( Effective Date of Data ： 2020/10/27 08:17:12 )
 
Unit: Annual Rate %

新臺幣存款利率
Types of Interest Rates Fixed Interest Rate Floating Interest Rate
Check Deposit w/o Interest
Demand deposit General 0.02000
Over NT$50 million (inclusive) -
Demand Savings Deposit Account General 0.08000
Over NT$30 million (inclusive) -
Payroll Demand Savings Deposit Account - Below NT$1 million (inclusive) 0.20000
Securities Demand Savings Deposit Account 0.00500
Time Deposit 1 month - Less than 3 months 0.35000 0.35000
3 months - Less than 6 months 0.41000 0.41000
6 months - Less than 9 months 0.52000 0.56000
9 months - Less than 12 months 0.63000 0.67000
1 year - Less than 2 years 0.79500 0.81500
2 years - Less than 3 years 0.82000 0.84000
3 years 0.82000 0.84000
Time Savings Deposit 1 year - Less than 2 years 0.80000 0.84000
2 years - Less than 3 years 0.84500 1.02000
3 years 0.84500 1.02000
Types of Interest Rates for Large Sums Fixed Interest Rate Floating Interest Rate
Large-Sum Time Deposits Over NT$3 million (incl.) 1 month - Less than 3 months 0.04000 0.04000
3 months - Less than 6 months 0.06000 0.06000
6 months - Less than 9 months 0.09000 0.09000
9 months - Less than 12 months 0.10000 0.10000
1 year - Less than 2 years 0.10000 0.10000
2 years - Less than 3 years 0.13000 0.13000
3 years 0.16000 0.16000
Large-Sum Time Savings Deposits Over NT$3 million (incl.) 1 year - Less than 2 years 0.21000 0.21000
2 years - Less than 3 years 0.21000 0.21000
3 years 0.21000 0.21000

1. Interest accrual method for demand deposits: (1) Interest is accrued daily 365 days a year (the sum of daily deposit balance (total amount) is multiplied by its annual interest rate, and then divided by 365, which is the amount of interest). (2) Interest for 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 same day.

2. Applicable targets for large-sum demand deposits with preferential rates: Only 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 reserve accounts).

3. Applicable targets for corporate deal demand deposits: Only 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 reserve accounts).

4. Large-sum demand deposits with preferential rates and enterprise deal demand deposits are subject to special application.