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Earn higher rates than savings account with RCBC's Time Deposit. It is a risk-free investment account that still earns higher interest rates compared to regular deposit accounts. The longer the term of your Time Deposit, the higher yields you get.

Fund Access • RCBC Business Centers
• RCBC AccessOne Personal

Peso Time Deposit
  Regular Special
Minimum Balance P5,000 P100,000
Minimum Term 30 Days 30 Days
Peso Time Deposit Rates
Peso Time Deposit Rates
Amount Days
  30 - 45 46 - 60 61 - 90 91 - 180 181 - 365
5,000 - 9,999 0.375% 0.500% 0.625% 0.750% 0.750%
10,000 - 39,999 0.500% 0.625% 0.750% 0.750% 0.875%
40,000 - 5,000,000 0.625% 0.625% 0.750% 0.750% 1.000%
Over 5,000,000 0.750% 0.750% 0.750% 0.750% 1.000%


2 year, 3 year, 4 year Peso Time Deposit
  2 Year 3 Year 4 Year
Minimum Amount of Placement P100,000.00 P100,000.00 P100,000.00
Minimum Term 2 years 3 years 4 years
Interest Rate* Tiered
Acceptable Form of Placement Checks/ Debit from CA/SA
Interest Payment Crediting At Maturity
Withholding Tax Interest earned shall be subject to 20% withholding tax
Documentary Stamp Tax (DST)** Php for every P200
* Interest Rates
* Interest Rates
Term
Tiers 2 Years 3 Years 4 Years
100,000 < 500,000 1.525% 1.900% 2.300%
500,000 < 1,000,000 1.665% 1.990% 2.380%
1,000,000 - 2,500,000 1.700% 2.013% 2.400%
2,500,000 - 5,000,000 1.840% 2.103% 2.480%
5,000,000 above 1.875% 2.125% 2.500%

** Computation for Documentary Stamp Tax
a. With a term of less than one (1) year: Principal / P200 x P1.00 X Term / 365
b. With a term of one (1) year or over: Principal / P200 x P1.00


FCDU Time Deposit
 
Dollar Time Deposit
Minimum Balance USD 1,000
Minimum Term 30 Days
Dollar Time Deposit Rates
Dollar Time Deposit Rates
Amount Days
  30 - 45 46 - 89 90 - 179 180 - 269 270 - 359 1 yr
1,000 - 10,999 0.2500% 0.2500% 0.2500% 0.3750% 0.5000% 0.6250%
11,000 - 99,999 0.4375% 0.4375% 0.4375% 0.5000% 0.6250% 0.7500%
100,000 - 499,999 0.5000% 0.5000% 0.5000% 0.6250% 0.7500% 0.8750%
500,000 - UP 0.5000% 0.5000% 0.6250% 0.7500% 0.8750% 1.0000%

Amount Years
  2 Yrs 3 Yrs 4 Yrs 5 Yrs
1,000 - UP 1.7500% 2.0000% 2.2500% 2.5000%


  Euro Canadian
Dollar
Australian
Dollar
Japanese
Yen
British
Pounds
Swiss
Francs
Minimum Balance EUR 1,000 CAD 25,000 AUD 25,000 JPY 100,000 GBP 10,000 CHF 25,000
Minimum Term 30 Days 30 Days 30 Days 30 Days 30 Days 30 Days
Other FCDUs Time Deposit Rates
Other FCDUs Time Deposit Rates
JPY
30 Days
JPY 100 k - JPY 6.0 mio JPY 6.0 mio - JPY 12.50 mio OVER JPY 12.50 mio
0.035% 0.040% 0.045%
EUR
30 Days
EUR 1 k - EUR 50 k in EUR 100 k OVER EUR 100 k
0.125% 0.125% 0.125%
CAD
30 Days
CAD 25 k - CAD 140 k CAD 141 k - CAD 600 k OVER CAD 600 k
0.250% 0.250% 0.250%
GBP
30 Days
GBP 10 k - GBP 55 k GBP 270 k OVER GBP 270 k
0.250% 0.250% 0.250%
CHF
30 Days
CHF 25 k - GBP 140 k GBP 141 k - 700 k OVER CHF 700 k
0.050% 0.050% 0.050%
AUD
30 Days
AUD 25 k - AUD 145 k AUD 146 k - 675 k OVER AUD 675 k
1.500% 1.750% 1.750%

 

*FCDU Time Deposits are available on selected branches only
Member: PDIC. Maximum Deposit Insurance for Each Depositor P500,000