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Indonesia 的最佳 3 个月 deposito berjangka 利率

针对 Rp10,000,000 存款的每家提供商最佳 3 个月利率，面向所有客户，数据来源于各银行官网。最近一次核查时间：18 Oct 2026, 05:37 UTC。

银行	年利率	期限	存款	详情	链接
Bank Neo CommerceDeposito WOW	6.75%≈ Rp168,750 (3 个月)	3 个月	Rp100,000 +	促销 Promo rate valid 1 to 31 October 2026; Minimum Rp100.000; Above the LPS guarantee rate (3.75%), so not LPS-insured	前往银行
Bank JagoDeposito	5.50%≈ Rp137,500 (3 个月)	3 个月	Rp1,000,000 – Rp99,999,999	基准利率通过 App; Lowest amount tier; higher tiers pay more; Above the LPS guarantee rate (3.75%), so not LPS-insured	前往银行
SeaBank IndonesiaDeposito	5.25%≈ Rp131,250 (3 个月)	3 个月	未说明	基准利率 Rate locked at opening; Above the LPS guarantee rate (3.75%), so not LPS-insured	前往银行
CIMB NiagaDeposito Konvensional Rupiah	4.00%≈ Rp100,000 (3 个月)	3 个月	Rp8,000,000 – Rp99,999,999	基准利率通过 OCTO app; Rate when opened in the OCTO app; branch rates are lower; Minimum Rp 8 Juta; Higher amount tiers pay more	前往银行
Bank DanamonDeposito Berjangka	2.50%≈ Rp62,500 (3 个月)	3 个月	Rp8,000,000 +	基准利率 Regular (branch) time deposit, one rate for all amounts from Rp8 million	前往银行
Bank MandiriDeposito Rupiah	2.25%≈ Rp56,250 (3 个月)	3 个月	最高 Rp99,999,999	基准利率 Interest paid monthly or at maturity; Same rates are shown for every amount tier up to ≥ Rp 5 M	前往银行

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存款保障：LPS

限额Rp2,000,000,000

LPS guarantees deposits up to Rp2 billion per depositor per bank (since 13 October 2008). A deposit is only covered if it meets the '3T' test: recorded in the bank's books, its interest rate does not exceed the LPS guarantee rate (Tingkat Bunga Penjaminan; 3.75% for rupiah deposits at commercial banks for 1 Oct 2026 to 31 Jan 2027), and the depositor did not cause the bank's failure. Deposits paying above the LPS rate are NOT insured. 来源, 已检查 2026-10-18.

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。