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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