Rates for Philippine Time Deposit and Other Long-Term Saving Schemes

Note: Data was last checked October 2015.

This is a comparison of time deposit rates for different banks, including other long-term savings plans that offer similar rates.

It seems that time deposits at least 5 years are given tax-free status in some banks.

Bank or Institution	Minimum Amount and Rates	Tax	Minimum holding time	Guaranteed?	How much is P100,000 after 5 years
Planters bank	P50,000 3.5% for 5 years tax-free	tax free	5 yrs	Yes, PDIC	118,768.
Talisay rural bank, batangas	P500,000 7% for 5 years below this amount, lower rates apply	tax free	5 yrs	probably	140,000
bank of makati (rural bank)	2% 30 days to 1 year				tbills
bpi direct savings	0.88%	1% for 182 days			retail treasury bonds
bpi family plan ahead	3.25% 5 yrs tax free
ldb	secret ata - la sa website	1% interest savings for kids
ama bnk	4% 5 yrs, 3.75% 1 yr	12020.99806
pag-ibig mp2
bpi short term fund	1.1 tapos minus 0.5 mgt fee pa - so lugi, buti pang nag direct time na lang
abf bond fund	4%	no minimum holding	mgt fee = 0.25% p.a.		like 3.75%
bpi premium bond fund	NEVER. 1.4% ang YTD, tapos 1.5% ang mgt fee. Di na.
bpi philippine dollar bund fun	6% ang ytd, 0.25% ang mgt fee	no minimum holdin	min 500$	not sure though if computed in usd, but probably yes
alfm peso bond fund	remove your placement here after 6 mos. this was so expensive at 1.5% mgt fee
peso cash mgt fund	1.1 ytd tapos 0.5% mgt fee = 0.6% lang net