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  Peso Time Deposit

  
  

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  Peso Time Deposit Rates

  Amount			Tenor Days
  			30-45	46-60	61-90	91-180	181-364	1 Year
  5,000.00	-	9,999.99	0.375%	0.500%	0.625%	0.750%	0.750%	1.375%
  10,000.00	-	39,999.99	0.500%	0.625%	0.750%	0.750%	0.875%	1.375%
  40,000.00	-	99,999.99	1.125%	1.125%	1.250%	1.250%	1.500%	1.875%
  100,000.00	-	499,999.99	1.125%	1.125%	1.250%	1.250%	1.500%	1.875%
  500,000.00	-	999,999.99	1.375%	1.375%	1.500%	1.625%	1.750%	2.000%
  1,000,000.00	-	2,499,999.99	1.500%	1.500%	1.625%	1.625%	1.875%	2.125%
  2,500,000.00	-	5,000,000.00	1.500%	1.500%	1.625%	1.625%	1.875%	2.125%
  Over 5,000,000.00			1.625%	1.625%	1.750%	1.750%	2.000%	2.375%
  Over 10,000,000.00			1.625%	1.625%	1.750%	1.750%	2.000%	2.375%

  
  

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  US Dollar Time Deposit

  

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  US Dollar Time Deposit Rates

  Amount			Tenor Days
  			30-45	46-89	90-179	180-364	270-359	1 Year
  1,000.00	-	10,999.99	1.000%	1.000%	1.250%	1.375%	1.500%	1.625%
  11,000.00	-	39,999.99	1.250%	1.250%	1.500%	1.500%	1.625%	1.750%
  100,000.00	-	499,999.99	1.250%	1.375%	1.500%	1.625%	1.750%	2.000%
  500,000.00 and up			1.250%	1.375%	1.625%	1.750%	1.875%	2.250%

  
  

  Amount			Tenor Days
  			2 Years	3 Years	4 Years	5 Years
  1,000.00	-	10,999.99	2.000%	2.250%	2.500%	2.750%
  11,000.00	-	39,999.99	2.000%	2.250%	2.500%	2.750%
  100,000.00	-	499,999.99	2.125%	2.375%	2.625%	2.875%
  500,000.00 and up			2.250%	2.500%	2.750%	3.000%

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  Other Foreign Currency Time Deposit

  

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  Other Foreign Currency Time Deposit Rates

  

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  2 3 4 Year Time Deposit

  Amount			Tenor Days
  			2 Years	3 Years	4 Years
  100,000.00	-	499,999.99	2.025%	2.400%	2.675%
  500,000.00	-	999,999.99	2.165%	2.490%	2.755%
  1,000,000.00	-	2,499,999.99	2.200%	2.513%	2.775%
  2,500,000.00	-	5,000,000.00	2.340%	2.603%	2.855%
  Over 5,000,000.00			2.375%	2.625%	2.875%

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  5 Year Peso Time Deposit

  RCBC 5 Year Peso Time Deposit (Monthly Interest Crediting)

  Minimum Amount of Placement	:	P100,000
  Term of Placement	:	5 years + 1 day

  
  

  Amount	Rate*
  100,000 to < 500,000	3.00%
  500,000 to < 1M	3.13%
  1M to < 2.5M	3.25%
  2.5M to < 5M	3.38%
  5M and up	3.50%

  _{*Interest rates are subject to change without prior notice.}

  
  

  Acceptable Forms of Placement	:	Checks (On-Us, Local, Regional, MC) Debit from CASA
  Interest Payment Crediting	:	Monthly
  Withholding Tax	:	For Individual Accounts Interest earned shall be exempted from 20% withholding tax if TD is maintained more than 5 years
  Documentary Tax	:	To be shouldered by the bank if TD is maintained until maturity otherwise DST shall be shouldered by the client if pre-terminated
  Settlement Account	:	Checking Account or Savings Account
  Acceptable forms of payment of Proceeds	:	Credit to Checking Account or Savings Account

  
  

  Pre-Termination Rate

  a. Pre-termination within 1st half of term	:	Agreed Interest Rate x 25%
  b. Pre-termination within 2nd half of term	:	Agreed Interest Rate x 50%

  
  

  Interest = Principal x Pre-Term Rate x Days Lapsed / 365 days* (366 days for leap year)

  
  

  Applicable Withholding Tax Rates for Pre-Terminated TD Individual Accounts If TD is pre-terminated in:

  - 4yrs to less than 5 yrs + 1 day	=	5%
  - 3yrs to less than 4yrs	=	12%
  - Less than 3 yrs = 20%	=	20%

  
  

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PDIC Disclaimer *Foreign Currency Time Deposits are available in selected branches only