Increase Your Earnings with RCBC Time Deposit!

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

  • PHP Time Deposit

    • 30 Days to 1 Year
    • 0.250% - 0.875%

    • PHP 5,000

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    • 2 Years to 4 Years
    • 1.125% - 1.750%

    • PHP 100,000

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    • 5 Years + 1 day
    • 1.875% - 2.125%

    • PHP 100,000

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  • USD Time Deposit

    • 30 Days to 5 Years

    • 0.125% - 1.750%

    • USD 1,000

    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% 0.375% 0.500% 0.500% 0.500%
40,000 - 499,999 0.375% 0.375% 0.500% 0.500% 0.500% 0.500%
500,000 - 999,000 0.500% 0.500% 0.625% 0.750% 0.750% 0.750%
1,000,000 - 4,999,999 0.625% 0.625% 0.625% 0.750% 0.875% 0.875%
5,000,000 - 9,999,999 0.625% 0.625% 0.625% 0.750% 0.875% 0.875%
10,000,000 & UP 0.625% 0.625% 0.625% 0.750% 0.875% 0.875%

Disclaimer: Interest rates may change without prior notice.

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 - 999,999  1.125% 1.250% 1.500%
1,000,000 & UP 1.375% 1.500% 1.750%

Disclaimer: Interest rates may change without prior notice.

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 - 999,999  1.875%
1,000,000 & UP 2.125%

Disclaimer: Interest rates may change without prior notice.

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 5 Years
  • Minimum Placement

  • Minimum Term

  • Interest Rate

  • Fund Access

  • Transaction Record

Amount Tenure Days
  30-269 days 270 days to 1 yr 2 yrs 3 yrs 4 yrs 5 yrs
1,000 - 99,999 0.125% 0.250% 0.625% 0.875% 1.125% 1.625%
100,000 & UP 0.125% 0.250% 0.750% 1.000% 1.250% 1.750%

Disclaimer: Interest rates may change without prior notice.

Calculate your savings

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

Net Interest:
Total Savings:

Personal Banking Guidelines

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

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