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.

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    Peso Time Deposit

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    Peso Time Deposit Rates

    Amount Tenor Days
    30-45 46-60 61-90 91-180 181-364 1 Year
    5,000.00 - 9,999.99 0.500% 0.625% 0.750% 0.875% 0.875% 1.625%
    10,000.00 - 39,999.99 0.625% 0.750% 0.875% 1.000% 1.125% 1.750%
    40,000.00 - 499,999.99 1.500% 1.500% 1.625% 1.750% 2.000% 2.375%
    500,000.00 - 999,999.99 1.750% 1.875% 2.000% 2.125% 2.250% 2.500%
    1,000,000.00 - 4,999,999.99 1.875% 2.000% 2.125% 2.250% 2.500% 2.625%
    Over 5,000,000.00 2.125% 2.125% 2.250% 2.375% 2.500% 2.625%
    Over 10,000,000.00 2.125% 2.250% 2.375% 2.375% 2.500% 2.625%

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    US Dollar Time Deposit

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    US Dollar Time Deposit Rates

    Amount Tenor Days
    30-45 46-89 90-179 180-269 270-359
    1,000.00 - 10,999.99 1.250% 1.250% 1.750% 1.875% 2.000%
    11,000.00 - 99,999.99 1.500% 1.500% 2.000% 2.000% 2.125%
    100,000.00 - 499,999.99 1.600% 1.750% 2.000% 2.125% 2.250%
    500,000.00 and up 1.600% 1.750% 2.125% 2.250% 2.250%

    Amount Tenor Days
    1 Year 2 Years 3 Years 4 Years 5 Years
    1,000.00 - 10,999.99 2.125% 2.125% 2.250% 2.500% 2.750%
    11,000.00 - 99,999.99 2.250% 2.250% 2.375% 2.500% 2.750%
    100,000.00 - 499,999.99 2.375% 2.375% 2.500% 2.625% 2.875%
    500,000.00 and up 2.500% 2.500% 2.625% 2.750% 3.000%
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    Other Foreign Currency Time Deposit

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    2 3 4 Year Time Deposit

    Amount Tenor Days
    2 Years 3 Years 4 Years 5 Years + 1 day
    100,000.00 - 499,999.99 2.625% 2.875% 3.125% 3.625%
    500,000.00 - 999,999.99 2.750% 3.000% 3.250% 3.750%
    1,000,000.00 - 4,999,999.99 2.875% 3.125% 3.375% 3.875%
    Over 5,000,000.00 3.000% 3.250% 3.500% 4.000%
    Over 10,000,000.00 3.000% 3.250% 3.500% 4.000%
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    5 Year Peso Time Deposit

    RCBC 5 Year Peso Time Deposit (Monthly Interest Crediting)

    Minimum Amount of Placement

    :

    P100,000

    Term of Placement

    :

    5 years + 1 day


    Amount Rate*
    100,000 to < 500,000 3.00%
    500,000 to < 1M 3.13%
    1M to < 2.5M 3.25%
    2.5M to < 5M 3.38%
    5M and up 3.50%
    *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

    :

    Monthly

    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

    Proceeds

    :

    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

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