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Best 6-month time deposit rates in Japan
Best 6-month rate per provider for a ¥1,000,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.
| Bank | Rate p.a. | Tenure | Deposit | Details | Link |
|---|---|---|---|---|---|
| Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期 | 1.20%≈ ¥6,000 in 6 months | 6 months | ¥500,000 + | Board rate | Go to bank |
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Deposit protection: Deposit Insurance Corporation of Japan (DICJ)
Interest-bearing ordinary deposits, time deposits and similar are protected up to ¥10 million of principal plus interest accrued to the failure date, per depositor per financial institution; non-interest-bearing settlement deposits are protected in full; foreign-currency deposits are not covered. Source, checked 2026-10-18.
We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.