Secure your hard-earned capital with a Certificate of Time Deposit. Lock in premium market rates and watch your investment grow with absolute certainty.
"A Certificate of Time Deposit (CTD) is more than just a savings account—it is a formal commitment to your future. By choosing a specific maturity date, you ensure your money earns at the highest prevailing market rates, fully evidenced by an official Bank Certificate."
This product is designed for individuals and businesses who have excess liquidity and want to maximize their earnings without the volatility of the stock market. Your yield is guaranteed, and your principal is safe.
| Feature | Detail |
|---|---|
| Minimum Placement | ₱10,000.00 |
| Available Terms | 30, 60, 90, or 180 Days |
| Evidence of Deposit | Official Certificate of Time Deposit |
| Interest Rate | Based on Prevailing Market Rates |
| Yield Type | Guaranteed Fixed Return |
Guaranteed Fixed Yield
Unlike variable investments, your interest rate is locked in the moment you open the account. No matter how the market fluctuates, your return is set in stone.
Standby Credit Facility
Need cash before your maturity date? Your Certificate of Time Deposit can be used as collateral for a credit line, giving you liquidity without having to terminate your investment early.
Formal Documentation
Receive a physical Certificate of Time Deposit. This high-value document serves as official proof of your investment and can be used for financial verification or as collateral.
At the end of your chosen term (30, 60, 90, or 180 days),
you have the power to:
1. Withdraw: Take your principal plus the earned interest.
2. Roll-Over: Re-invest the principal for another term to continue the growth.
3. Capitalize: Re-invest both the principal and the interest to maximize
"Compound Growth."
1. One (1) Valid Government-issued ID
2. Minimum Placement Fund: ₱10,000.00
3. Completed Time Deposit Application Form