Overview
Maximize your savings with our Time Deposit account. Earn higher interest rates by keeping your money deposited for a fixed period. Choose from flexible terms ranging from 30 days to 5 years, and watch your money grow with guaranteed returns. Perfect for those who want to build their wealth with minimal risk.
Key Features
- Higher interest rates than regular savings
- Flexible terms from 30 days to 5 years
- Guaranteed returns at maturity
- Auto-renewal option available
- Certificate of Time Deposit issued
- Can be used as loan collateral
- Deposit insurance coverage up to ₱500,000 by PDIC
- Interest can be credited monthly or at maturity
Account Requirements
- 1Must be at least 18 years old
- 2Valid government-issued ID
- 3Proof of address (utility bill, bank statement)
- 4Tax Identification Number (TIN)
- 5Minimum placement of ₱10,000
- 6Completed time deposit application form
Interest Rates
Competitive rates to help you achieve your financial goals
* Rates are subject to change without prior notice. Please contact us for the latest rates.
Benefits
Why choose this account?
Higher Returns
Earn significantly higher interest compared to regular savings accounts.
Guaranteed Growth
Know exactly how much you'll earn at the end of your term.
Flexible Terms
Choose a term that fits your financial goals and timeline.
Low Risk
Your principal and interest are guaranteed and PDIC-insured.
Loan Collateral
Use your time deposit as collateral for loans when needed.
Auto-Renewal
Opt for automatic renewal to continue earning without interruption.
How to Apply
Simple steps to get started
Choose Term
Select your preferred deposit term and amount.
Visit Branch
Go to any SECBank branch with your requirements.
Place Deposit
Make your minimum deposit of ₱10,000 or more.
Receive Certificate
Get your Certificate of Time Deposit.