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.

  • -

    Peso Time Deposit

  • -

    Peso Time Deposit Rates

  • -

    US Dollar Time Deposit

  • -

    US Dollar Time Deposit Rates

  • -

    Other Foreign Currency Time Deposit

  • -

    Other Foreign Currency Time Deposit Rates

  • -

    2 3 4 Year Time Deposit

  • -

    5 Year Peso Time Deposit

    RCBC 5 Year Peso Time Deposit (Monthly Interest Crediting)

    Minimum Amount of Placement



    Term of Placement


    5 years + 1 day

    Interest Rate



    Amount Rate*
    100,000 to < 500,000 4%
    500,000 to < 1M 4%
    1M to < 2.5M 4%
    2.5M to < 5M 4%
    5M and up 4%
    *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



    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



    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%

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

Got Further Questions?

Our 24/7 Customer Care is ready to help
and answer any inquiries you may have

Banking Guidelines

More of the information that you'll need to
bank with us.

RCBC Cards

RCBC has credit and debit cards that gives you power over your spending
and provides you with peace of mind knowing that you can have funds when
you need and where you need it.

  • Debit Card
    Use your card to access your funds, purchase your everyday essentials, shop and more

  • Prepaid Card
    Giving you access to your money anytime and anywhere

  • Credit Card
    RCBC Bankard helps you enjoy a life of endless privileges