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Best 12-month time deposit rates in Taiwan

Best 12-month rate per provider for a 100,000 TWD deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
E.SUN Commercial Bank (玉山銀行)定期存款 Time Deposit (fixed rate)	1.705%≈ 1,705 TWD in 12 months	12 months	up to 2,999,999 TWD	Board rate Board rate, fixed-rate column; Under NT$3,000,000 (NT$3,000,000 and above uses 大額 rates)	Go to bank
Bank of Taiwan (臺灣銀行)Time Deposit (fixed rate)	1.70%≈ 1,700 TWD in 12 months	12 months	up to 4,999,999 TWD	Board rate Fixed-rate column, deposits under NT$5,000,000	Go to bank
Land Bank of Taiwan (臺灣土地銀行)定期存款 Time Deposit (fixed rate)	1.70%≈ 1,700 TWD in 12 months	12 months	Not stated	Board rate Board rate, fixed-rate column; Large deposits have separate 大額 rates (published on a separate page)	Go to bank
Cathay United Bank (國泰世華銀行)定存 Time Deposit (fixed rate)	1.645%≈ 1,645 TWD in 12 months	12 months	up to 2,999,999 TWD	Board rate 定存 board rate, fixed-rate column; Under NT$3,000,000 (larger deposits have separate 大額 rates)	Go to bank

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

Deposit protection: Central Deposit Insurance Corporation (CDIC)

Limit3,000,000 TWD

Since 1 January 2011 each depositor's principal and interest at the same insured institution in Taiwan is covered up to a maximum of NT$3 million. 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.