The benchmark 91-day T-bill rate is below 5%. 2 years ago, it was hovering at 11 - 13%. Maganda sana, kaya lang yung lending rates ng banko, halos nasa same level pa rin today vis-a-vis 2 years ago. Taas masyado ng spread nila.

Universal & Commercial Banks usually offer a graduated rate for TD's, depending on the length and amount of placement, ranging from 3-5% gross. For a 5-year term, the highest I've seen so far is World Partners Bank (7.5% net), Planters Devt. Bank & Robinson's Savings Bank (7%). Last month pa to, don't know kung nagbago na.