Singapore dollars.

For how long
Or start from a common case

On $30,000 for 1 year, a 12-month fixed deposit at CIMB pays the most of the options here: about $690. Next: a 1-year T-bill, at about $575.

$10,000 more would add about $230 with a 12-month fixed deposit at CIMB.

Where it could goInterest over 1 yearMoney back
Fixed deposit: CIMB2.30% for 1 year · online · S$10,000+ · until 30 Nov. Next: Maybank at 2.19%.$690On 14 Nov 2027If needed early: bank’s terms: often little or no interest
1-year T-bill1.92% cut-off at the 15 Oct auction (about 1.96% on the cash paid). Next auction 21 Jan, issued 26 Jan.$575On 25 Jan 2028If needed early: sell at a bank branch, at that day’s price
Two 6-month T-bills1.86% cut-off at the 4 Nov auction (about 1.88% on the cash paid). Next auction 19 Nov, issued 24 Nov. 2 in a row; assumes each gets 1.86% again (the last 26 ranged 1.36% to 1.95%).$556About 23 Nov 2027If needed early: sell at a bank branch, at that day’s price
Savings Bond SBDEC261.83% in year 1. Apply by 25 Nov, issued 1 Dec. Less $4 in fees.$545Early Dec 2027If needed early: any month, with interest to then

Interest is what you’d have over the whole time, after fees, in today’s rates. Each option starts earning on its own date (in its row); days before that earn nothing in these sums. Fixed deposits: the highest deal from the banks we read that fits the amount and length, with no banking tier or new-customer deal. Not advice: a list of the options by what they pay.
Whose money, needing it early, and the bank deals
The money is

CPF: only the OA savings above the first $20,000 can be invested (CPF Board).

How the interest is worked out

Fixed deposits: amount × rate × months ÷ 12, at the highest rate a deal pays for that amount and length, from the banks’ own pages (read twice a day). Deals for a bank’s premier or private clients and for new customers only are left out.

T-bills: MAS’s formula, price per $100 = 100 − days ÷ 365 × cut-off yield, in $1,000 lots, at the last auction’s cut-off. Rolled over, each later T-bill is assumed to get the same cut-off. Paid with CPF: less the agent bank charges, and less the OA interest the money would have earned in the months it’s out (CPF stops it from the month the money leaves and restarts it the month after it’s back).

Savings Bonds: MAS’s coupons for this issue, every 6 months, and the interest to date if cashed in between, in $500 lots up to $200,000, less $2 to apply and $2 to cash in.

CPF OA: this quarter’s rate, worked out monthly and added each December, so a second year earns on the first year’s interest.

Data: each bank’s own website, checked 13 Nov 2026. Full table and method on Numbers.sg