Time Deposit

What is a Time Deposit?

A Time Deposit is a fixed term investment account that allows you to grow your money with higher interest rates compared to a regular savings account.

While traditional investments can earn a higher return, time deposits require no effort after your initial deposit has been made. In short, a time deposit gives you a higher returns than a regular savings or checking account with significantly less risk than an investment.

How does it work?

The funds placed in a time deposit cannot be withdrawn during the term before maturity but can be pre-terminated subject to penalty fees.

Let’s say you deposit P1,000,000 on a time deposit account at 1.7% interest for one year. Your earnings will look like this:

  • You can't withdraw the P1,000,000 you deposited for one year
  • You earn 1.7% interest per annum
  • Your earnings from interest after a year is 17,000

Two Main Types to Choose From

Peso Time Deposit philippines

Peso Time Deposit

Grow your money with higher interest compared to a regular savings account. Learn more
Dollar Time Deposit philippines

Dollar Time Deposit

Make dollars work for you & grow your investment w/ flexible terms. Learn more

How to Open a Time Deposit Account

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Find your Security Bank branch of choice. Click here to locate the nearest branch to you.
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Bring 1 primary valid ID. Click here to see all valid IDs.
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Approach our customer advisor for interview and deposit. No need to fill up any forms!
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Upon processing, your account is now ready and activated!

Check How Much You Can Earn

Get the most out of your savings

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Low risk investment

Be secured in the return of your capital plus interest!

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Flexible terms

Choose from our flexible place time deposit terms—from as short as 30 days to as long as 7 years.

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Higher interest rates

Enjoy higher returns from market based interest rates.

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Also available in USD

Besides opening a peso time deposit, you can also open a dollar time deposit to grow your savings even more!

Debit Card Promos

Ready to make this smart investment?

FAQs, Eligibility, Terms and Conditions