Time Deposit
Special Offer

Our highest time deposit rate, with even
higher interest and tax-exempt earnings!
Promo has ended.

Our Highest Time Deposit Rate Ever

Save even faster with a placement term of 5 years.

High interest rates

Maximize your profits starting at PHP 100,000

Flexible Interest Pay-out

Choose from monthly, quarterly, semi-annual, or annual schedules.

Tax-exempt interest

Individual Investors will receive tax-exempt interest.

How to Open a Time Deposit Account

Open a Security Bank account. You can start online! Just click here.

Bring 1 primary valid ID.

Approach our customer advisor for interview and deposit. No need to fill up any forms!

Upon processing, your account is now ready and activated!


Tenor 5 Years
Rate Minimum of 5% for individual clients. Please contact your nearest branch for corporate rates and updated rates.
Interest Frequency Monthly, Quarterly, Semi-Annual or Annual
Minimum Placement PHP 100,000
Deposit Coverage Insured by PDIC up to PHP 500,000.00 per depositor
Pretermination Policy
  1. Applicable rate as follows :
    • < 25% of the term = Savings Rate (0.10%)
    • 25% to less than 50% of the term = 25% of the given rate
    • 50% to less than 75% of the term = 50% of the given rate
    • 75% to less than 100% of the term = 75% of the given rate
  2. Client will shoulder the documentary stamps
  3. Subject to graduated taxation
  • Tax exemption – for INDIVIDUALS (only if held until maturity)
  • If preterminated, graduated taxation will apply depending on the holding period:
Term/Maturity Witholding Tax
4 years to less than 5 years 5%
3 years to less than 4 years 12%
Less than 3 years 20%
  • Certificate of Time Deposit (CTD) and
  • Addendum to CTD
Other Features Can be used as LOAN COLLATERAL with the Bank subject to Bank’s guidelines
  • Individual Investors will receive tax-exempt interest
  • Competitive Rate
  • Insured with PDIC for PHP500k per depositor
  • Flexible interest pay-out terms
Booking Booked with SBC branches
  1. For interested non-individual clients, prevailing board rates indicated in the daily rate sheet will apply. Note that for non-individuals, interest is subject to 20% tax.
  2. Must have a CASA account where interest and final principal will be credited.
  3. Fresh funds only (funds coming from other banks).