( Effective Date of Data : 2022/05/20 08:41:16 )
Unit: Annual Rate %

NTD deposit rates

Types of Interest Rates Fixed Interest Rate Floating Interest Rate
Check Deposit w/o Interest
Demand deposit General 0.08000
Demand Savings Deposit Account General 0.23000
Payroll Demand Savings Deposit Account - Below NT$1 million (inclusive) 0.26000
Securities Demand Savings Deposit Account 0.00500
Time Deposit 1 month - Less than 3 months 0.60000 0.60000
3 months - Less than 6 months 0.66000 0.66000
6 months - Less than 9 months 0.77000 0.81000
9 months - Less than 12 months 0.88000 0.92000
1 year - Less than 2 years 1.04500 1.06500
2 years - Less than 3 years 1.07000 1.09000
3 years 1.07000 1.09000
Time Savings Deposit 1 year - Less than 2 years 1.09000 1.09000
2 years - Less than 3 years 1.09500 1.27000
3 years 1.09500 1.27000
Large-Sum Time Deposits Over NT$3 million (incl.) 1 month - Less than 3 months 0.07000 0.07000
3 months - Less than 6 months 0.09000 0.09000
6 months - Less than 9 months 0.12000 0.12000
9 months - Less than 12 months 0.13000 0.13000
1 year - Less than 2 years 0.13000 0.13000
2 years - Less than 3 years 0.16000 0.16000
3 years 0.19000 0.19000
Large-Sum Time Savings Deposits Over NT$3 million (incl.) 1 year - Less than 2 years 0.24000 0.24000
2 years - Less than 3 years 0.24000 0.24000
3 years 0.24000 0.24000
Deposit Interest Rate Project Category Fixed Interest Rate
TWD promotional Time Deposit(1) 0.60000
TWD promotional Time Deposit(2) 0.66000
TWD promotional Time Deposit(3) 0.77000
TWD promotional Time Deposit(4) 0.88000
TWD promotional Time Saving Deposit(1) 0.60000
TWD promotional Time Saving Deposit(2) 1.09500


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.iLEO Digital Account (iWish Savings Plan):
Available only to iLEO account holders who have registered for the iWish Savings Plan, interest is accrued on the total amount deposited into the iWish Savings Plan.
For customers’ digital account balance outside the iWish Savings Plan, interest will be accrued at the board rates of “iLEO Digital Account (For Individual).”

3.Eligibility for preferential rates (1) and (3) on Large-Sum Demand Deposits:
Available only to companies, firms, associations, or other legal entities whose registration has been approved by the competent authority (excluding financial institutions, insurance enterprises, government funds, securities/short-term bills enterprises, Chunghwa Post, financial holding companies, preparatory offices, and escrow accounts).

4.Eligibility for preferential rates (2) on Large-Sum Demand Deposits:
Available only to companies, firms, associations, or other legal entities whose registration has been approved by the competent authority (excluding financial institutions, securities/short-term bills enterprises, Chunghwa Post, financial holding companies, preparatory offices, and escrow accounts).

5.Eligibility for preferential rates on Corporate Demand Deposits:
Available only to companies, firms, associations, or other legal entities whose registration has been approved by the competent authority (excluding financial institutions, insurance enterprises, securities/short-term bills enterprises, Chunghwa Post, financial holding companies, preparatory offices, and escrow accounts).

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

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

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