Time Deposit Accounts and Rates
Secure growth. Guaranteed earnings. Zero guesswork.
Why it works:
• Flexible terms: 30 days to 5 years
• Rewarding interest rates: Earn more than a regular savings account
• Monthly crediting of interest: 180 days and above
• Predictable growth: Fixed rates for stable returns
Ideal for:
• Short-term goals
• Education savings
• Travel funds
• Long-term stability
Interest Rates
Time Deposit Rates
Amounts and Terms
Rates
Effective 8/19/2026
30 Days
Php 5,000 – 49,999
1.50%
Php 50,000 – 99,999
1.75%
Php 100,000 – 499,999
3.00%
Php 500,000 and above
4.50%
60 – 90 Days
Php 15,000 – 99,999
3.00%
Php 100,000 – 499,999
3.50%
Php 500,000 and above
5.50%
*180 Days
Php 50,000 – 99,999
4.05%
Php 100,000 – 499,999
4.25%
Php 5M and above
6.00%
*One Year
Php 30,000 – 99,999
4.25%
Php 100,000 – 299,999
4.50%
Php 300,000 and above
7.00%
*Two Years
Php 500,000 and above
7.25%
*5 Years
Php 50,000 – 99,999
4.50%
Php 100,000 – 499,999
4.75%
Php 500,000 and above
6.50%
* Monthly crediting of interest
ALL are subject to tax.
RATES ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE
Who it's for
Time Deposits are perfect for those who:
- Want their money to WORK monthly
- Value steady and guaranteed income
- Want a disciplined savings tool
Why You'll Want it
1. Rewarding Interest Rates
2. Guaranteed Returns
3. Financial Discipline
4. Safe and Secure
5. Flexible Terms
APPLY NOWHow it Works
When you open a Time Deposit account with Sun Savings Bank, you agree to place a certain amount of money for a fixed term, which can range from 30, 60, 90, or 180 days, 1 year up to 5 years. During this time, your money earns a guaranteed interest rate that's locked in until maturity.
How to Apply for a Time Deposit with Sun Savings Bank
Opening a Time Deposit account with Sun Savings Bank is simple and convenient. Here's how you can start:
Visit a Sun Savings Branch
Go to your nearest Sun Savings Bank branch. Their friendly account officers will guide you through the process and explain the available terms and interest rates.
Prepare the Required Documents
Bring the following:
- A valid government-issued ID (e.g., passport, driver's license, or UMID).
- Initial deposit amount, depending on your chosen term.
- For business or corporate clients, additional documents such as business registration and board resolution may be required.
Fill Out the Application Form
Complete the Time Deposit Account Opening Form, where you'll indicate your preferred term, payout option (monthly or at maturity), and beneficiary details.
Receive Your Certificate of Time Deposit (CTD)
Once your application and deposit are processed, you'll receive a Certificate of Time Deposit as proof of your investment. Keep this certificate safe, as you'll need it when your deposit matures.
Monitor and Renew
At the end of the term, you can either:
- Withdraw your funds and interest, or
- Renew your Time Deposit for another term to continue earning interest
Testimonials
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FAQs
Longer-term: 1 year up to 5 years
