How is my interest calculated?

Your account starts earning interest as soon as money is credited to the account. Interest is earned monthly and will be credited to your Time Deposit account at the end of each month. All interest earnings are subject to a 20% withholding tax, as required by law. If you leave interest on the Time Deposit, then compound interest will be applied and this rate will be obtained: 

Deposit amount — ₱50,000.00 to ₱999,999.99
6 months — 6.06%
9 months — 6.10%
12 months — 6.13%
24 months — 6.28%
36 months — 6.44%

Deposit amount — ₱1,000,000.00 to ₱50,000,000.00
6 months — 6.06%
9 months — 6.10%
12 months — 6.13%
24 months — 6.28%
36 months — 7.02%

You can also choose to have your earned interest paid out every month to your checking account instead of adding it to your Time Deposit.