Time Deposit

A Time Deposit is a secure investment product that allows you to earn higher interest rates by committing your funds for a fixed period. At Margem Credit Cooperative, we offer flexible time deposit terms designed to help your money grow. How It Works You deposit a minimum amount of ₱5,000 for a fixed term — ranging from 30 days to 5 years. During this period, your money earns a competitive interest rate that is fixed at the time of placement. At maturity, you receive your principal plus the earned interest. Available Terms 30 days — 1.50% per annum 90 days — 2.00% per annum 180 days — 3.00% per annum 360 days — 4.00% per annum 2 years — 4.50% per annum 3 years — 5.00% per annum 5 years — 5.50% per annum Key Features Minimum placement: ₱5,000 Fixed interest rate for the entire term Interest can be credited monthly, quarterly, or at maturity Automatic rollover option available Insured and secure — your deposit is protected Benefits Higher returns than regular savings Predictable earnings — you know exactly how much you'll earn Flexible terms to match your financial goals Your funds are safe and managed by a trusted, member-owned institution How to Open a Time Deposit Visit our office or contact us to speak with a member services representative. Bring your member ID and the funds you wish to deposit. We'll help you choose the term that best suits your needs and set up your time deposit in minutes. For current rates and promotions, please contact us or visit our office.