Safe • Trusted • High Returns

Grow Your Savings
With Confidence

Secure your future through PERA MPC Time Deposit plans with competitive interest rates, guaranteed maturity, and trusted cooperative service.

View Plans How It Works

8%

Max Rate

₱10K

Start Deposit

1998

Trusted Since
Growing Returns
Savings
Secure Investment
Why Choose Us

Built for Secure & Smart Investing

Grow your savings confidently with secure investments, strong returns, and full transparency from PERA MPC.

High Competitive Returns

Earn up to 8% annual interest with structured time deposit plans designed to maximize growth.

Secure & Trusted

Established since 1998, your savings are managed by a stable and trusted cooperative institution.

Transparent Earnings

No hidden fees. Enjoy clear, tax-free returns with full visibility of your investment growth.

Time Deposit Plans

Choose the best term and amount to maximize your earnings with guaranteed returns.

Current Time Deposit Interest Rates (Per Annum)
Deposit Amount (₱) 90 Days 180 Days 365 Days Lock-in Period
2 Years 3 Years
10,000 – 49,999 4.00% 4.50% 5.00% - -
50,000 – 99,999 4.25% 4.75% 5.25% - -
100,000 – 499,999 5.00% 5.50% 6.00% - -
500,000 – 999,999 5.50% 6.00% 6.50% 7.00% 7.25%
1,000,000 and above 6.00% 6.50% 7.00% 7.50% 8.00%
Calculate Potential Earnings

Estimate your time deposit growth instantly

₱
Time Deposit Summary
Principal ₱0.00
Term -
Rate -
Monthly Interest ₱0.00
Total Interest ₱0.00
Maturity Amount ₱0.00

How It Works

Start your PERA MPC Time Deposit in just a few easy steps. Secure, guided, and professionally managed.

01

Become a Member

Register as a PERA MPC member and unlock access to trusted financial services and investment products.

02

Prepare Requirements

Submit your valid IDs, forms, and other membership requirements for verification.

03

Select Your Plan

Choose the deposit amount and preferred term based on your financial goals.

04

Submit Placement

Confirm your application and place your funds securely into your chosen deposit plan.

05

Earn & Grow

Watch your savings grow with competitive rates and guaranteed maturity returns.

What Our Members Say

Real feedback from members who trust our time deposit program.

“The investment process is simple, transparent, and very reliable. I feel confident placing my savings here.”

Anonymous Member
Verified Investor

“Returns are consistent and updates are always clear. This is a trustworthy cooperative.”

Anonymous Member
Verified Investor

“One of the safest and most transparent savings programs I’ve ever joined.”

Anonymous Member
Verified Investor

Frequently Asked Questions

Find answers to common questions about our services.

You must first become a member of the cooperative. Time Deposit product is offered to members only. To become a member, the following shall be complied :
(1) Attend Pre-membership Education Seminar
(2) Pay Membership Fee Php500
(3) Pay Initial Required Share Capital P1,000.00
(4) Fill -out necessary Forms (membership forms and time deposit placement forms)

The requirements are basic and simple.
(1) Signed Placement Forms
(2) 2 Valid IDs
(3) TIN
(4) Deposit Amount

PERA MPC provides flexible amount and term for time deposit.
(1) Minimum amount of Php10,000;
(2) Flexible Term : 90 days, 180 days, 365days;
(3) Competitive interest : 4%-8%;
(4) For 2 years and 3 years lock in terms, minimum amount is Php500,000

At the depositor's option.

(1) Monthly interest payout with flexible payment options (bank deposit, over the counter, online transfer)
(2) Interest payout at maturity
(3) Add to principal deposit upon roll- over

Note: The monthly interest payout option is available only for deposits exceeding Php100,000.

At the depositor's option.

(1)Monthly interest payout with flexible payment options (bank deposit, over the counter, online transfer) (2)Interest payout at maturity (3)Add to principal deposit upon roll- over

Note: The monthly interest payout option is available only for deposits exceeding Php100,000.