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% - 0.750%

    • PHP 5,000

    Learn More
    • 2 Years to 4 Years

    • 0.875% - 1.625%

    • PHP 100,000

    Learn More
    • 5 Years + 1 day

    • 1.750% - 2.000%

    • PHP 100,000

    Learn More

  • 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% 0.250% 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:
  Back to Time Deposit

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:
  Back to Time Deposit

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:
  Back to Time Deposit

USD Time Deposit

30 Days to 5 Years

  • Minimum Placement

  • Minimum Term

  • Interest Rate

  • Fund Access

  • Transaction Record

Amount Tenure Days
  30-89 days 90 days to 1 yr 2 yrs 3 yrs 4 yrs 5 yrs
1,000 - 99,999 0.125% 0.125% 0.625% 0.875% 1.125% 1.625%
100,000 & UP 0.125% 0.125% 0.750% 1.000% 1.250% 1.750%

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:
  Back to Time Deposit

Personal Banking Guidelines

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

Banking Fees and Charges Banking Requirements Terms & Conditions
shutterstock1444864490-Banner-3

Ready to open a time deposit account?

Apply Online
or apply at a branch near you