• Fixed Deposit Schemes Offering Highest Interest Rates for 3 Years

    The fixed deposit schemes offered by banks in Singapore give you the opportunity to invest in multiple currencies and maximise your earning potential. As some foreign currencies have higher value and yield more through conversion rates, you will make more money in the long run. If you want to earn more interest on your deposit, you can opt for deposits with longer tenure and earn more in the process. Most banks in Singapore offer tenures of up to 3 years (and even more) with their fixed deposit or time deposit schemes.

    Banks Offering Best Fixed Deposit Rates for 3 Years

    Interest rates offered with time deposits of up to 3 years by top banks in Singapore are as given below.

    1. RHB Bank
    2. Singapore Dollar Time Deposit rates

      Deposit Amounts

      up to SGD 49,999

      Term Tenure Interest Rates
      1 Month 0.200%
      2 Months 0.300%
      3 Months 0.3125%
      6 Months 0.375%
      9 Months 0.400%
      12 Months 0.450%
      18 Months 0.7500%
      24 Months 0.8500%
      36 Months 1.00%

      RHB Bank does not offer a tenure of 3 years with its foreign currency fixed deposit schemes.

    3. Maybank
    4. iSAVvy Time Deposit
      Deposit Amount: - SGD 5,000 - SGD 24,999
      Tenure Interest Paid Upfront Interest paid on maturity (Interest on interest) Total Interest Paid
      3 0.25% p.a. 80% interest is paid upfront 0.45% p.a.
      6 0.25% p.a. 120% interest is paid upfront 0.55% p.a.
      Deposit Amount: - SGD 25,000 to SGD 50,000
      Tenure Interest Paid Upfront Interest paid on maturity (Interest on interest) Total Interest Paid
      3 0.25% p.a. 80% of interest is paid upfront 0.45% p.a.
      6 0.25% p.a. 120% of interest is paid upfront 0.55% p.a.
      12 0.25% p.a. 240% interest is paid upfront 0.85% p.a.
      24 0.25% p.a. 380% of interest is paid upfront 1.2% p.a.
      36 0.25% p.a. 460% of interest is paid upfront 1.4% p.a.
      Deposit Amount: - SGD 50,001 to SGD 249,999
      Tenure Interest Paid Upfront Interest paid on maturity (Interest on interest) Total Interest Paid
      3 0.25% p.a. 80% of upfront interest 0.45 % p.a.
      6 0.25% p.a. 120% of upfront interest 0.55% p.a.
      12 0.25% p.a. 420% of upfront interest 0.85% p.a.
      24 0.25% p.a. 380% of upfront interest 1.2% p.a.
      36 0.25% p.a. 460% of upfront interest 1.4% p.a.
      Deposit Amount: - SGD 250,000 to SGD 1,000,000
      Tenure Interest Paid Upfront Interest paid on maturity (Interest on interest) Total Interest Paid
      3 0.25% p.a. 80% of upfront interest 0.45 % p.a.
      6 0.25% p.a. 120% of upfront interest 0.55% p.a.
      12 0.25% p.a. 420% of upfront interest 0.85% p.a.
      24 0.25% p.a. 380% of upfront interest 1.2% p.a.
      36 0.25% p.a. 460% of upfront interest 1.4% p.a.
      Singapore Dollar Time Deposit Rates
      Tenure

      SGD 1,000

      to

      SGD 50,000

      SGD 50,001

      to

      SGD 99,999

      SGD 100,000

      to

      SGD 249,999

      SGD 250,000

      to

      SGD 999,999

      1* month 0.2000% 0.2000% 0.2000% 0.2000%
      2 months 0.3000% 0.3000% 0.3000% 0.3000%
      3 months 0.3500% 0.3500% 0.3500% 0.3500%
      6 months 0.4000% 0.4000% 0.4000% 0.4000%
      9 months 0.5500% 0.5500% 0.6000% 0.6000%
      12 months 0.7000% 0.7000% 0.7000% 0.7500%
      18 months 0.9000% 0.9000% 0.9000% 0.9500%
      24 months 1.0000% 1.0000% 1.0000% 1.1000%
      36 months 1.4000% 1.4000% 1.4000% 1.400%
      * For a tenure of 1 month the minimum deposit amount is S$10,000.        

      Maybank does not offer a tenure of 3 years with its foreign currency fixed deposit schemes.

    5. OCBC Bank
    6. SGD Time Deposit

      Deposit Amount Interest Rates
      SGD 5,000 to SSGD 20,000
      1 to 2 months 0.0500
      3 to 5 months 0.1000
      6 months 0.1500
      7 to 8 months 0.1500
      9 to 11 months 0.2000
      12 to 14 months 0.2500
      15 months 0.5500
      18 months 0.5500
      24 months 0.5500
      36 months 0.6500
      48 Months 1.25
      Deposit Amount Interest Rates
      S$20,000 to S$50,000  
      1 to 2 months 0.05% p.a.
      3 to 5 months 0.1% p.a.
      6 months 0.15% p.a.
      7 to 8 months 0.15% p.a.
      9 to 11 months 0.2% p.a.
      12 to 14 months 0.25% p.a.
      15 months 0.55% p.a.
      18 months 0.55% p.a.
      24 months 0.55% p.a.
      36 months 0.65% p.a.
      48 months 1.25% p.a.
      Interest rates for deposit amount of S$50,000 to S$99,999
      1 to 2 months 0.05% p.a.
      3 to 5 months 0.1% p.a.
      6 months 0.15% p.a.
      7 to 8 months 0.15% p.a.
      9 to 11 months 0.2% p.a.
      12 to 14 months 0.25% p.a.
      15 months 0.55% p.a.
      18 months 0.55% p.a.
      24 months 0.55% p.a.
      36 months 0.65% p.a.
      Interest rates for Deposit amount of S$100,000 – S$249,999
      1 to 2 months 0.05% p.a.
      3 to 5 months 0.1% p.a.
      6 months 0.15% p.a.
      7 to 8 months 0.15% p.a.
      9 to 11 months 0.2% p.a.
      12 to 14 months 0.25% p.a.
      15 months 0.55% p.a.
      18 months 0.55% p.a.
      24 months 0.55% p.a.
      36 months 0.65% p.a.
      Interest rates for deposit amount of S$250,000 to S$499,999
      1 to 2 months 0.05% p.a.
      3 to 5 months 0.1% p.a.
      6 months 0.15% p.a.
      7 to 8 months 0.15% p.a.
      9 to 11 months 0.2% p.a.
      12 to 14 months 0.25% p.a.
      15 months 0.55% p.a.
      18 months 0.55% p.a.
      24 months 0.55% p.a.
      36 months 0.65% p.a.
      Interest rates for deposit amount of S$500,000 to S$999,999
      1 to 2 months 0.05% p.a.
      3 to 5 months 0.1% p.a.
      6 months 0.15% p.a.
      7 to 8 months 0.15% p.a.
      9 to 11 months 0.2% p.a.
      12 to 14 months 0.25% p.a.
      15 months 0.55% p.a.
      18 months 0.55% p.a.
      24 months 0.55% p.a.
      36 months 0.65% p.a.

      OCBC Bank does not offer tenures of 3 years with foreign currency time deposits.

    7. UOB
    8. UOB Singapore Dollar Fixed Deposit Interest Rates

      Deposit Range 1 Months 2 Months 3 Months 4 Months 5 Months 6 Months 7 Months 8 Months
      Below S$ 50,000 0.05 0.05 0.10 0.10 0.10 0.15 0.15 0.15
      S$50,000 to S$ 249,999 0.05 0.05 0.10 0.10 0.10 0.15 0.15 0.15
      S$ 250,000 to S$ 499,999 0.05 0.05 0.10 0.10 0.10 0.15 0.15 0.15
      S$ 500,000 to S$ 999,999 0.05 0.05 0.10 0.10 0.10 0.15 0.15 0.15
      Deposit Range 9 Months 10 Months 11 Months 12 Months 13 Months 14 Months 15 Months 18 Months 24 Months 36 Months
      Below S$ 50,000 0.2 0.2 0.2 0.25 0.25 0.25 0.25 0.5 0.7 1.00
      S$ 50,000 to S$ 249,999 0.2 0.2 0.2 0.25 0.25 0.25 0.25 0.5 0.7 1.00
      S$ 250,000 to S$ 499,999 0.2 0.2 0.2 0.25 0.25 0.25 0.25 0.5 0.7 1.00
      S$ 500,000 to S$ 999,999 0.2 0.2 0.2 0.25 0.25 0.25 0.25 0.5 0.7 1.00

      UOB Bank does not offer tenures of 3 years with foreign currency time deposits.

    9. Standard Chartered Bank
    10. Time Deposits Singapore Dollar Time Deposit Rates
        Below 20,000 20,000 to 49,999 50,000 to 99,999 100,000 to 499,999 500,000 to above  
      1 month 0.0500 0.0500 0.0500 0.0500 0.0500  
      3 months 0.1000 0.1000 0.1000 0.1000 0.1000  
      6 months 0.2000 0.2000 0.2000 0.2000 0.2000  
      9 months 0.3000 0.3000 0.3000 0.3000 0.3000  
      12 months 0.3500 0.3500 0.3500 0.3500 0.3500  
      15 months 0.500 0.500 0.500 0.500 0.500  
      18 months 0.500 0.500 0.500 0.500 0.500  
      24 months 0.550 0.550 0.550 0.550 0.550  
      36 months 0.7200 0.7200 0.7200 0.7200 0.7200  

    11. Bank of China
    12. Bank of China Fixed Deposit Rates

      Deposit Amount/Tenure 1 Month 3 Months 6 Months 9 Months 12 Months 24 Months 36 Months
      Up to S$ 19,999.99 0.175 0.3 0.4 0.45 0.6 0.7 0.7
      S$ 20,000.00 to S$ 49,999.99 0.1875 0.35 0.45 0.5 0.6 0.725 0.725
      S$ 50,000.00 to S$ 99,999.99 0.1875 0.35 0.45 0.5 0.6 0.725 0.725
      S$ 100,000.00 to S$ 299,999.99 0.1875 0.35 0.45 0.5 0.6 0.725 0.725
      S$ 300,000.00 to S$ 499,999.99 0.1875 0.35 0.45 0.5 0.6 0.725 0.725
      S$ 500,000.00 and Above 0.1875 0.375 0.5 0.625 0.6875 0.76 0.95
    Fixed Deposits from Top Banks
    Foreign Currency Fixed Deposits from Top Banks
    Currency Specific Fixed Deposit
    US Dollar Foreign Currency Fixed Deposit by Bank
    Australian Dollar Foreign Currency Fixed Deposit by Bank
    GBP Foreign Currency Fixed Deposit by Bank
    NZD Foreign Currency Fixed Deposit by Bank
    Euro Foreign Currency Fixed Deposit by Bank
    Canadian Dollar Foreign Currency Fixed Deposit by Bank
    Fixed Deposit Promotion by Banks
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