Our Services

Loans

Sakto Loans Sakto Loans is classified as Short-Term with variety of term of 2 months, 4 months and 5 months that is payable in lump sum on due date. These type of loan can be use for a variety of purposes that includes Farming, Hog Raising and Poultry
Pangarap Loans These type of loan is offered to those who need funds for Business, House Construction, House Improvement and Purchase of Lot and can be availed for a term of 3 years to 5 years. Mode of payment for these type of loan is monthly. However, should the client wish to settle the loan prior to the end of the Original Term in the Disclosure, an additional Pre-Termination fee of 3% shall be charged to the client.
Tayo’y Mag-Alaga Loan These type of loan is offered to those who need funds for either Poultry, Livestock or Cattle. It offers 6 months to 9 months term and payable in lump sum. Another feature for these type of loan is that it can be renewed on its due date by paying the interest of the loan.
Tayo’y Mag-Ani Loan This product offers credit support to agriculture and agricultural-related projects specifically Farming of Palay/Vegetable and Purchase of Fertilizer. These also offers 6 months to 9 months term and payable in lump sum. Just like in Tayo’y Mag-Alaga Loan, it can also be renewed on its due date by paying the interest of the loan.
Tayo’y Mag-Abroad Loan Tayo’y Mag-Abroad Loan is solely use for Placement Fee with a term of 12 months or 24 months (subject to confirmation of length of contract). If the client who wish to avail the loan is former OFW, the mode of payment is monthly amortization while if the loan is to be use as placement fee for initial application as OFW, the mode of payment is lump sum.
Tayo’y Mag-Negosyo Loan Tayo’y Mag-Negosyo Loan offers financial assistance for business-related purposes whether capital and start-up expenses for business or payment  for expansion of the business. With a variety of terms that can be availed which include 12 months, 18 months or 24 months (subject to verification of Capacity to Pay), these type of loan is also payable monthly (if with existing business) or lump sum (if business is yet to establish).
Tayo’y Mag-Bahay at Lupa Loan The primary purpose of these type of loan is to facilitate Purchase of House/Lot, finance House Construction and Purchase of Construction Materials or Improvement of Lot. Term of these loan is 12 months or 24 months. Mode of Payment depends on the source of income of the client that can either be payable semi-annually (if source of income of the client is agriculture in nature) or monthly amortization ( if source of income of the client is monthly in nature like Salary, Remittance or Pension).
At Iba Pa Loan Other Purposes that are not specified from all other loan type fall under these type of loan. Other Purpose of Loan can be for Consumption, Emergency Loan, Personal Loan, Hospitalization, Purchase of Medicine, Educational Purpose, Travel/Vacation and Purchase or Repair of Vehicle. The term of these loan is 3 months, 6 months and 9 months that is payable lump sum.

Deposits

Regular Savings Deposit An Initial Deposit of P100.00 shall be required from the depositor and shall be the minimum maintaining balance. Deposits shall earn interest at such rate determined by the Bank with a minimum of P500.00 and shall be subject to 20% withholding tax computed based on actual daily cleared balance compounded quarterly. All deposits are insured up to P500,000.00 per depositor as per PDIC Rules and Regulation.
Golden Savings Deposit An Initial Deposit of P15,000.00 shall be required from the depositor and shall be the minimum maintaining balance. These type of deposit has a variety of term from which the client can choose. Minimum term is 90 days up to 360 days but not more than 5 years. Interest of which will be computed based on the number of days used times the stipulated rate and subject to 20% withholding tax. Withdrawal before half of the term stipulated in the GSD Passbook shall get an interest rate which is ¼ or 25% of the rate stipulated and those who withdraw after the ½ period but before the maturity date shall get half or 50% of the interest stipulated. All deposits are insured up to P500,000.00 per depositor as per PDIC Rules and Regulation.
Golden Savings Deposit with 5 years and 1 day Term Bank offers a GSD with 5 years and 1 day account with an initial deposit of P300,000.00 but not more than 3 Million (subject for approval). This type of account requires the depositor to open an Auto-Transfer Savings account wherein the interest earned from the GSD Account shall be deposited every 30 days. Interest shall be exempt from income tax. In case of pre-termination of the account, the interest shall be subject to the graduated rates of Final Withholding Tax and shall be deducted and withheld by the bank from the proceeds of the long-term deposit based on the remaining maturity thereof.
Checking Account Initial Deposit for Current Account shall be P10,000.00 and this shall also be the minimum maintaining balance of the account. Incase of Return Check, a Depositor shall pay a Service Charge of P2,050.00 per check plus P205 for every forty thousand (P40,000.00) and a fraction thereof. Deposits shall earn interest at such rate determined by the Bank with a minimum of P500.00 and shall be subject to 20% withholding tax computed based on actual daily cleared balance compounded quarterly. All deposits are insured up to P500,000.00 per depositor as per PDIC Rules and Regulation.
SUBASTA SALES The Bank offers Real Estate Properties Sale. It can be on lump sum payment or installment payable in two years. Public Bidding is done every 3rd Wednesday of the month to those who are interested in buying acquired properties.

Other Services

BDO POS This service offers a convenient and safe withdrawal using ATM Card or Debit Card in partnership of Banco de Oro (BDO). The Teller will swipe their card and then the Client will enter their PIN (Personal Identification Number) in order to withdraw over-the-counter. Convenience Fee is P25.00 in every P5,000.00 withdrawal.
RuralNet Bills Payment This service also allows clients to pay Bills thru Rural Net conveniently. The bank accepts payment for the following: Telecommunications – PLDT, GLOBE, SMART, INNOVE, BAYAN, PILTEL, SUN CELLULAR, DIGITEL, Power & Utilities – VECO, BENECO, SUBIC ENERZONE, MAYNILAD, DAVAO LIGHT, ILO-ILO ELECTRONIC COOP., MANILA WATER, PRIMEWATER, STA. LUCIA, Cable & Internet – SMARTBRO, SKYCABLE, WITRIBE, PLANETCABLE, CABLELINA, PILIPINO CABLE, CIGNAL.