| TIME DEPOSIT INTEREST RATE | |
| AMOUNT | INTEREST/ANNUM |
| 1,000 – 50,000 | 2.10% |
| 50,001 – 100,000 | 2.20% |
| 100,001 – 300,000 | 2.30% |
| 300,001 – 500,000 | 2.40% |
| 500,001 – ABOVE | 3.00% |
Retirement Savings (RS) has several options. The RS 205 series require a contribution of (5) years and gives the saver an option to keep his/her money with FICCO for another one to five years more. A saver may buy several or a combination of plans.
TERM: 5 YEARS DEPOSIT PERIOD
| Contribution | Total Contribution | At the end of | Maturity Value | |
| Monthly | 200.00 | (12,000.00) | 5th year | 13,304.02 |
| Quarterly | 598.01 | (11,960.20) | 6th year | 13,846.06 |
| Semi-Annual | 1,190.08 | (11,900.80) | 7th year | 14,410.18 |
| Annual | 2,356.64 | (11,783.20) | 8th year | 14,997.28 |
| Lump-Sum | 10,896.00 | (10,896.00) | 9th year | 15,608.30 |
| 10th year | 16,244.18 |
TERM: 5 YEARS DEPOSIT PERIOD
| Contribution | Total Contribution | At the end of | Maturity Value | |
| Monthly | 100.00 | (6,000.00) | 5th year | 6,652.01 |
| Quarterly | 299.00 | (5,980.00) | 6th year | 6,923.03 |
| Semi-Annual | 595.04 | (5,950.40) | 7th year | 7,205.09 |
| Annual | 1,178.32 | (5,891.60) | 8th year | 7,498.64 |
| Lump-Sum | 5,448.02 | (5,448.02) | 9th year | 7,804.15 |
| 10th year | 8,122.09 |
TERM: 5 YEARS DEPOSIT PERIOD
| Contribution | Total Contribution | At the end of | Maturity Value | |
| Monthly | 676.50 | (40,590.00) | 5th year | 45,000.75 |
| Quarterly | 2,022.77 | (40,455.40) | 6th year | 46,834.15 |
| Semi-Annual | 4,025.44 | (40,254.40) | 7th year | 48,742.24 |
| Annual | 7,971.29 | (39,856.45) | 8th year | 50,728.06 |
| Lump-Sum | 36,855.77 | (36,855.77) | 9th year | 52,794.80 |
| 10th year | 54,945.74 |
The RS 215 series require a contribution period of ten (10) years and gives the saver an option to keep his/her money for another two (2) to ten (10) years, after the 10th year. A saver may also buy several or a combination of plans.
TERM: 10 YEARS DEPOSIT PERIOD
| Contribution | Total Contribution | At the end of | Maturity Value | |
| Monthly | 100.00 | (12,000.00) | 10th year | 14,774.05 |
| Quarterly | 299.01 | (11,960.40) | 12th year | 16,002.41 |
| Semi-Annual | 595.04 | (11,900.80) | 14th year | 17,332.90 |
| Annual | 1,178.32 | (11,783.20) | 16th year | 18,774.01 |
| Lump-Sum | 9,909.94 | (9,909.94) | 18th year | 20,334.92 |
| 20th year | 22,025.62 | |||
| 40th year | 48,953.79 |
TERM: 10 YEARS DEPOSIT PERIOD
| Contribution | Total Contribution | At the end of | Maturity Value | |
| Monthly | 169.22 | (20,306.40) | 10th year | 25,000.59 |
| Quarterly | 505.98 | (20,239.20) | 12th year | 27,079.21 |
| Semi-Annual | 1,006.92 | (20,138.40) | 14th year | 29,330.65 |
| Annual | 1,993.94 | (19,939.40) | 16th year | 31,769.29 |
| Lump-Sum | 16,769.51 | (16,769.51) | 18th year | 34,410.67 |
| 20th year | 37,271.68 | |||
| 40th year | 82,839.43 |
TERM: 10 YEARS DEPOSIT PERIOD
| Contribution | Total Contribution | At the end of | Maturity Value | |
| Monthly | 473.81 | (56,857.20) | 10th year | 70,000.94 |
| Quarterly | 1,416.71 | (56,668.40) | 12th year | 75,821.02 |
| Semi-Annual | 2,819.35 | (56,387.00) | 14th year | 82,124.99 |
| Annual | 5,582.97 | (55,829.70) | 16th year | 88,953.10 |
| Lump-Sum | 46,954.30 | (46,954.30) | 18th year | 96,348.94 |
| 20th year | 104,359.70 | |||
| 40th year | 231,948.09 |
The Installment Savings (IS) program is categorized into IS 110 & IS 120. The IS 110 requires a fixed contribution of P 100 or P 200 per month per plan. The saver may choose a term ranging from 12 months to 48 months and a saver may buy at his/her option, several plans:
| P 100.00 monthly savings | P 200.00 monthly savings | ||||
| TERM | TOTAL | MATURITY | TOTAL | MATURITY | |
| Contribution | VALUE | TERM | Contribution | VALUE | |
| 12 mos. | 1,200.00 | 1,226.32 | 12 mos. | 2,400.00 | 2,452.64 |
| 18 mos. | 1,800.00 | 1,858.09 | 18 mos. | 3,600.00 | 3,716.18 |
| 24 mos. | 2,400.00 | 2,502.60 | 24 mos. | 4,800.00 | 5,005.20 |
| 30 mos. | 3,000.00 | 3,160.12 | 30 mos. | 6,000.00 | 6,320.24 |
| 36 mos. | 3,600.00 | 3,830.90 | 36 mos. | 7,200.00 | 7,661.80 |
| 48 mos. | 4,800.00 | 5,213.29 | 48 mos. | 9,600.00 | 10,426.58 |
IS 120 gives the saver a choice of plans based on maturity values. The amount of periodic contribution also depends on the length of the term and the manner of payment (monthly, quarterly, semi-annual, annual or lump-sum) a saver can buy several or a combination of plans.
| TERM | MATURITY | MONTHLY | TOTAL | QUARTERLY | TOTAL |
| VALUE | DEPOSIT | DEPOSIT | DEPOSIT | DEPOSIT | |
| 12 mos. | 2,000.00 | 163.09 | (1,957.08) | 487.64 | (1,950.56) |
| 18 mos. | 3,000.00 | 161.46 | (2,906.28) | 482.76 | (2,896.56) |
| 24 mos. | 4,000.00 | 159.84 | (3,836.16) | 477.92 | (3,823.36) |
| 30 mos. | 5,000.00 | 158.23 | (4,746.90) | 473.09 | (4,730.90) |
| 36 mos. | 6,000.00 | 156.63 | (5,638.68) | 468.31 | (5,619.72) |
| 48 mos. | 8,000.00 | 153.46 | (7,366.08) | 458.84 | (7,341.44) |
| TERM | SEMI-ANNUAL | TOTAL | ANNUAL | TOTAL | |
| DEPOSIT | DEPOSIT | DEPOSIT | DEPOSIT | LUMP SUM | |
| 12 mos. | 970.45 | (1,940.90) | 1,921.71 | (1,921.71) | 1,921.71 |
| 18 mos. | 960.73 | (2,882.19) | 1,908.64 | (2,862.96) | 2,825.59 |
| 24 mos. | 951.08 | (3,804.32) | 1,883.35 | (3,766.70) | 3,692.97 |
| 30 mos. | 941.48 | (4,707.40) | 1,867.90 | (4,669.75) | 4,524.94 |
| 36 mos. | 931.96 | (5,591.76) | 1,845.51 | (5,536.53) | 5,322.60 |
| 48 mos. | 913.12 | (7,304.96) | 1,808.18 | (7,232.72) | 6,818.98 |
