0750% 0.2000% 0.2000% 0.2000%
      100K and above 0.1000% 0.1250% 0.1250% 0.2500% 0.2500% 0.2500%

      Chinese Yuan (CNY)

      Amount 35 Days 63 Days 91 Days 182 Days 365 Days 2 Years
      10K to less than 50K 0.1000% 0.1000% 0.1500% 0.1500% 0.2000% 0.2000%
      50K to less than 100k 0.1000% 0.1000% 0.1500% 0.1500% 0.2000% 0.2000%
      100K and above 0.1000% 0.1000% 0.1500% 0.1500% 0.2000% 0.2000%

    5. China Bank Time Deposit Interest Rates
    6. Peso Accounts

      Regular Time Deposit

      Amount (Peso) 3 months
      5,000 – 49,999 0.5750%
      50,000 – 299,999 0.7000%
      300,000 – 499,999 0.8750%
      500,000 – 999,999 0.9500%
      1,000,000 – 4,999,999 1.0750%
      5 Million & up 1.2000%

      DIAMOND SAVINGS ACCOUNT

      Amount 1 month 2 months
      50,000 to 299,999 0.3750% 0.5000%
      300,000 to 499,999 0.5000% 0.6250%
      500,000 to 999,999 0.6250% 0.7500%
      1,000,000 to 4,999,999 0.7500% 0.8750%
      5,000,000 & up 0.8750% 1.0000%

      Foreign Currency Time Deposit

      US Dollar Time Deposit

      Amount 1 month 2 months 3 months 6 Months
      $ 1,000 to 49,999 0.3750% 0.3750% 0.8750% 0.8750%
      $ 50,000 to 99,999 0.5000% 0.5000% 1.0000% 1.0000%
      $ 100,000 to 299,999 0.6250% 0.6250% 1.1250% 1.1250%
      $ 300,000 to 499,999 0.7500% 0.7500% 1.2500% 1.2500%
      $ 500,000 to 999,999 0.8750% 0.8750% 1.3750% 1.3750%
      $ 1,000,000 and up 1.0000% 1.0000% 1.5000% 1.5000%

      Euro Time Deposit

      Amount 1 month 2 months 3 months
      € 1,500 and up 0.13% 0.13% 0.13%

    7. CTBC Time Deposit Interest Rates
    8. Peso Time Deposit Rates

      Amount(Peso) 1-2 Months 3 Months 6 Months 1 Year
      1,000 to 49,999.99 0.300% 0.450% 0.550% 0.650%
      50,000 to 249,999.99 0.400% 0.550% 0.750% 0.850%
      250,000 to 499,999.99 0.550% 0.700% 0.850% 0.950%
      500,000 to 1,999,999.99 0.650% 0.800% 1.100% 1.100%
      2.0 Million to 4,999,999.99 0.750% 0.900% 1.150% 1.250%
      5.0 Million and up 0.750% 1.000% 1.250% 1.300%

      US Dollar Time Deposit Rates

      Amount(Dollar) 1-2 Months 3 Months 6 Months 1 Year
      1,000.00 - 9,999.99 0.400% 0.400% 0.400% 0.500%
      10,000.00 - 19,999.99 0.500% 0.500% 0.500% 0.750%
      20,000.00 - 49,999.99 0.500% 0.500% 0.500% 0.750%
      50,000.00 - 99,999.99 0.650% 0.650% 0.650% 1.000%
      100,000.00 and up 0.650% 0.750% 0.875% 1.250%

      DOLLAR INNOVATE 5-YEAR TIME DEPOSIT

      Tier Rate
      10,000 to 49,999.99 1.000%
      50,000 to 99,999.99 1.200%
      100,000 and up 1.400%

    9. DBP Time Deposit Interest Rates
    10. Regular Time Deposit

      Minimum Placement P10,000.00 / US$1,000.00
      Term 30-365 days
      Evidence of Deposit Certificate of Time Deposit
      Interest Rate Quoted by Treasury

      Wisdom Time Deposit

      Minimum Placement P50,000.00 / US$1,000.00
      Term 180-365 days
      Evidence of Deposit Certificate of Time Deposit
      Interest Rate Quoted by Treasury

      High Earner Time Deposit

      Minimum Placement P1-M / US$20,000.00
      Term 12, 18, 24 months
      Evidence of Deposit Certificate of Time Deposit
      Interest Rate Quoted by Treasury

    11. EastWest Bank Time Deposit Interest Rates
    12. PESO Time Deposit

      Minimum Initial Deposit: P 10,000.00
      Term: 30 - 360 days
      Interest Rate: Based on prevailing market rates
      Withholding tax: 20.00%

      DOLLAR Time Deposit

      Minimum Initial Deposit: $1,000.00
      Term: 30 - 360 days
      Interest Rate: Based on market rates
      Withholding tax: 7.50%

    13. Landbank Time Deposit Interest Rates
    14. Regular Peso Time Deposit

      Amount (P) 30-60 days 61-90 days 91-180 days 181-364 days
      1,000.00 - 49,999.99 0.2500% 0.3750% 0.3750% 0.5000%
      50,000.00 - 299,999.99 0.3750% 0.5000% 0.5000% 0.6250%
      300,000.00 - 499,999.99 0.5000% 0.6250% 0.6250% 0.7500%
      500,000.00 - 999,999.99 0.7500% 0.8750% 0.8750% 1.0000%
      1,000,000.00 and up 1.0000% 1.0000% 1.1250% 1.2500%

      DOLLAR Time Deposit

      Amount ($) 30-60 days 61-90 days 91-180 days 181-270 days 271-364 days
      1,000.00 - 9,999.99 0.3125% 0.3750% 0.5000% 0.6250% 0.7500%
      10,000.00 - 49,999.99 0.3750% 0.5000% 0.6250% 0.7500% 0.8750%
      50,000.00 - 99,999.99 0.5000% 0.6250% 0.7500% 0.8750% 1.0000%
      100,000.00 - below 5 MM 0.7500% 0.8750% 1.0000% 1.0000% 1.1250%

    15. Maybank Time Deposit Interest Rates
    16. Classic Time Deposit

      Amount 31 days 60-90 days 91-359 days
      25,000 - 49,999 0.750% 1.125% 1.250%
      50,000 - 999,000 0.875% 1.125% 1.250%
      1,000,000 - 4,999,999 1.000% 1.250% 1.375%
      5,000,000 & Above 1.125% 1.375% 1.500%

      ADDvantage Flex Time Deposit

      Period Interest Rate
      1 Year 1.750%
      2 Year 2.125%

      ADDvantage Advance Time Deposit

      ADDvantage Advance Time Deposit offers an interest rate of 1.75% per annum.

      ADDvantage 5-Year Time Deposit

      ADDvantage 5-Year Time Deposit offers an interest rate of 3.75% per annum.

      Flexi Rate Deposit

      Amount(Php) 31 -90 days 91-359 days
      25,000 – 299,999.99 0.750% 0.875%
      300,000 – 499,999.99 0.875% 1.000%
      500,000 – 999,999.99 1.000% 1.250%
      1,000,000 – 4,999,999.99 1.125% 1.500%
      5,000,000 and above 1.500% 1.750%

    17. Metrobank Time Deposit Interest Rates
    18. Peso Regular Time Deposit

      Amount(Peso) 1 day - 1 week 2 weeks 3 weeks 1 month 2 - 3 months 6 months - 1 year
      10,000 - 49999 - - - 0.2500% 0.2500% 0.5000%
      50,000 - 199999 - - - 0.2500% 0.5000% 0.7500%
      200,000 - 499999 - - - 0.3750% 0.6250% 0.8750%
      500,000 - 999999 - - - 0.5000% 0.7500% 1.0000%
      1,000,000 - 4999999 0.2500% 0.2500% 0.3750% 0.5000% 0.7500% 1.0000%
      5,000,000 - 9999999 0.2500% 0.2500% 0.3750% 0.6250% 0.8750% 1.1250%
      10,000,000 - 19999999 0.2500% 0.5000% 0.6250% 0.7500% 0.8750% 1.1250%
      20MM & UP 0.2500% 0.5000% 0.6250% 0.7500% 0.8750% 1.1250%

      Foreign Currency Regular Time Deposits

      Amount 1 week - 3 weeks 1 month 2 months 3 months 6 months 1 year
      USD
      1,000- 9,999 0.250% 0.250% 0.250% 0.250% 0.500% 0.750%
      10,000 - 49,999 0.250% 0.250% 0.250% 0.375% 0.750% 0.875%
      50,000 - 99,999 0.250% 0.250% 0.250% 0.500% 0.875% 1.000%
      100,000 - 499,999 0.250% 0.500% 0.500% 0.750% 1.125% 1.250%
      500,000 - 1,000,000 0.250% 0.750% 0.750% 1.000% 1.500% 1.625%
      GBP
      10,000 - 24,999 NA 0.250% 0.250% 0.375% 0.500% 0.625%
      25,000 - 49,999 NA 0.250% 0.250% 0.375% 0.625% 0.750%
      50,000 - 1,000,000 NA 0.375% 0.375% 0.500% 0.750% 0.875%
      EUR
      1,000 - 49,999 NA 0.00% 0.00% 0.050% 0.050% 0.050%
      50,000 - 99,999 NA 0.00% 0.00% 0.075% 0.075% 0.075%
      100,000 - 1,000,000 NA 0.00% 0.00% 0.100% 0.100% 0.100%
      JPY
      100,000 - 14,999,999 NA 0.00% 0.00% 0.005% 0.005% 0.005%
      15,000,000 - 50,000,000 NA 0.00% 0.00% 0.005% 0.005% 0.005%
      CHF
      30,000 - 59,999 NA 0.100% 0.100% 0.100% 0.125% 0.125%
      60,000 - 99,999 NA 0.100% 0.125% 0.125% 0.125% 0.250%
      100,000 - 1,000,000 NA 0.125% 0.125% 0.125% 0.250% 0.250%
      CNY
      7,000 - 99,999 NA 0.100% 0.125% 0.125% 0.250% 0.375%
      100,000 - 199,999 NA 0.125% 0.250% 0.250% 0.250% 0.375%
      200,000 - 1,000,000 NA 0.250% 0.250% 0.375% 0.375% 0.375%
      CAD
      5,000 - 19,999 NA 0.250% 0.250% 0.250% 0.250% 0.250%
      20,000 - 49,999 NA 0.250% 0.250% 0.375% 0.375% 0.375%
      50,000 - 1,000,000 NA 0.250% 0.250% 0.500% 0.500% 0.500%
      AUD
      1,000 - 49,999 NA 1.750% 1.875% 2.000% 2.250% 2.250%
      50,000 - 99,999 NA 1.875% 2.000% 2.125% 2.375% 2.375%
      100,000 - 1,000,000 NA 2.000% 2.125% 2.250% 2.500% 2.500%
      HKD
      30,000 - 99,999 NA 0.100% 0.100% 0.125% 0.125% 0.250%
      100,000 - 1,000,000 NA 0.100% 0.125% 0.125% 0.250% 0.250%
      SGD
      30,000 - 99,999 NA 0.050% 0.100% 0.125% 0.125% 0.200%
      100,000 - 1,000,000 NA 0.100% 0.100% 0.125% 0.200% 0.200%

    19. RCBC Time Deposit Interest Rates
    20. Peso Time Deposit

      Amount Days
      30 - 45 46 - 60 61 - 90 91 - 180 181 - 365
      5000 - 9999 0.375% 0.500% 0.625% 0.750% 0.750%
      10,000 - 39,999 0.500% 0.625% 0.750% 0.750% 0.875%
      40,000 - 5,000,000 0.625% 0.625% 0.750% 0.750% 1.000%
      Over 5,000,000 0.750% 0.750% 0.750% 0.750% 1.000%

      FCDU Time Deposit

      Dollar Time Deposit

      Amount Days
      30 - 45 46 - 89 90-179 180-269 270-359 1 Year
      1,000 – 10,999 0.2500% 0.2500% 0.2500% 0.3750% 0.5000% 0.6250%
      11,000 – 99,999 0.4375% 0.4375% 0.4375% 0.5000% 0.6250% 0.7500%
      100,000 – 499,999 0.5000% 0.5000% 0.5000% 0.6250% 0.7500% 0.8750%
      500000 -UP 0.5000% 0.5000% 0.6250% 0.7500% 0.8750% 1.0000%
      Amount Years
      2 Years 3 Years 4 Years 5 Years
      1,000 – Up 1.75% 2.00% 2.25% 2.50%

      Chinese Yuan Time Deposit

      Amount S/A Rate
      Below 7,000 0.0000%
      7,000 – 99,999 0.1250%
      100,000 – 499,999 0.2500%
      500,000 – 999,999 0.3750%
      1,000,000 – 4,999,999 0.5000%
      5,000,000 - above 0.6250%

      Other FCDU's Time Deposit Rates

      JPY 30Days JPY 100k – JPY 6.0 mio JPY 6.0 mio – JPY 12.5 mio Over 12.5 mio
      0.035% 0.040% 0.045%
      EUR 30 Days EUR 1k – EUR 50k In EUR 100k Over EUR 100k
      0.125% 0.125% 0.125%
      CAD 30 Days CAD 25k – CAD 140k CAD 141k – CAD 600k Over CAD 600k
      0.250% 0.250% 0.250%
      GBP 30 Days GBP 10k – GBP 55k GBP 270k Over GBP 270k
      0.250% 0.250% 0.250%
      CHF 30 Days CHF 25k- CHF 140k CHF 141k – CHF 700k Over CHF 700k
      0.050% 0.050% 0.050%
      AUD 30 Days AUD 25k – AUD 145k AUD 146k – AUD 675k Over AUD 675k
      1.500% 1.750% 1.750%

    21. Robinsons Bank Time Deposit Interest Rates
    22. Peso Certificate of Time Deposit

      Minimum placement PHP 1,000
      Transaction record Certificate of Time Deposit
      Interest rate per annum Prevailing market interest rate
      Interest crediting At maturity
      Withholding tax 20 percent

    23. Security Bank Time Deposit Interest Rates
    24. Features/Schemes Peso time deposit Investment savings Dollar time deposit Secure dollar optima
      Minimum Placement PHP 100,000 PHP 100,000 USD 1,000 USD 20,000
      Tenure 30, 60, 90, 180 days and 360 Days 30, 60, 90, 180 days and 360 Days 30, 60, 90, 180 days and 360 Days 1, 2 and 3 years
      Features Choice of placement terms For deposits above PHP 100,000 - better interest rates! Flexible terms and low requirements For tenures greater than 1 year, enjy higher interest
      Interest Rates Starts at 0.70% Starts at 0.70% Starts at 0.25% Starts at 1.80%

      Peso Time Deposit

      Range 1 - 6 Days 1 Week 2 Weeks 3 Weeks 1 Month 2 Months 3 Months 6 Months 12 Months
      PHP 100,000 - PHP 999,999 - - - - 0.70% 0.70% 0.70% 1.00% 1.20%
      PHP 1,000,000 - 2,999,999 0.40% 0.40% 0.60% 0.90% 0.90% 0.90% 1.00% 1.30% 1.70%
      PHP 3,000,000 and up 0.40% 0.40% 0.60% 0.90% 0.90% 1.00% 1.10% 1.40% 1.80%

      Investment Savings Time Deposit

      Range 1 - 6 Days 1 Week 2 Weeks 3 Weeks 1 Month 2 Months 3 Months 6 Months 12 Months
      PHP 100,000 - PHP 999,999 - - - - 0.70% 0.70% 0.70% 1.00% 1.20%
      PHP 1,000,000 - PHP 2,999,999 0.40% 0.40% 0.40% 0.60% 0.90% 0.90% 1.00% 1.30% 1.70%
      PHP 3,000,000 and up 0.40% 0.40% 0.40% 0.60% 0.90% 1.00% 1.10% 1.40% 1.80%

      Dollar Time Deposit

      Range 1 Month 2 Months 3 Months 6 Months 12 Months
      $1,000 - $4,999 0.25% 0.25% 0.30% 0.85% 0.95%
      $5,000 - $9,999 0.25% 0.25% 0.55% 1.10% 1.20%
      $10,000 - $49,999 0.30% 0.50% 0.80% 1.35% 1.45%
      $50,000 and up 0.80% 1.00% 1.30% 1.70% 1.80%

      3-Year Dollar Time Deposit

      Deposit Amount Rates
      USD 5,000 to USD 24,999 2.000%
      USD 25,000 to USD 99,999 2.250%
      USD 100,000 to USD 499,999 2.625%
      USD 500,000 and Above 2.750%

      Secure Dollar Optima TD

      Minimum Placement / Years 1 Year 2 Years 3 Years
      USD 20,000 1.80% 1.90% 2.00%

    25. Sterling Bank of Asia Time Deposit Interest Rates
    26. Prima Time Deposit Rates

      Time Deposit 1 Month 2-3 Months 4-6 Months 7-9 Months 10-12 Months
      1,000 - 99,999 0.750% 1.000% 1.000% 1.000% 1.125%
      100,000 - 499,999 0.875% 1.125% 1.125% 1.125% 1.250%
      500,000 - 1,999,999 1.500% 1.500% 1.500% 1.500% 1.625%
      2,000,000 - 4,999,999 1.625% 1.750% 1.750% 1.750% 1.875%
      5,000,000 and above 2.000% 2.000% 2.125% 2.250% 2.250%

      Solo Savings Plus

      Time Deposit 1 Month 2-3 Months 4-6 Months 7-9 Months 10-12 Months
      500,000 - 1,999,999 1.500% 1.625% 1.625% 1.625% 1.750%
      2,000,000 - 4,999,999 1.750% 1.875% 1.875% 1.875% 2.000%
      5,000,000 and above 2.000% 2.000% 2.250% 2.250% 2.250%

      Prima Dollar Time Deposit Rates

      Time Deposit 1 Month 2 Months 3-4 Months 5-6 Months 7-9 Months 10-12 Months
      1,000 - 9,999 0.625% 0.625% 0.750% 0.750% 1.000% 1.250%
      10,000 - 19,999 0.750% 0.750% 0.875% 0.875% 1.125% 1.250%
      20,000 - 49,999 0.875% 0.875% 1.000% 1.000% 1.250% 1.375%
      50,000 - 99,999 1.125% 1.125% 1.250% 1.250% 1.375% 1.500%
      100,000 and above 1.375% 1.375% 1.375% 1.375% 1.500% 1.500%

      Long Term Deposit

      Prima Plus

      Time Deposit 1 Year Fixed
      25,000 - 49,999 1.125%
      50,000 - 99,999 1.125%
      100,000 - 499,999 1.250%
      500,000 - 999,999 1.625%
      1,000,000 - 1,999,999 1.625%
      2,000,000 - 2,999,999 1.875%
      3,000,000 - 4,999,999 1.875%
      5,000,000 - 9,999,999 2.250%
      10,000,000 and above 2.250%

      Maxima 3 Long Term Deposits

      Time Deposit 3 Years Fixed
      25,000 - 49,999 2.250%
      50,000 - 99,999 2.500%
      100,000 - 249,999 2.625%
      250,000 - 499,999 2.750%
      500,000 - 999,999 2.875%
      1,000,000 - 2,499,999 3.050%
      2,500,000 - 4,999,999 3.125%
      5,000,000 and above 3.250%

      Maxima 5 Long Term Deposits

      Time Deposit Fixed
      25,000 - 49,999 2.375%
      50,000 - 99,999 2.625%
      100,000 - 249,999 2.750%
      250,000 - 499,999 2.875%
      500,000 - 999,999 3.000%
      1,000,000 - 2,499,999 3.125%
      2,500,000 - 4,999,999 3.375%
      5,000,000 and above 3.500%

    27. Union Bank Time Deposit Interest Rates
    28. Peso Time Deposit Rates

      Lot Size 50,000.00-299,999.99 300,000.00-999,999.99 1,000,000.00-1,999,999.99 2,000,000.00-2,999,999.99 3,000,000.00-4,999,999.99 5,000,000.00- OVR
      30-59 Days 0.6250 0.7500 1.0500 1.1500 1.2500 1.3750
      60-89 Days 0.6750 0.8000 1.1000 1.2000 1.3000 1.4250
      90-179 Days 0.7250 0.8500 1.1500 1.2500 1.3500 1.4750
      180-359 Days 0.8250 0.9500 1.2500 1.3500 1.4500 1.5750
      360-OVR 0.8750 1.0000 1.3000 1.4000 1.5000 1.6250

      US Dollar Time Deposit Rates

      Lot Size 30-59 Days 60-89 Days 90-179 Days 180-359 Days 360-OVR
      1,000.00-9,999.99 0.5000 0.6000 0.7000 0.7000 1.0000
      10,000.00-49,999.99 0.5000 0.6000 0.7000 0.7000 1.0000
      50,000.00-99,999.99 0.5000 0.6000 0.7000 0.7000 1.0000
      100,000.00-149,999.99 0.6000 0.7000 0.8000 0.8000 1.1000
      150,000.00-199,999.99 0.6000 0.7000 0.8000 0.8000 1.1000
      200,000.00- OVR 0.8000 0.9000 1.0000 1.0000 1.3000

    29. Philippine Veterans Bank Time Deposit Interest Rates
    30. Scheme Minimum Deposit Term Interest Rates
      Hyper Saver Time Deposit Php 100,000 5 years and 1 day 2.75% (monthly compounding of interest)
      Maxi-Return Time Deposit Php 100,000 5 years and 1 day 2.75% (monthly compounding of interest)
      Advantage Plus Time Deposit Php 100,000 5 years and 1 day 2.75% (straight line computation)

      The above tables will offer you an insight on the prevailing time deposits interest rates in the Philippines. As interest rates are subject to frequent change, do enquire with the concerned bank before applying for a time deposit scheme. Also, as promotional offers, select banks offer high interest rates for time deposits in the Philippines.

      Highest Time Deposit Rates

      You can get high interest rates for time deposits in the Philippines by choosing your tenure and placement amount carefully. Use an online Time Deposit interest calculator to help you with the math of how to get the best time deposit interest rates.

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