Time Deposit Special Rate Promo
Big Rates, Bigger Savings! Take advantage of our Time Deposit Special Rate promo and earn more on your hard-earned cash—only at Security Bank! Open an accountPromo mechanics
Qualified Clients
- This promo is open to all new-to-bank and existing-to-bank clients who will receive a notification about it via email, Viber/SMS, or branch personnel.
- Clients who will invest in a 6-month or 12-month tenor PHP or USD TD placement.
How to join
- Open your Peso Time Deposit or Dollar Time Deposit from June 1 to July 31, 2025.
- Deposit at least PHP100,000 for Peso Time Deposit and USD1,000 for Dollar (USD) Time Deposit with 6 or 12 month tenor.
Promo Period: June 1, 2025 to July 31, 2025
Per DTI Fair Trade Permit No. FTEB-226062, Series of 2025
Choose how you want to save
Peso Time Deposit
“I want high returns with a low initial deposit”
- Interest Rate: 4.00% p.a. for 6 months and 4.25% p.a. for 12 months
- Minimum Placement: PHP100,000
Dollar (USD) Time Deposit
“I want to make dollars work for me”
- Interest Rate: 4.00% p.a. for 6 months and 4.25% p.a. for 12 months
- Minimum Placement: USD1000
Fine print
Promo mechanics
1. The special offer is valid from June 1, 2025 – July 31, 2025.
2. The PHP/USD TD rate is open to NTB and ETB clients.
A. All NTB & ETB Individual Customers, belonging to above customer segments and who :
- will receive a notification about this promo via e-mail, OR
- will receive a notification about this promo via Viber/SMS, OR
- will be notified by branch personnel
3. Qualified Individual Clients will get the following special interest rates when they open a Time Deposit account within the offer duration using fresh funds deposited within the offer period (as defined in this promo) and/or from existing CASA accounts as recommended by the TD calculator.
Summary of Special Interest Rates as follows:
| Time Deposit Product | Client Type | Special Interest Rate* | Placement Terms | Required Placement Amount |
| PHP TD | NTB/ETB | 4.00% | 6 months |
Minimum: PHP100,000 Maximum: No limit |
| 4.25% | 12 months |
Minimum: PHP100,000 Maximum: No limit |
||
| USD TD | NTB/ETB | 4.00% | 6 months |
Minimum: USD1,000 Maximum: No limit |
| 4.25% | 12 months |
Minimum: USD1,000 Maximum: No limit |
* Gross rate per annum subject to 20% withholding tax
4. Deals that have a shorter or longer placement tenor than the ones specified in the above table will follow the existing board rates*. Furthermore, existing board rates will apply if and when the client rolls over the placement with the special rate upon maturity.
*Existing board rates are non-offer interest rates for time deposits.
5. Qualified Individual Clients have no limit on the availment amount, and they can avail of more than one placement as long as it is within the parameters of this promo.
6. All new CASA and Time Deposit account openings are subject to existing applicable policies and procedures of the Bank, including but not limited to the following:
A. All accounts opened during the promo period will be subject to the Bank’s existing KYC/account opening policies.
B. Accounts closed within 30 days of the account opening will be subject to corresponding early closure penalty fees.
C. Existing below maintaining balance charges corresponding to the participating product shall be applied.
The following are NOT considered as fresh funds:
A. SBC-sourced loan proceeds
B. Cash transferred from one existing SBC CASA to another existing or new SBC CASA
C. Cash withdrawals / check encashments prior placement and subsequently deposited back to account
D. Fund transfers going outside the Bank and subsequently deposited back to the SBC account or another SBC CASA account
E. Maturities of SBC Corp Bond, SBC LTNCD or any SBC issuance
F. Others as may be determined by the TD product owner
The following are considered as fresh funds:
A. Cash / checks / fund transfers from another bank or outside source
B. Maturities of investment products :
- Government Securities (Tbills, FXTNs, RTBs)
- Non-SBC Corporate Bonds, Notes
- UITF and DIMA Corp Bonds
C. Others as may be determined by the TD product owner
A- C above deposited within offer period of this promo
7. When applicable, SBC will also review the Qualified Clients’ Total Relationship Balance (“TRB”) in all his/her SBC product holdings, including but not limited to, CASA, Time Deposit, Treasury, and other Investment Products prior to processing of TD placement. The Time Deposit calculator will also act as a guide to ensure that the appropriate funds are placed in the TD account.
8. Branches MUST ensure that the client places fresh funds into the TD account. Clients who intend to place non – fresh funds (indicated above) are NOT eligible for the TD special rate offer. TD placements will undergo random checks at the end of every month to determine if branches have ensured that the appropriate mix of fresh/non-fresh funds are placed in the clients’ TD accounts.
9. All questions and disputes with respect to the offer shall be resolved by the Bank, and any decision shall be binding and conclusive on the Clients.
10. How to Avail
- Visit your branch of account OR apply online via the SBC Website.
- Place your fresh funds to avail the special rate.
Note: Fresh funds must come from sources outside Security Bank (Cash, Check, Fund Transfers) credited / transferred to SBC within the offer period.
Per DTI Fair Trade Permit No. FTEB-213171, Series of 2024