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Japanの最高time deposit金利

JPYtime deposit金利は8社から、各銀行のウェブサイトから毎日直接取得、さらに0社がチェック対象。金利順に並べ替え、広告ランキングはありません。

最終確認 18 Oct 2026, 05:37 UTC · 全 8 プロバイダー · ordinary deposit

¥1,000,000の預金に対する最高金利、すべてのお客様が対象。プロモーションは早期終了することがありますので、銀行にご確認ください。

「time deposit」金利を比較

期間
金利タイプ
オプション

5 銀行が ¥1,000,000 の12か月金利を提供

銀行金利(年率)期間預金詳細リンク
Aozora Bank (あおぞら銀行, BANK digital branch)BANK The 定期1.40%≈ ¥14,000 in 12 months12 ヶ月¥500,000 +基準金利
BANK The 定期 (BANK digital branch); Minimum ¥500,000; Fixed rate before tax
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Japan Post Bank (ゆうちょ銀行)定期貯金 (Teiki Chokin)0.50%≈ ¥5,000 in 12 months12 ヶ月未公表基準金利
定期貯金 (time savings) standard rate; Rates before tax
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MUFG Bank (三菱UFJ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 ヶ月最大 ¥2,999,999基準金利
Standard (店頭) rate for deposits under ¥3 million; Rates before tax
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Mizuho Bank (みずほ銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 ヶ月最大 ¥2,999,999基準金利
Branch standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
銀行へ移動
Sumitomo Mitsui Banking Corporation (三井住友銀行)スーパー定期 (Super Teiki)0.50%≈ ¥5,000 in 12 months12 ヶ月最大 ¥2,999,999基準金利
Standard rate for deposits under ¥3 million (スーパー定期); Rates before tax
銀行へ移動

「新規資金」とは他行から持ち込んだお金を指します。基準金利は常時適用される金利で、プロモは期間限定です。 金利の収集とチェック方法.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 0.55% at Rakuten Bank (楽天銀行)0.55%1か月3 months: 0.50% at Japan Post Bank (ゆうちょ銀行)0.50%3か月6 months: 1.20% at Aozora Bank (あおぞら銀行, BANK digital branch)1.20%6か月12 months: 1.40% at Aozora Bank (あおぞら銀行, BANK digital branch)1.40%12か月24 months: 1.50% at Aozora Bank (あおぞら銀行, BANK digital branch)1.50%24か月36 months: 1.60% at Aozora Bank (あおぞら銀行, BANK digital branch)1.60%36か月

Best rate open to any customer for ¥1,000,000 at each term, from today's verified offers. Hover a point for the bank.

金利が上がったらメールでお知らせ

二重オプトイン: まずメールで確認してください。ご希望の期間と金額に対する最適金利が上がった際に1通のメールをお送りします。ワンクリックで配信停止できます。

公式ベンチマーク

Uncollateralized overnight call rate (BOJ policy rate operating target), daily average 202610141.228%
BOJ basic discount rate and basic loan rate 2026091.50%

出典: boj.or.jp, stat-search.boj.or.jp。参考情報として表示しており、推奨ではありません。

預金保護: Deposit Insurance Corporation of Japan (DICJ)

上限¥10,000,000

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. 情報源, チェック済み 2026-10-18.

Where does your money earn most in Japan?

Best 12-month time deposit (Aozora Bank (あおぞら銀行, BANK digital branch))1.40%
Best savings account (Aozora Bank (あおぞら銀行, BANK digital branch))1.20%
Uncollateralized overnight call rate (BOJ policy rate operating target), daily average1.228%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Questions about deposits in Japan

What is the best 12-month time deposit rate in Japan today?

1.40% p.a. at Aozora Bank (あおぞら銀行, BANK digital branch) (minimum deposit: ¥500,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month time deposit rate in Japan today?

1.20% p.a. at Aozora Bank (あおぞら銀行, BANK digital branch) (minimum deposit: ¥500,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are time deposits in Japan protected?

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.

How many banks do you compare in Japan?

We list 8 providers. Rates for 8 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do time deposit rates compare with the Uncollateralized overnight call rate (BOJ policy rate operating target), daily average?

The Uncollateralized overnight call rate (BOJ policy rate operating target), daily average is 1.228% (20261014). The best 12-month time deposit rate open to any customer today is 1.40%.

Deposit rates in nearby countries

🇮🇳 India🇨🇳 China🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇵🇭 Philippines🇻🇳 Vietnam🇹🇭 Thailand

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