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NTD deposit rates

Historical Interest Rate Enquiry

( Effective Date of Data ： 2025/07/01 08:32:19 )

Unit: Annual Rate %

Types of Interest Rates		Fixed Interest Rate	Floating Interest Rate
Information not found

Types of Interest Rates			Fixed Interest Rate	Floating Interest Rate
Check Deposit			w/o Interest
Demand deposit	General		0.70500
Demand Savings Deposit Account	General		0.85500
Payroll Demand Savings Deposit Account - Below NT$1 million (inclusive)			0.88500
Securities Demand Savings Deposit Account			0.00500
Time Deposit	1 month - Less than 3 months		1.22500	1.22500
	3 months - Less than 6 months		1.28500	1.28500
	6 months - Less than 9 months		1.43500	1.43500
	9 months - Less than 12 months		1.54500	1.54500
	1 year - Less than 2 years		1.70000	1.69000
	2 years - Less than 3 years		1.71500	1.71500
	3 years		1.71500	1.71500
Time Savings Deposit	1 year - Less than 2 years		1.75500	1.71500
	2 years - Less than 3 years		1.76000	1.89500
	3 years		1.77000	1.89500
Types of Interest Rates for Large Sums			Fixed Interest Rate	Floating Interest Rate
Large-Sum Demand Deposits with Preferential Rate (1)	Below NT$0.3 billion (exclusive)		Apply to General Demand Deposit Interest Rates
	NT$0.3 billion (inclusive) to NT$0.5 billion (exclusive)		0.800
	NT$0.5 billion (inclusive) to NT$1 billion (exclusive)		0.840
	NT$1 billion (inclusive) to NT$2 billion (exclusive)		0.890
	NT$2 billion (inclusive) to NT$3 billion (exclusive)		0.950
	NT$3 billion (inclusive) to NT$5 billion (exclusive)		1.030
	Over NT$5 billion (inclusive)		0.800
Large-Sum Demand Deposits with Preferential Rate (2)	Below NT$3 billion (exclusive)		0.830
	NT$3 billion (inclusive) to NT$10 billion (exclusive)		1.030
	NT$10 billion (inclusive) to NT$30 billion (exclusive)		1.170
	Over NT$30 billion (inclusive)		Apply to General Demand Deposit Interest Rates
Large-Sum Demand Deposits with Preferential Rate (3)	Below NT$0.3 billion (exclusive)		Apply to General Demand Deposit Interest Rates
	NT$0.3 billion (inclusive) to NT$0.5 billion (exclusive)		0.800
	NT$0.5 billion (inclusive) to NT$1 billion (exclusive)		0.840
	NT$1 billion (inclusive) to NT$2 billion (exclusive)		0.890
	NT$2 billion (inclusive) to NT$3 billion (exclusive)		0.950
	NT$3 billion (inclusive) to NT$10 billion (exclusive)		1.030
	Over NT$10 billion (inclusive)		0.800
Corporate Deal Demand Deposits	Special Interest Rate (1)		0.800
	Special Interest Rate (2)		0.780
	Special Interest Rate (3)	Below NT$3 billion (exclusive)	0.990
	Special Interest Rate (3)	Over NT$3 billion (inclusive)	1.060
Large-Sum Time Deposits Over NT$3 million (incl.)	1 month - Less than 3 months		0.72500	0.72500
	3 months - Less than 6 months		0.74500	0.74500
	6 months - Less than 9 months		0.79500	0.78500
	9 months - Less than 12 months		0.82500	0.81500
	1 year - Less than 2 years		0.87500	0.86500
	2 years - Less than 3 years		0.89500	0.88500
	3 years		0.92500	0.91500
Large-Sum Time Savings Deposits Over NT$3 million (incl.)	1 year - Less than 2 years		0.87500	0.86500
	2 years - Less than 3 years		0.89500	0.88500
	3 years		0.92500	0.91500
Deposit Interest Rate Project

1.Interest accrual on demand deposit:
(1)Interest is accrued daily on a 365-day year. [The sum of daily balance (total amount) is multiplied by the annual interest rate and then divided by 365 to arrive at the amount of interest.]
(2)Interest on cash deposits, transfers, and inward remittance of demand deposits through ATMs or Internet banking outside business hours (including holidays) will accrue from the day of deposit. Interest rates change at 24:00 on the day.

2.Customers will have to apply to receive preferential rates on Large-Sum Demand Deposits , preferential rates on Corporate Demand Deposits or preferential rates on Large-Sum Time Deposits.

3.Other offers of special rates on deposits, if any, will be announced under Latest News on the FCB website.

4.The information in this table is for reference only. Please contact a branch for realtime interest rates.