In a time when financial savings accounts from digital banks are providing rates of interest rivaling conventional investments, time deposits (TDs) proceed to carry their enchantment for many who need assured, predictable earnings.
For 2025, some Philippine digital banks have stepped up with aggressive TD gives, making them enticing alternate options to each low-interest brick-and-mortar banks and high-risk investments.
1-12 months Time Deposit Fee: 6.5% p.a.
- 15-day: 5.3% p.a.
- 30-day: 5.5% p.a.
- 90-day: 5.8% p.a.
- 180-day: 6.0% p.a.
- 360-day: 6.5% p.a.
The enchantment lies in its stability. Not like some digital banks that slash charges after a promo interval, OwnBank has saved aggressive yields for years.
This makes it superb for conservative buyers preferring certainty over surprises. Pair that with day by day curiosity crediting on financial savings accounts and high-yield TDs, and you’ve got a strong platform for regular development.
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1-12 months Time Deposit Fee: 5.75% p.a.
6-Month Time Deposit Fee: 6.0% p.a.
Maya Financial institution’s Time Deposit product has been drawing consideration since its March 2025 replace. The financial institution gives:
- 3 months: 5.5% p.a.
- 6 months: 6.0% p.a.
- 12 months: 5.75% p.a.
Whereas its 1-year fee is barely decrease than OwnBank’s, Maya wins in short-term TD competitiveness. Should you’re the kind who doesn’t wish to commit funds for too lengthy—or desires extra liquidity—Maya’s shorter tenors may give you strong returns with out tying up your cash for a full yr.
1-12 months Time Deposit Fee: 6.0% p.a.
UNO Digital Financial institution gives a clear, no-frills 6% p.a. on its 1-year time deposit. This makes it a strong center floor for many who need larger returns than conventional banks with out chasing promos.
UNO additionally gives aggressive shorter phrases, however its 6% 1-year choice stands out for steadiness—good yield, secure provide, and the safety of ₱1 million PDIC protection. It’s a very good choice for many who need a barely larger yield than Maya however with no need to decide to OwnBank’s full-year lock-in.
1-12 months Time Deposit Fee: 5.5% p.a. (MaxSave TD)
CIMB’s MaxSave gives affordable charges and is understood for its customer-friendly account opening course of, which could be completed solely on-line. Whereas 5.5% p.a. is barely decrease than its high opponents, CIMB makes up for it with robust model belief, a well-developed app, and the flexibility to seamlessly switch funds between your financial savings and time deposit accounts.
For risk-averse savers who worth stability and a longtime observe file within the Philippine market, CIMB stays a dependable alternative.
1-12 months Time Deposit Fee: 6.0% p.a.
Tonik has made a reputation for itself with daring rates of interest and artistic financial savings merchandise like “Stashes” and “Group Stashes.” Its 1-year time deposit sits at a aggressive 6.0% p.a., matching UNO Financial institution’s fee and sometimes paired with seasonal promos.
Tonik’s edge lies in its quick onboarding and quirky, gamified financial savings expertise. Whereas it’s comparatively new in comparison with CIMB, it has shortly gained a loyal following amongst youthful, tech-savvy savers.
Diversify Phrases: Break up your funds throughout completely different tenors so that you don’t lock the whole lot up for too lengthy.
Monitor Fee Modifications: Digital banks can regulate charges shortly, so be prepared to maneuver your funds if higher choices come up.
Contemplate Laddering: Open a number of TDs with staggered maturities to steadiness liquidity and returns.
Pair with Excessive-Curiosity Financial savings: Hold some funds in a high-yield financial savings account for emergencies.
If you need regular, dependable returns, OwnBank’s 6.5% p.a. for 1 yr is the most secure high-yield alternative. For a strong center floor, UNO Financial institution and Tonik provide 6.0% p.a., whereas Maya shines in shorter phrases with as much as 6.0% p.a. for six months. CIMB gives decrease charges however brings stability and robust platform reliability.
