Time Deposit

RCBC’s Time Deposit products rewards your patience by giving you a risk-free investment option that gives you more in return the longer you save.

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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 0.500% 0.625% 0.750% 0.875% 0.875% 1.625%
    10,000.00 - 39,999.99 0.625% 0.750% 0.875% 1.000% 1.125% 1.750%
    40,000.00 - 499,999.99 1.500% 1.500% 1.625% 1.750% 2.000% 2.375%
    500,000.00 - 999,999.99 1.750% 1.875% 2.000% 2.125% 2.250% 2.500%
    1,000,000.00 - 4,999,999.99 1.875% 2.000% 2.125% 2.250% 2.500% 2.625%
    Over 5,000,000.00 2.125% 2.125% 2.250% 2.375% 2.500% 2.625%
    Over 10,000,000.00 2.125% 2.250% 2.375% 2.375% 2.500% 2.625%

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    US Dollar Time Deposit
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    US Dollar Time Deposit Rates
    Amount Tenor Days
    30-45 46-89 90-179 180-269 270-359
    1,000.00 - 10,999.99 1.000% 1.000% 1.500% 1.500% 1.625%
    11,000.00 - 99,999.99 1.250% 1.250% 1.625% 1.625% 1.750%
    100,000.00 - 499,999.99 1.600% 1.750% 1.875% 1.875% 2.000%
    500,000.00 and up 1.600% 1.750% 1.875% 1.875% 2.000%

    Amount Tenor Days
    1 Year 2 Years 3 Years 4 Years 5 Years
    1,000.00 - 10,999.99 1.625% 1.625% 1.750% 1.875% 1.875%
    11,000.00 - 99,999.99 1.750% 1.750% 1.875% 2.000% 2.000%
    100,000.00 - 499,999.99 2.000% 2.000% 2.125% 2.250% 2.250%
    500,000.00 and up 2.000% 2.000% 2.125% 2.250% 2.250%
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    Other Foreign Currency Time Deposit
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    2 3 4 5 Year Time Deposit
    Amount Tenor Days
    2 Years 3 Years 4 Years 5 Years + 1 day
    100,000.00 - 499,999.99 2.625% 2.875% 3.125% 3.625%
    500,000.00 - 999,999.99 2.750% 3.000% 3.250% 3.750%
    1,000,000.00 - 2,499,999.99 2.875% 3.125% 3.375% 3.875%
    2,500,000.00 - 4,999,999.99 2.875% 3.125% 3.375% 3.875%
    Over 5,000,000.00 3.000% 3.250% 3.500% 4.000%
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PDIC Disclaimer *Foreign Currency Time Deposits are available in selected branches only

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