• 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 Interest Rates
    2. Peso Time Deposit Rates

      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 Rates

      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 Rates

      Interest Rate Per Annum 1.75%

      Three Year Dollar Time Deposit Rates

      Interest Rate Per Annum 2%

      Five Year Dollar Time Deposit Rates

      Interest Rate Per Annum 2.50%

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

      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 500K 0.6250% 0.62500% 0.62500% 0.87500% 0.87500%
      500K to less than 1 MM 0.62500% 0.62500% 0.62500% 0.87500% 0.87500%
      1 MM to less than 5 MM 0.75000% 0.75000% 0.75000% 1.00000% 1.00000%
      5 MM and up 0.87500% 0.87500% 0.87500% 1.12500% 1.12500%

      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 500K 0.87500% 0.87500% 0.87500% 1.12500% 1.12500%
      500K to less than 1 MM 0.87500% 0.87500% 0.87500% 1.12500% 1.12500%
      1 MM to less than 5 MM 1.00000% 1.00000% 1.00000% 1.25000% 1.25000%
      5 MM and up 1.12500% 1.12500% 1.12500% 1.37500% 1.37500%

      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 500K 1.00000% 1.00000% 1.00000% 1.12500% 1.12500%
      500K to less than 1 MM 1.00000% 1.00000% 1.00000% 1.12500% 1.12500%
      1 MM to less than 5 MM 1.12500% 1.12500% 1.12500% 1.25000% 1.25000%
      5 MM and up 1.25000% 1.25000% 1.25000% 1.37500% 1.37500%

      BFB Cash-A-Month

      Amount Rate
      50K - < 200K 0.000%
      200K - < 500K 0.125%
      500K - < 1.0M 0.250%
      1.0M - < 5.00M 0.375%
      5.0M - up 0.500%

      Plan Ahead Time Deposit Rates

      BPI Family Savings Bank

      Amount Interest Payment Option
      Monthly % End of Term
      100K and 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 0.2500% 0.2500% 0.2500% 0.2500% 0.2500% 0.2500%
      10K to less than 50k 0.2500% 0.2500% 0.2500% 0.2500% 0.2500% 0.2500%
      50K to less than 100K 0.2500% 0.2500% 0.2500% 0.2500% 0.2500% 0.2500%
      100K and above 0.2500v 0.2500% 0.2500% 0.2500% 0.2500% 0.2500%

      Euro (EUR)

      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 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000
      100K and above 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000

      Hong Kong Dollar (HKD)

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

      Japanese Yen (JPY)

      Amount 35 Days 63 Days 91 Days 182 Days
      1K to less than 10K 0.0000 0.0000 0.0000 0.0000
      10K to less than 50k 0.0000 0.0000 0.0000 0.0000
      50K to less than 100K 0.0000 0.0000 0.0000 0.0000
      100K and above 0.0000 0.0000 0.0000 0.0000

      Swiss Franc (CHF)

      Amount 35 Days 63 Days 91 Days 182 Days
      1K to less than 10K 0.0000 0.0000 0.0000 0.0000
      10K to less than 50k 0.0000 0.0000 0.0000 0.0000
      50K to less than 100K 0.0000 0.0000 0.0000 0.0000
      100K and above 0.0000 0.0000 0.0000 0.0000

      Chinese Yuan (CNY)

      Amount 35 Days 63 Days 91 Days 182 Days 365 Days 2 Years
      10K to less than 50K 0.1000% 0.10000% 0.15000% 0.15000% 0.20000% 0.20000%
      50K to less than 100k 0.10000% 0.10000% 0.15000% 0.15000% 0.20000% 0.20000%
      100K and above 0.10000% 0.10000% 0.15000% 0.15000% 0.20000% 0.20000%

    5. China Bank Time Deposit Interest Rates
    6. Regular Time Deposit Rates

      Amount (Peso) 3 months
      5,000 – 49,999 0.58%
      50,000 – 299,999 0.70%
      300,000 – 499,999 0.88%
      500,000 – 999,999 0.95%
      1,000,000 – 4,999,999 1.08%
      5 Million & up 1.20%

      Foreign Currency Time Deposit Rates

      US Dollar Time Deposit

      US Dollar TD: In percent per annum
      1 month 2 months 3 months 6 months
      $ 1,000 to 49,999 0.38% 0.38% 0.88% 0.88%
      $ 50,000 to 99,999 0.50% 0.50% 1.00% 1.00%
      $ 100,000 to 299,999 0.63% 0.63% 1.13% 1.13%
      $ 300,000 to 499,999 0.75% 0.75% 1.25% 1.25%
      $ 500,000 to 999,999 0.88% 0.88% 1.38% 1.38%
      $ 1,000,000 and up 1.00% 1.00% 1.50% 1.50%

      Euro Time Deposit

      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 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 Five-Year Time Deposit Rates

      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 Rates

      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 Rates

      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 Rates

      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 Rates

      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 Rates

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

    13. Equicom Savings Bank Time Deposit Interest Rates
    14. Peso Time Deposit Rates

      Minimum Initial Deposit PhP 10,000.00
      Term 30, 60, 90, 180, and 180 days
      Maintaining Balance PhP 10,000.00
      Interest Rate Per Annum Based on prevailing market rate

      Peso Five Years’ Time deposit Rates

      Minimum Initial Deposit PhP 50,000.00
      Term 5 Years Plus One Day
      Maintaining Balance PhP 50,000.00
      Interest Rate Per Annum Based on prevailing market rate

      Dollar Time Deposit Rates

      Minimum Initial Deposit USD 1,000.00
      Term 30, 60, 90, 180, and 180 days
      Maintaining Balance USD 1,000.00
      Interest Rate Per Annum Based on prevailing market rate

    15. Landbank Time Deposit Interest Rates
    16. Regular Peso Time Deposit Rates

      Amount (P) 30-60 days 61-90 days 91-180 days 181-364 days
      1,000.00 - 49,999.99 0.250% 0.375% 0.375% 0.500%
      50,000.00 - 299,999.99 0.375% 0.500% 0.500% 0.625%
      300,000.00 - 499,999.99 0.500% 0.625% 0.625% 0.750%
      500,000.00 - 999,999.99 0.750% 0.875% 0.875% 1.000%
      1,000,000.00 and up 1.000% 1.000% 1.125% 1.250%

      Dollar Time Deposit Rates

      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%

    17. Maybank Time Deposit Interest Rates
    18. Classic Time Deposit Rates

      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 Rates

      Period Interest Rate
      1 Year 1.750%
      2 Year 2.125

      ADDvantage Advance Time Deposit Rates

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

      ADDvantage 5-Year Time Deposit Rates

      ADDvantage 5-Year Time Deposit offers an interest rate of 4.00% per annum.

      Flexi Rate Deposit Rates

      Amount of placement 31-90 days 91-359 days
      Php 25,000 – 299,999.99 0.7500% 0.8750%
      Php 300,000 – 499,999.99 0.8750% 1.0000%
      Php 500,000 – 999,999.99 1.0000% 1.2500%
      Php 1,000,000 – 4,999,999.99 1.1250% 1.5000%
      Php 5,000,000 and above 1.500% 1.750%

    19. Metrobank Time Deposit Interest Rates
    20. Peso Regular Time Deposit Rates

      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 Rates

      Amount 1 week - 3 weeks 1 month 2 months 3 months 6 months 1 year
      USD
      1,000- 9,999 0.2500% 0.2500% 0.2500% 0.2500% 0.5000% 0.7500%
      10,000 - 49,999 0.2500% 0.2500% 0.2500% 0.3750% 0.7500% 0.8750%
      50,000 - 99,999 0.2500% 0.2500% 0.2500% 0.5000% 0.8750% 1.0000%
      100,000 - 499,999 0.2500% 0.5000% 0.5000% 0.7500% 1.1250% 1.2500%
      500,000 - 1,000,000 0.2500% 0.7500% 0.7500% 1.0000% 1.5000% 1.6250%
      GBP
      10,000 - 24,999 NA 0.2500% 0.2500% 0.3750% 0.5000% 0.6250%
      25,000 - 49,999 NA 0.2500% 0.2500% 0.3750% 0.6250% 0.7500%
      50,000 - 1,000,000 NA 0.3750% 0.3750% 0.5000% 0.7500% 0.8750%
      EUR
      1,000 - 49,999 NA 0.0000% 0.0000% 0.0500% 0.0500% 0.0500%
      50,000 - 99,999 NA 0.0000% 0.0000% 0.0750% 0.0750% 0.0750%
      100,000 - 1,000,000 NA 0.0000% 0.0000% 0.1000% 0.1000% 0.1000%
      JPY
      100,000 - 14,999,999 NA 0.0000% 0.0000% 0.0050% 0.0050% 0.0050%
      15,000,000 - 50,000,000 NA 0.0000% 0.0000% 0.0050% 0.0050% 0.0050%
      CHF
      30,000 - 59,999 NA 0.1000% 0.1000% 0.1000% 0.1250% 0.1250%
      60,000 - 99,999 NA 0.1000% 0.1250% 0.1250% 0.1250% 0.2500%
      100,000 - 1,000,000 NA 0.1250% 0.1250% 0.1250% 0.2500% 0.2500%
      CNY
      7,000 - 99,999 NA 0.1000% 0.1250% 0.1250% 0.2500% 0.3750%
      100,000 - 199,999 NA 0.1250% 0.2500% 0.2500% 0.2500% 0.3750%
      200,000 - 1,000,000 NA 0.2500% 0.2500% 0.3750% 0.3750% 0.3750%
      CAD
      5,000 - 19,999 NA 0.2500% 0.2500% 0.2500% 0.2500% 0.2500%
      20,000 - 49,999 NA 0.2500% 0.2500% 0.3750% 0.3750% 0.3750%
      50,000 - 1,000,000 NA 0.2500% 0.2500% 0.5000% 0.5000% 0.5000%
      AUD
      1,000 - 49,999 NA 1.7500% 1.8750% 2.0000% 2.2500% 2.2500%
      50,000 - 99,999 NA 1.8750% 2.0000% 2.1250% 2.3750% 2.3750%
      100,000 - 1,000,000 NA 2.0000% 2.1250% 2.2500% 2.5000% 2.5000%
      HKD
      30,000 - 99,999 NA 0.1000% 0.1000% 0.1250% 0.1250% 0.2500%
      100,000 - 1,000,000 NA 0.1000% 0.1250% 0.1250% 0.2500% 0.2500%
      SGD
      30,000 - 99,999 NA 0.0500% 0.1000% 0.1250% 0.1250% 0.2000%
      100,000 - 1,000,000 NA 0.1000% 0.1000% 0.1250% 0.2000% 0.2000%

    21. PNB Time Deposit Interest Rates
    22. PRODUCT Account Document Initial Deposit Term Interest Rate Interest Payment
      Regular Time Deposit Certificate of Time Deposit P10,000 30-360 days As quoted by Treasury Maturity
      EURO TIME DEPOSIT Certificate of Time Deposit € 1,500 1, 2, 3, 4, 5, 6, 9 & 12 months As quoted by Treasury Maturity

    23. RCBC Time Deposit Interest Rates
    24. Peso Time Deposit Rates

      Amount Days
      30 - 45 46 - 89 90 - 179 180 - 269 270 - 359 1 year
      1,000 - 10,999 0.5000% 0.5000% 0.5000% 0.6250% 0.8750% NA
      11,000 - 99,999 0.6875% 0.6875% 0.6875% 0.7500% 0.8750% 1.0000%
      100,000 - 499,999 0.7500% 0.7500% 0.7500% 0.8750% 1.1250% NA
      5,000,000 - UP 0.7500% 0.7500% 0.8750% 1.0000% 1.1250% 1.1200%

      2 year, 3 year, 4 year Peso Time Deposit Rates

      Tiers Term
      2 Years 3 Years 4 Years
      100,000 < 500,000 1.525% 1.900% 2.300%
      500,000 < 1,000,000 1.665% 1.990% 2.380%
      1,000,000 - 2,500,000 1.700% 2.013% 2.400%
      2,500,000 - 5,000,000 1.840% 2.103% 2.480%
      5,000,000 above 1.875% 2.125% 2.500%

      FCDU Time Deposit

      Dollar Time Deposit Rates

      Amount Days
      30 - 45 46 - 89 90 - 179 180 - 269 270 - 359 1 year
      1,000 - 10,999 0.25% 0.25% 0.25% 0.38% 0.50% 0.63%
      11,000 - 99,999 0.44% 0.44% 0.44% 0.50% 0.63% 0.75%
      100,000 - 499,999 0.50% 0.50% 0.50% 0.63% 0.75% 0.88%
      500,000 - UP 0.50% 0.50% 0.63% 0.75% 0.88% 1.00%
      Amount Years
      2 Years 3 Years 4 Years 5 Years
      1,000 - UP 1.75% 2.00% 2.25% 2.50%

      Other FCDU's Time Deposit Rates

      JPY 30 Days JPY 100 k - JPY 6.0 mio JPY 6.0 mio - JPY 12.50 mio OVER JPY 12.50 mio
      0.04% 0.04% 0.05%
      EUR 30 Days EUR 1 k - EUR 50 k in EUR 100 k OVER EUR 100 k
      0.13% 0.13% 0.13%
      CAD 30 Days CAD 25 k - CAD 140 k CAD 141 k - CAD 600 k OVER CAD 600 k
      0.25% 0.25% 0.25%
      GBP 30 Days GBP 10 k - GBP 55 k GBP 270 k OVER GBP 270 k
      0.25% 0.25% 0.25%
      CHF 30 Days CHF 25 k - GBP 140 k GBP 141 k - 700 k OVER CHF 700 k
      0.05% 0.05% 0.05%
      AUD 30 Days AUD 25 k - AUD 145 k AUD 146 k - 675 k OVER AUD 675 k
      1.50% 1.75% 1.75%

    25. Robinson Bank Time Deposit Interest Rates
    26. Peso Certificate of Time Deposit Rates

      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%
      Documentary stamps Free for placement of 5 years and above

      Foreign Currency Certificate of Time Deposit

        USD EUR JPY
      Opening and Maintaining Balance 1000 1000 1,00,000.00
      Transaction record Certificate of Time Deposit
      Interest rate per annum Prevailing market interest rate
      Interest crediting At maturity
      Withholding tax 7.5%

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

      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 - - - - 0.88% 1.03% 1.13% 1.33% 1.53%
      PHP 1,000,000 - 2,999,999 0.30% 0.63% 0.75% 1.00% 1.15% 1.25% 1.45% 1.65% 1.78%
      PHP 3,000,000 - 4,999,999 0.30% 0.63% 0.75% 1.00% 1.13% 1.28% 1.38% 1.58% 1.78%
      PHP 5,000,000 and up 0.30% 0.63% 0.75% 1.00% 1.25% 1.40% 1.50% 1.70% 1.90%

      Dollar Time Deposit Rates

      Range 1 Month 2 Months 3 Months 6 Months 12 Months
      $1,000 - $4,999 0.30% 0.50% 0.88% 1.25% 1.33%
      $5,000 - $9,999 0.30% 0.50% 0.88% 1.25% 1.33%
      $10,000 - $49,999 0.55% 0.75% 1.25% 1.65% 1.75%
      $50,000 and up 0.80% 1.00% 1.50% 1.90% 2.00%

    29. Sterling Bank of Asia Time Deposit Interest Rates
    30. Prima Time Deposits Rates

      Amount Number of Months
      1 2-3 4-6 7-9 10-12
      1,000 - 99,999 1.0000% 1.2500% 1.3750% 1.3750% 1.3750%
      100,000 - 499,999 1.1250% 1.3750% 1.3750% 1.3750% 1.5000%
      500,000 - 1,999,999 1.7500% 1.7500% 1.7500% 1.7500% 1.8750%
      2,000,000 - 4,999,999 1.8750% 2.0000% 2.0000% 2.0000% 2.1250%
      5,000,000 and above 2.2500% 2.2500% 2.3750% 2.5000% 2.5000%

      Solo Savings Plus

      Amount Number of Months
      1 2-3 4-6 7-9 10-12
      500,000 - 1,999,999 1.750% 1.750% 1.750% 1.750% 1.875%
      2,000,000 - 4,999,999 1.875% 2.000% 2.000% 2.000% 2.125%
      5,000,000 and above 2.250% 2.250% 2.375% 2.500% 2.500%

      Prima Dollar Time Deposits Rates

      Amount Number of Months
      1 2 3-4 5-6 7-9 10-12
      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

      Amount 1 Year Fixed
      25,000 - 49,999 1.375%
      50,000 - 99,999 1.375%
      100,000 - 499,999 1.500%
      500,000 - 999,999 1.875%
      1,000,000 - 1,999,999 1.875%
      2,000,000 - 2,999,999 2.125%
      3,000,000 - 4,999,999 2.125%
      5,000,000 - 9,999,999 2.500%
      10,000,000 and above 2.500%

      Maxima 3 Long Term Deposits

      Amount 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

      Amount 3 Years 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%

    31. Union Bank Time Deposit Interest Rates
    32. 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 0.6250% 0.7500% 1.0500% 1.1500% 1.2500% 1.3750%
      60-89 0.6750% 0.8000% 1.1000% 1.2000% 1.3000% 1.4250%
      90-179 0.7250% 0.8500% 1.1500% 1.2500% 1.3500% 1.4750%
      180-359 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 D 60-89 D 90-179 D 180-359 D 360-OVR
      1,000.00-9,999.99 0.500% 0.600% 0.700% 0.700% 1.000%
      10,000.00-49,999.99 0.500% 0.600% 0.700% 0.700% 1.000%
      50,000.00-99,999.99 0.500% 0.600% 0.700% 0.700% 1.000%
      100,000.00-149,999.99 0.600% 0.700% 0.800% 0.800% 1.100%
      150,000.00-199,999.99 0.600% 0.700% 0.800% 0.800% 1.100%
      200,000.00- OVR 0.800% 0.900% 1.000% 1.000% 1.300%

    33. Philippine Veterans Bank Time Deposit Interest Rates
    34. 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.

  • Contact Us on Mail
    Facebook
    reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.