Increase Your Earnings with RCBC Time Deposit!

RCBC's Time Deposit rewards your patience by giving you a investment option that gives you more return the longer you save.

  • PHP Time Deposit

    • 30 Days to 1 Year
    • 0.250% - 0.750%

    • PHP 5,000

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    • 2 Years to 4 Years
    • 0.875% - 1.625%

    • PHP 100,000

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    • 5 Years + 1 day
    • 1.750% - 2.000%

    • PHP 100,000

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  • USD Time Deposit

    • 30 Days to 1 Year

    • 0.250% - 1.375%

    • USD 1,000

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    • 2 Years to 5 Years

    • 1.875% - 2.500%

    • USD 1,000

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  • Peso Green Time Deposit

    • 30 days to 1 Year

    • 0.500% - 1.000%

    • PHP 5,000

    Learn More

PHP Time Deposit

30 Days to 1 Year
  • Minimum Placement

  • Minimum Term

  • Interest Rate

  • Fund Access

  • Transaction Record

Amount Tenure Days
  30-45 46-60 61-90 91-180 181-364 1 year
5,000 - 39,999  0.250% 0.250% 0.250% 0.375% 0.375% 0.500%
40,000 - 499,999 0.250% 0.250% 0.250% 0.375% 0.375% 0.500%
500,000 - 999,000 0.375% 0.375% 0.375% 0.500% 0.500% 0.625%
1,000,000 - 4,999,999 0.375% 0.375% 0.375% 0.500% 0.500% 0.625%
5,000,000 - 9,999,999 0.500% 0.500% 0.500% 0.625% 0.625% 0.750%
10,000,000 & UP 0.500% 0.500% 0.500% 0.625% 0.625% 0.750%

Disclaimer: Rates are indicative and subject to change without prior notice. Please confirm with your branch when making placements.

Calculate your savings

Click on the applicable interest rate in the table to calculate your savings.

Net Interest:
Total Savings:

PHP Time Deposit

2 Years to 4 Years
  • Minimum Placement

  • Minimum Term

  • Interest Rate

  • Fund Access

  • Transaction Record

Amount Tenure Days
  2 yrs 3 yrs 4 yrs
100,000 - 499,999  0.875% 1.125% 1.375%
500,000 - 4,999,999 1.000% 1.250% 1.500%
5,000,000 & UP 1.125% 1.375% 1.625%

Disclaimer: Rates are indicative and subject to change without prior notice. Please confirm with your branch when making placements.

Calculate your savings

Click on the applicable interest rate in the table to calculate your savings.

Net Interest:
Total Savings:

PHP Time Deposit

5 Years + 1 day
  • Minimum Placement

  • Minimum Term

  • Interest Rate

  • Fund Access

  • Transaction Record

Amount Tenure Days
  5 yrs + 1 day
100,000 - 499,999  1.750%
500,000 - 4,999,999 1.875%
5,000,000 & UP 2.000%

Disclaimer: Rates are indicative and subject to change without prior notice. Please confirm with your branch when making placements.

Calculate your savings

Click on the applicable interest rate in the table to calculate your savings.

Net Interest:
Total Savings:

USD Time Deposit

30 Days to 1 Year
  • Minimum Placement

  • Minimum Term

  • Interest Rate

  • Fund Access

  • Transaction Record

  Tenure Days
Amount 30-46 days 46-89 days 90-179 days 180-359 days 1 yr
1,000 - 10,999 0.250% 0.375% 0.750% 1.000% 1.125%
11,000 - 99,999 0.250% 0.375% 0.750% 1.000% 1.125%
100,000 - 499,999 0.375% 0.500% 0.875% 1.125% 1.250%
500,000 & UP 0.500% 0.625% 1.000% 1.250% 1.375%

Disclaimer: Rates are indicative and subject to change without prior notice. Please confirm with your branch when making placements.

Calculate your savings

Click on the applicable interest rate in the table to calculate your savings.

Net Interest:
Total Savings:

USD Time Deposit

2 Years to 5 Years
  • Minimum Placement

  • Minimum Term

  • Interest Rate

  • Fund Access

  • Transaction Record

  Tenure Days
Amount 2 yrs 3 yrs 4 yrs 5 yrs
1,000 - 10,999 1.875% 2.000% 2.125% 2.250%
11,000 - 99,999 1.875% 2.000% 2.125% 2.250%
100,000 - 499,999 2.000% 2.125% 2.250% 2.375%
500,000 & UP 2.125% 2.250% 2.375% 2.500%

 

Disclaimer: Rates are indicative and subject to change without prior notice. Please confirm with your branch when making placements.

Calculate your savings

Click on the applicable interest rate in the table to calculate your savings.

Net Interest:
Total Savings:

Peso Green Time Deposit

30 days to 1 Year
  • Minimum Placement

  • Minimum Term

  • Interest Rate

  • Fund Access

  • Transaction Record

Amount Tenure Days
  30-45 46-60 61-90 91-180 181-364 1 year
5,000 - 499,999  0.500% 0.500% 0.500% 0.625% 0.625% 0.750%
500,000 - 4,999,999 0.625% 0.625% 0.625% 0.750% 0.750% 0.875%
5,000,000 0.750% 0.750% 0.750% 0.875% 0.875% 1.000%

Disclaimer: Rates are indicative and subject to change without prior notice. Please confirm with your branch when making placements.

Calculate your savings

Click on the applicable interest rate in the table to calculate your savings.

Net Interest:
Total Savings:

Frequently Asked Questions - Peso Green Time Deposit

  • Will my Hexagon Club add-on rates be applied on top of the given rates?

    Unfortunately, Hexagon Club add-on rates are not applicable for this product.

  • Will it always be labelled as a green product?

    If on the date of deposit there are no more qualified green assets to reference against your time deposit, your branch of account will reach out and advise you that your time deposit cannot be labelled green and will direct you to alternative investments.

    You may also visit Peso Green Time Deposit for more details.

  • What is meant by RCBC's Sustainable Finance Framework?

    RCBC’s Sustainable Finance Framework of April 2019 articulates the Bank’s strategy to prioritize fund raising and lending to sectors whose activities have clear environmental and social benefits. RCBC obtained a Second Party Opinion (SPO) from Sustainalytics. In its SPO, Sustainalytics declared that RCBC's Sustainable Finance Framework is “credible and impactful”, citing alignment with core components of global sustainability bond standards: the Social Bond Principles, Green Bond Principles, Sustainability Bond Guidelines, Green Loan Principles, ASEAN Social Bond Standards, ASEAN Green Bond Standard and ASEAN Sustainability Bond Standards. Visit the RCBC Sustainability Page and download a copy of RCBC's Sustainable Finance Framework.

  • What is Sustainalytics?

    Sustainalytics is a leading independent ESG and corporate governance research, ratings and analytics firm that support investors around the world with the development and implementation of responsible investment strategies. With 13 offices globally, the firm partners with institutional investors who integrate ESG information and assessments into their investment processes. Spanning 30 countries, the world’s leading issuers, from multinational corporations to financial institutions to governments, turn to Sustainalytics for second-party opinions on green and sustainable bond frameworks. Sustainalytics has been certified by the Climate Bonds Standard Board as a verifier organization, and supports various stakeholders in the development and verification of their frameworks. Visit RCBC Sustainability Page and download a copy of the assessment of Sustainalytics on RCBC's Sustainable Finance Framework.

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