Compare 定期預金 (Fixed Deposits) in Japan

Compare fixed deposit / term deposit rates at Japanese banks.

20 live 定期預金 (fixed deposits) offers tracked across 20 Japanese providers, with rates from 2.50% gross. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 20 providers, from 2.50% gross. Updated daily.

MUFG Fixed Deposit Japan Fixed Deposits MUFG Fixed Deposit Japan

2.50% gross

  • Interest Rate: 2.5%

Gunma Fixed Japan Fixed Deposits Gunma Fixed Japan

2.75% gross

  • Interest Rate: 2.75%

SMBC Fixed Japan Fixed Deposits SMBC Fixed Japan

3% gross

  • Interest Rate: 3.0%

Ashikaga Fixed Japan Fixed Deposits Ashikaga Fixed Japan

3.15% gross

  • Interest Rate: 3.15%

Aeon Fixed Japan Fixed Deposits Aeon Fixed Japan

3.25% gross

  • Interest Rate: 3.25%

Mizuho Fixed Japan Fixed Deposits Mizuho Fixed Japan

3.50% gross

  • Interest Rate: 3.5%

Shizuoka Fixed Japan Fixed Deposits Shizuoka Fixed Japan

3.75% gross

  • Interest Rate: 3.75%

Kiraboshi Fixed Japan Fixed Deposits Kiraboshi Fixed Japan

3.95% gross

  • Interest Rate: 3.95%

Resona Fixed Japan Fixed Deposits Resona Fixed Japan

4% gross

  • Interest Rate: 4.0%

Hachijuni Fixed Japan Fixed Deposits Hachijuni Fixed Japan

4.25% gross

  • Interest Rate: 4.25%

Japan Post Fixed Fixed Deposits Japan Post Fixed

4.50% gross

  • Interest Rate: 4.5%

Tokyo Star Fixed Japan Fixed Deposits Tokyo Star Fixed Japan

4.55% gross

Tokyo Star Fixed Japan Fixed Deposits: Interest Rate 4.55%.

  • Interest Rate: 4.55%

Fukuoka Fixed Japan Fixed Deposits Fukuoka Fixed Japan

4.75% gross

  • Interest Rate: 4.75%

Rakuten Fixed Japan Fixed Deposits Rakuten Fixed Japan

4.75% gross

  • Interest Rate: 4.75%

Sumitomo Trust Fixed Fixed Deposits Sumitomo Trust Fixed

4.85% gross

  • Interest Rate: 4.85%

SBI Fixed Japan Fixed Deposits SBI Fixed Japan

5% gross

  • Interest Rate: 5.0%

Ogaki Fixed Japan Fixed Deposits Ogaki Fixed Japan

5.10% gross

  • Interest Rate: 5.1%

Sony Fixed Japan Fixed Deposits Sony Fixed Japan

5.25% gross

  • Interest Rate: 5.25%

Joyo Fixed Japan Fixed Deposits Joyo Fixed Japan

5.30% gross

  • Interest Rate: 5.3%

Seven Fixed Japan Fixed Deposits Seven Fixed Japan

5.50% gross

Seven Fixed Japan Fixed Deposits: Interest Rate 5.5%.

  • Interest Rate: 5.5%

What are fixed deposits in Japan?

A fixed deposit (定期預金, teiki yokin) is a time deposit that locks a sum of money for a set term — from one month to several years — in return for a higher interest rate than an ordinary savings account. After a long era of near-zero rates, Japanese fixed deposits have become more attractive as interest rates have edged up, and they remain the go-to safe home for money savers do not need immediately.

How the Japanese market works

Every bank offers teiki yokin, but rates and campaigns vary. Online and retail-linked banks such as Aeon Fixed Japan often run promotional rates to win deposits, regional banks like Fukuoka, Hachijuni, Joyo and Ogaki compete locally, and megabanks such as MUFG and Mizuho plus Japan Post Bank offer nationwide stability. Special campaign deposits, tiered rates for larger balances, and auto-renewal options are common differentiators.

Benefits

Guaranteed return — the interest rate is fixed for the term, so you know exactly what you will earn.

Deposit insurance — balances are protected under DICJ deposit insurance up to ¥10 million in principal plus interest per depositor per bank.

Simple and safe — no market risk and no fees, making it ideal for capital you want to preserve.

How to choose

Compare the annual rate for the term you want, and watch for promotional rates that apply only to new money or specific balance bands. Decide on the term carefully, since early withdrawal usually forfeits most of the agreed interest. Check whether the deposit auto-renews at the prevailing rate or matures to your ordinary account, and keep any single bank's balance within the ¥10 million insured ceiling to stay fully protected.

Leading providers in Japan

Aeon Fixed Japan and other online-linked banks often top the rate tables with campaigns. Regional banks — Fukuoka Fixed Japan, Hachijuni Fixed Japan, Joyo Fixed Japan and Ogaki Fixed Japan — serve local savers competitively. MUFG Fixed Deposit Japan, Mizuho Fixed Japan and Japan Post Fixed offer the reassurance of the largest institutions and nationwide access.

What it costs

Fixed deposits carry no account fee — you simply commit the principal for the term. Advertised annual rates in the current market span roughly 0.025% to around 0.5%, with the highest figures usually tied to promotional campaigns, longer terms or larger balances. Interest is subject to the standard withholding tax on deposit interest. Breaking the deposit early typically drops you to a much lower penalty rate.

Protections and regulation

Banks are supervised by the Financial Services Agency (FSA), and deposits are covered by the Deposit Insurance Corporation of Japan (DICJ): up to ¥10 million of principal plus accrued interest per depositor at each insured bank is protected if the bank fails. This makes fixed deposits one of the safest savings vehicles available, provided you keep within the insured limit at any single institution.

Common questions

Can I withdraw early? Usually yes, but you forfeit most of the promised interest and receive a low penalty rate on early cancellation.

Are my savings safe? Yes — DICJ insurance covers up to ¥10 million plus interest per bank, so spreading larger sums across banks keeps everything protected.

Fixed-Rate Deposits in Japan — FAQ

What is the best fixed deposit rate in Japan right now?

Giraffy tracks 20 fixed-rate deposit accounts across 20 banks in Japan. Sort by highest rate and compare term lengths to see which account suits your timeline.

What is a fixed-rate deposit and how does it work?

A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.

Are fixed deposits safe?

Yes — the Deposit Insurance Corporation (DIC) protects up to ¥10,000,000 per bank. Fixed deposits at FSA-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.

Can I withdraw money early from a fixed deposit?

Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.

What is the difference between a fixed deposit and an easy-access savings account?

Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.

What happens at the end of a fixed deposit term?

At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.

How are fixed deposit rates set in Japan?

Fixed deposit rates are closely linked to the central bank's benchmark rate. When the Financial Services Agency (FSA) raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.