Producers Bank
Deposit Products
Interest rates effective February 24, 2026, as approved by the Asset and Liability Committee (ALCO).
At a Glance
Explore Our Deposit Products
Checking Accounts
Demand Deposit
Everyday checking accounts for individuals and businesses, with or without an Automatic Transfer Arrangement (ATA).
| Deposit Product | Opening Amount | Required Maintaining Balance | Interest Rate |
| Demand Deposit — Personal | ₱5,000 | ₱5,000 | n/a |
| Demand Deposit — Corporate | ₱50,000 | ₱50,000 | n/a |
| Demand Deposit with ATA — Personal | ₱15,000 | ₱15,000 | n/a |
| Demand Deposit with ATA — Corporate | ₱100,000 | ₱100,000 | n/a |
← Swipe the table sideways to see all columns →
Demand deposit accounts do not earn interest.
Peso Savings
Regular Savings Deposit
Accessible savings accounts with low opening requirements. Note that the balance needed to earn interest is separate from the balance you must maintain.
| Deposit Product | Opening Amount | Required Maintaining Balance | Minimum Balance to Earn Interest | Interest Rate |
| Basic Deposit Account | ₱100 | ₱100 | ₱5,000 | 0.25% |
| Regular Savings — Passbook | ₱1,000 | ₱1,000 | ₱10,000 | 0.25% |
| Regular Savings — ATM | ₱2,000 | ₱2,000 | ₱10,000 | 0.25% |
| Corporate | ₱20,000 | ₱20,000 | ₱20,000 | 0.25% |
← Swipe the table sideways to see all columns →
Grow Your Savings
Tiered Savings Deposit
Your interest rate rises with your average daily balance (ADB) — up to 2.00% per annum.
₱10,000
₱10,000
₱10,000
Average Daily Balance
₱10,000.00 to ₱49,999.99
0.25%
per annum
Average Daily Balance
₱50,000.00 to ₱500,000.00
0.50%
per annum
Average Daily Balance
₱500,000.01 to ₱1,000,000.00
1.00%
per annum
Average Daily Balance
More than ₱1,000,000.00
2.00%
per annum
Interest on Tiered Savings is credited at the end of each calendar quarter.
Fixed Term Investments
Premium Peso Time Deposit
Short-term placements with terms of 31 to 90 days. Larger placements earn higher rates.
| Amount | Term | Interest Rate |
| ₱50,000 to ₱500,000 | 31 – 90 days | 1.50% |
| ₱501,000 to ₱1,000,000 | 31 – 90 days | 2.00% |
| ₱1,001,000 to ₱5,000,000 | 31 – 90 days | 2.50% |
| More than ₱5,000,000 | 31 – 90 days | 3.00% |
← Swipe the table sideways to see all columns →
Interest is subject to the applicable final withholding tax.
Long Term
5½ Year Time Deposit
Minimum Required / Opening Amount
₱50,000 and above
Interest Rate
3.50%
per annum
Payable quarterly, less 20% final withholding tax.
For Banks
Special Time Deposit Account
For Agri / Agra alternative compliance. Fixed 365-day term.
| ₱1,000,000 to ₱5,000,000 | 3.00% |
| More than ₱5,000,000 | 3.50% |
Rates shown are per annum.
Foreign Currency
Foreign Currency Deposit Unit (FCDU)
US dollar savings and time deposit accounts. A deposit fee of 0.27% of the amount deposited applies to both products.
FCDU Savings Deposit
| Deposit Product | Minimum Required / Opening Amount | Minimum Balance to Earn Interest | Interest Rate | Deposit Fee |
| Savings Account | US$100.00 | US$200.00 | 0.05% | 0.27% of amount deposited |
← Swipe the table sideways to see all columns →
FCDU Time Deposit
| Amount | Interest Rate (minimum 30 days) | Deposit Fee |
| US$1,000 to US$5,000 | 0.10% | 0.27% of amount deposited |
| More than US$5,000 | 0.125% | 0.27% of amount deposited |
← Swipe the table sideways to see all columns →
Start Saving Today
Open a Deposit Account
Visit any Producers Bank branch to get started, or find the location nearest you.
Interest rates are per annum and subject to change without prior notice. Rates shown are effective February 24, 2026.
Deposits are insured by PDIC up to ₱1 Million per depositor.