Time Deposit
Special Offer

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

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!

Check how much you can earn

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Hidden Figures

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Your Results
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Total earnings quoted are indicative only. Number of days used in the computation may vary. 
The rates used in this calculator are subject to change without notice. 
Payment Schedule


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).