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Increase your earnings with RCBC Time Deposit!

RCBC's time deposit is a secure, high-interest option for savers looking to grow their funds reliably. Open your time deposit online for a hassle-free way to save smarter.

  • Revamp-rcbc-competitive-interest-rateicon

    Competitive Interest Rates

    Ensure your savings grow faster

  • Revamp-rcbc-flexible-maturity-terms-icon

    Flexible Maturity Terms

    Fit your financial goals with flexible tenure options.

  • Revamp-rcbc-guaranteed-returns-icon

    Guaranteed Returns

    Acquire a safe investment opportunity with high interest rates.

  • Revamp-rcbc-secure-convenient-icon

    Secure and Convenient

    Experience convenience and security with the option to open time deposits online.

PHP Time Deposit

  • Tenure Option 30 Days to 1 Year

    • Minimum Investment PHP 5,000
    • Minimum Term 30 days
    • Interest Rate per annum 0.500% - 1.375%

  • Tenure Option 2 Years to 4 Years

    • Minimum Investment PHP 100,000
    • Minimum Term 2 years
    • Interest Rate per annum 1.625% - 2.250%

  • Tenure Option 5 years + 1 day

    • Minimum Investment PHP 100,000
    • Minimum Term 5 years
    • Interest Rate per annum 2.250% - 2.500%

USD Time Deposit

  • Tenure Option 30 Days to 1 Year

    • Minimum Investment USD 1,000
    • Minimum Term 30 days
    • Interest Rate per annum 0.250% - 1.375%

  • Tenure Option 2 Years to 5 Years

    • Minimum Investment USD 1,000
    • Minimum Term 2 years
    • Interest Rate per annum 1.875% - 2.500%

Peso Green Time Deposit

  • Tenure Option 30 Days to 1 Year

    • Minimum Investment PHP 5,000
    • Minimum Term 30 days
    • Interest Rate per annum 0.750% - 1.500%

Frequently Asked Questions (FAQs)

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

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 theRCBC Sustainability Page and download a copy of RCBC's Sustainable Finance Framework.

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.

Personal Banking Guidelines

Here are some more of the information that you'll need to bank with us!

Banking Fees and Charges Banking Requirements Terms & Conditions

Calculate your Savings:

PHP TIME DEPOSIT

Tenure Option 30 Days to 1 Year

  • Minimum Investment PHP 5,000
  • Minimum Term 30 days
  • Interest Rate per annum 0.500% - 1.375%

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

Tenure Period

Principal Amount Interest Rate 30-45 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 99,999
PHP 100,000 to PHP 999,000
PHP 1,000,000 to PHP 4,999,999
PHP 5,000,000 to PHP 9,999,999
PHP 10,000,000 and up
Principal Amount Interest Rate 46-60 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 99,999
PHP 100,000 to PHP 999,000
PHP 1,000,000 to PHP 4,999,999
PHP 5,000,000 to PHP 9,999,999
PHP 10,000,000 and up
Principal Amount Interest Rate 61-90 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 99,999
PHP 100,000 to PHP 999,000
PHP 1,000,000 to PHP 4,999,999
PHP 5,000,000 to PHP 9,999,999
PHP 10,000,000 and up
Principal Amount Interest Rate 91-180 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 99,999
PHP 100,000 to PHP 999,000
PHP 1,000,000 to PHP 4,999,999
PHP 5,000,000 to PHP 9,999,999
PHP 10,000,000 and up
Principal Amount Interest Rate 181-364 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 99,999
PHP 100,000 to PHP 999,000
PHP 1,000,000 to PHP 4,999,999
PHP 5,000,000 to PHP 9,999,999
PHP 10,000,000 and up
Principal Amount Interest Rate 1 Year
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 99,999
PHP 100,000 to PHP 999,000
PHP 1,000,000 to PHP 4,999,999
PHP 5,000,000 to PHP 9,999,999
PHP 10,000,000 and up

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

PHP TIME DEPOSIT

Tenure Option 2 Years to 4 Years

  • Minimum Investment PHP 100,000
  • Minimum Term 2 years
  • Interest Rate per annum 1.625% - 2.250%

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

Tenure Period

Principal Amount Interest Rate 2 years
PHP 100,000 to PHP 999,999
PHP 1,000,000 to PHP 9,999,999
PHP 10,000,000 and up
Principal Amount Interest Rate 3 years
PHP 100,000 to PHP 999,999
PHP 1,000,000 to PHP 9,999,999
PHP 10,000,000 and up
Principal Amount Interest Rate 4 years
PHP 100,000 to PHP 999,999
PHP 1,000,000 to PHP 9,999,999
PHP 10,000,000 and up

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

PHP TIME DEPOSIT

Tenure Option 5 years + 1 day

  • Minimum Investment PHP 100,000
  • Minimum Term 5 years
  • Interest Rate per annum 2.250% - 2.500%

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

Tenure Period

Principal Amount Interest Rate 5 Years + 1 Day
PHP 100,000 to PHP 999,999
PHP 1,000,000 to PHP 9,999,999
PHP 10,000,000 and up

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

USD TIME DEPOSIT

Tenure Option 30 Days to 1 Year

  • Minimum Investment USD 1,000
  • Minimum Term 30 days
  • Interest Rate per annum 0.250% - 1.375%

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

Tenure Period

Principal Amount Interest Rate 30-45 Days
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up
Principal Amount Interest Rate 46-89 Days
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up
Principal Amount Interest Rate 90-179 Days
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up
Principal Amount Interest Rate 180-359 Days
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up
Principal Amount Interest Rate 1 Year
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up

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

USD TIME DEPOSIT

Tenure Option 2 Years to 5 Years

  • Minimum Investment USD 1,000
  • Minimum Term 2 years
  • Interest Rate per annum 1.875% - 2.500%

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

Tenure Period

Principal Amount Interest Rate 2 Years
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up
Principal Amount Interest Rate 3 Years
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up
Principal Amount Interest Rate 4 Years
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up
Principal Amount Interest Rate 5 Years
PHP 1,000 to PHP 10,999
PHP 11,000 to PHP 99,999
PHP 100,000 to PHP 499,999
PHP 500,000 and up

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

PESO GREEN TIME DEPOSIT

Tenure Option 30 Days to 1 Year

  • Minimum Investment PHP 5,000
  • Minimum Term 30 days
  • Interest Rate per annum 0.750% - 1.500%

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

Tenure Period

Principal Amount Interest Rate 30-45 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 999,999
PHP 1,000,000 to PHP 5,000,000
Principal Amount Interest Rate 46-60 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 999,999
PHP 1,000,000 to PHP 5,000,000
Principal Amount Interest Rate 61-90 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 999,999
PHP 1,000,000 to PHP 5,000,000
Principal Amount Interest Rate 91-180 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 999,999
PHP 1,000,000 to PHP 5,000,000
Principal Amount Interest Rate 181-364 Days
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 999,999
PHP 1,000,000 to PHP 5,000,000
Principal Amount Interest Rate 1 Year
PHP 5,000 to PHP 39,999
PHP 40,000 to PHP 999,999
PHP 1,000,000 to PHP 5,000,000

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