5 Reasons Why Salmon Time Deposit Beats a Regular Savings Account

Opening a bank account is a classic adulting milestone. These days, regular savings accounts offer minimal growth — almost like what you’d expect from an e-wallet. If you’re serious about making your money work for you, consider a Salmon Time Deposit at the Rural Bank of Sta. Rosa (Laguna). 

Here’s why it’s a smarter choice than a regular savings account: 

It locks in your savings and keeps you from spending them. 
A regular savings account gives you easy access to your funds, and that makes impulse spending far too tempting. On the other hand, as Pre-termination may result in reduced interest earnings, a Salmon Time Deposit locks in your money for a set period, helping you build real savings by keeping it out of reach from “budol” buys. 

Your money grows faster and safer. 

Your funds may be locked in, but it isn’t idle. Savings accounts offer interest rates below 1% per year. Salmon’s Time Deposit offers a gross interest rate of up to 8.88% per annum, depending on your term. That’s real, compounding growth – and it’s protected: deposits up to PHP 1 million per depositor are insured by the PDIC. 

The more you save, the more you earn. 

In a regular savings account, PHP50,000 and PHP500,000 earn nearly the same minimal interest. With a Salmon Time Deposit, larger deposits unlock better returns. For example, deposits from PHP50,000–PHP499,999 can earn up to 6% annually, and deposits from PHP500,000 up to PHP50 million can earn as much as 8.88% on a 12-month term. 

It helps your savings grow without the ups and downs of market-based investments. 

Time deposits don’t just preserve money — they grow it. While not technically an investment product, time deposits offer predictable and low-risk returns. You commit to leaving your funds untouched, and in return, you earn significantly more than with a savings account, without exposure to market volatility. 

The gains are real and worth the math. 
It’s easy to gloss over interest rates and terms. But run the numbers, and you’ll see: the earnings from a Salmon Time Deposit far outpace what you’d get from a typical savings account. The difference? Truly eye-opening.