Singapore interest rates

• Highest 12-month fixed deposit2.30%Online and other conditions · CIMB
• 6-month T-bill1.86%▼ 0.09down 0.09 percentage pointsCut-off yield, auction 4 Nov 2026 · MAS
• Singapore Savings Bond, 10-year average2.39%▼ 0.06down 0.06 percentage pointsSBDEC26: 1.83% in year 1. Apply by 25 Nov · MAS
• CPF Ordinary Account2.50%to 31 Dec 2026 · CPF Board
• 3-month compounded SORA1.35%Published 12 Nov · MAS
• 1-year T-bill1.92%▲ 0.24up 0.24 percentage pointsCut-off yield, auction 15 Oct 2026 · MAS
• CPF Special, MediSave, Retirement4.00%to 31 Dec 2026 · CPF Board
• CPF contribution rate, aged 55 and below37%20% from you, on pay up to $8,000 · CPF Board

All rates today, side by side

Every rate we track, turned into the same thing: what it pays a year, how long your money is tied up, the least you can put in and what money you can use. Each one comes from the agency or bank that sets it, with the time we checked.

Sorted by the rate, highest first. The order is the numbers’ alone: no bank or agency pays for a place, and it is not advice on what to choose. Each rate links to its own page, with the source.

Does locking money away pay more?

Today, money tied up for 10 years earns 2.39% a year on average, against 2.30% for one year: locking it away longer pays little more. The tallest bar, 3.70%, is Syfe Cash+ Enhanced’s own figure (projected, after fees), not a promised rate.

Best rate today

Tap or hover on a column to read it.

0%1%2%3%4%

Next day2–4 days3 months6 months1 year2 years5 years10 years

• Next day 1.70%: Syfe Cash+ Flexi, projected, after fees: can change any day
• 2–4 days 3.70%: Syfe Cash+ Enhanced, projected, after fees: can change any day
• 3 months 2.30%: Bank of China fixed deposit
• 6 months 2.30%: Bank of China fixed deposit
• 1 year 2.30%: CIMB fixed deposit
• 2 years 2.20%: HL Bank fixed deposit
• 5 years 2.16%: SBDEC26 Savings Bond, average if held 5 years
• 10 years 2.39%: SBDEC26 Savings Bond, average if held 10 years

Which fits your money?

The right place for money depends less on the rate than on when you might need it back and what kind of money it is. Start from your situation, then work out the numbers for your own amount.

• Cash, and you’re not sure where it should go

  Fixed deposits, T-bills, the Savings Bond and your CPF OA side by side on your own amount, in dollars after fees.

  Compare where to put it →

• Cash you won’t need for 6 or 12 months

  A T-bill locks it up until it matures, from $1,000.

  Work out a T-bill →

• Cash you may need back in any month

  A Savings Bond can be cashed in any month with no loss on the amount, from $500.

  Work out a Savings Bond →

• Cash you could fix with a bank

  See the fixed deposit deals that fit your amount and what each one needs.

  Find fixed deposit deals →

• Money in your CPF Ordinary Account

  Compare the OA’s own interest with a T-bill, after the interest given up and bank charges.

  Compare CPF OA and T-bills →

• You have a floating-rate home loan

  See today’s compounded SORA, where your next reset is heading and your monthly payment.

  Check SORA and your loan →

• You’re looking at Chocolate Finance

  Its S$ and US$ rates today, what they earn on your amount, what the Top-Up Programme really does, and its past rates.

  Check its rates →

• You want cash you can get back quickly

  Money market funds and cash accounts side by side: today’s rates, how fast you get your money and what each number really means.

  Compare them →

How to read these rates

A T-bill’s quoted rate understates what you earn

MAS quotes a T-bill’s cut-off yield as a rate of discount on the face value: you pay a little less than $1,000 and get $1,000 back. Because the interest is earned on the smaller amount you actually pay, the return on your cash is slightly higher than the quoted yield. The table above shows that return; the T-bill page shows both, and how they are worked out.

A Savings Bond has two rates worth knowing

A Savings Bond’s interest steps up each year. The year 1 rate is what you earn if you cash it in after a year; the 10-year average is what you earn if you hold it to the end. Because you can cash it in any month, the year 1 rate is the fair one to set against a 1-year T-bill.

Why T-bills and Savings Bonds move together

Both are set by the market for Singapore Government Securities. T-bill yields come from the bids at each auction; Savings Bond rates are worked out from the average government bond yields over the month before each issue is announced. When those yields fall, both fall, which is why next month’s Savings Bond rates can be estimated before MAS announces them.

A fixed deposit’s top rate comes with conditions

The highest fixed deposit rates usually need something: fresh funds, a minimum amount, applying in an app, or money kept in a savings account alongside. The table shows each deal’s conditions under its rate, and only counts deals that need no banking tier. When a promotion ends, the deposit may renew at a different rate, so check the bank’s terms. Every bank’s deals for your amount

Why the CPF rate is in the table

Money in the CPF Ordinary Account earns a rate set by CPF Board each quarter, never below 2.5% a year by law. It is in the table because OA money can be used for T-bills, and the question many people are weighing is whether moving it pays after the interest given up and the bank charges.

Rates since 2015

Every 6-month T-bill auction and every Savings Bond issue, on one chart. Tap or hover to read any point.

6-month T-bill cut-off yield Savings Bond, 10-year average

3 yearsSince 2015

Tap or hover on the chart to read a value.

0%1%2%3%4%

202420252026

What happens next

The next dates that change these rates, soonest first. Add any of them to your calendar.

Every rates page

Each tracker has the full history, the rules in plain words and a CSV download; each calculator does the sums for your own amount.

• Tracker

  T-bill rates and auction results

  1.86% 6-month T-bill

  Updated 12 Nov 2026

• Tracker

  Singapore Savings Bond rates

  2.39% Singapore Savings Bond, 10-year average

  This month’s rates from MAS, our estimate of next month’s, whether switching an SSB you hold pays, and every issue since 2015.

  Updated 12 Nov 2026

• Tracker

  SORA today: 1-month and 3-month Compounded SORA

  The latest SORA and Compounded SORA from MAS, where your next home-loan reset is heading, what it means for your monthly payment, and every rate since 2005.

  Updated 12 Nov 2026

• Tracker

  Fixed deposit rates in Singapore today, bank by bank

  Every bank’s and finance company’s fixed deposit rates, read from their own pages twice a day: the deals for your amount and what each one needs.

  Updated 12 Nov 2026

• Tracker

  UOB fixed deposit rates today

  Every UOB fixed deposit rate, read from UOB’s own page twice a day: the TMRW promotion, the board rates a deposit renews at, and where UOB ranks for you.

  Updated 12 Nov 2026

• Tracker

  OCBC fixed deposit rates

  Every OCBC time deposit rate, read from OCBC’s own pages (last read 10 Nov): the fresh-funds promotion, the board rates by amount, and four years of past rates.

  Updated 10 Nov 2026

• Tracker

  Maybank fixed deposit rates today

  Every Maybank Singapore time deposit rate: the Deposits Bundle worked out on all your money, the promotion and board rates, and Maybank’s rates since 2021.

  Updated 12 Nov 2026

• Tracker

  DBS fixed deposit rates today

  Every DBS and POSB fixed deposit rate, read twice a day: why the total in your account sets the rate, what S$20,000 changes, and DBS’s rates since 2014.

  Updated 12 Nov 2026

• Tracker

  CIMB fixed deposit rates today

  Every CIMB Singapore fixed deposit rate, read twice a day: the promotion and when it ends, normal against Why Wait, what leaving early really costs, and CIMB’s past rates.

  Updated 12 Nov 2026

• Tracker

  Hong Leong Finance fixed deposit rates today

  Every HLF fixed deposit rate, read twice a day: the promotions online and at a branch, which deposit pays you most, what happens when it ends, and HLF’s promotion rates since 2010.

  Updated 12 Nov 2026

• Tracker

  CPF interest rates: OA, SA, MediSave and RA this quarter

  2.50% CPF Ordinary Account

  This quarter’s CPF interest rates from CPF Board, the extra interest on your first $60,000, what your balances earn in a year, and every rate since 1955.

  Updated 12 Nov 2026

• Tracker

  CPF contribution rates 2026 and 2027: every age, and what changes on 1 January

  37% CPF contribution rate, aged 55 and below

  Updated 5 Nov 2026

• Tracker

  CPF retirement sums 2026: BRS, FRS and ERS, which are yours, and every year since 2003

  $220,400 Full Retirement Sum, turning 55 in 2026

  BRS $110,200, ERS $440,800. Yours, what you can take out at 55 and the payout from 65.

  CPF Board’s Basic, Full and Enhanced Retirement Sums for 2025 to 2027, the ones for the year you were born, and every year since 2003.

  Updated 12 Nov 2026

• Tracker

  USD fixed deposit rates in Singapore today

  Every bank’s US dollar fixed deposit rates, read from their own pages twice a day, and whether a US$ deposit beats a S$ one once you change money both ways.

  Updated 12 Nov 2026

• Tracker

  Chocolate Finance rates today: SGD and USD

  Chocolate Finance’s S$ and US$ rates, read from its own site three times a day, with what the Top-Up Programme really does and its past rates since 2024.

  Updated 8 Nov 2026

• Tracker

  Money market funds and cash accounts in Singapore: today’s rates

  Today’s rates on Singapore money market funds and cash accounts side by side, with how fast you get your money back and what each number really means.

  Updated 8 Nov 2026

• Calculator

  Where to put your cash: T-bills vs Savings Bonds vs fixed deposits vs CPF, on your amount

  $230 on S$10,000 for a year: a 12-month fixed deposit at CIMB

  T-bills, the Savings Bond on sale, fixed deposits and your CPF OA side by side on your own amount, in dollars after fees, from today’s rates.

  Updated 8 Nov 2026

• Calculator

  T-bill calculator

  $92.70 back on $10,000

  In the 6-month T-bill at the 4 Nov auction, cut-off yield 1.86%. Paid out straight away; your $10,000 comes back in 6 months.

  What you pay, get back and earn on a 6-month or 1-year T-bill at the latest MAS cut-off yield, by cash, SRS or CPF, with a bid checker and every auction since 1987.

  Updated 8 Nov 2026

• Calculator

  SSB calculator

  $2,407 over 10 years on $10,000

  In SBDEC26: $183 in the first year, 2.39% a year on average if held to the end.

  Every payment and date for any Singapore Savings Bond, what you get if you redeem early, all the SSBs you hold in one view, and SSB against T-bill and CPF OA.

  Updated 2 Nov 2026

Quick answers

The question people ask most on each page, answered with today’s numbers.

The 3 CPF pages have their own hub, with their quick answers: CPF numbers, from CPF Board.

How we track these

Every number on this page is read from its source by a scheduled job and checked before it goes up. If a source is late, the page says so instead of guessing. The method is on How we get our numbers.

Recent changes

1. 12 Nov 2026

   More on this topic: the other pages on each topic are now cards, each with its latest figure and that figure’s label (the 6-month T-bill, the highest 12-month fixed deposit, COE Cat A), or a line on what the page covers. Pages on the same tracker come first, such as the other banks on a bank’s deposit page. Investing and Referral codes are now in the site menu and on the home page. See an example

2. 10 Nov 2026

   New: Hong Leong Finance fixed deposit rates. Every HLF promotion, board, special and senior rate, read twice a day; which HLF deposit pays you most on your amount, worked out the way HLF’s own calculator does; Silver 40 Plus and Golden 55 Plus; what a deposit renews at and what leaving early costs; which Hong Leong is which; and HLF’s promotion rates since 2010 from archived copies of its pages. See HLF’s rates

3. 9 Nov 2026

   New: CIMB fixed deposit rates. Every promotion and board rate, read twice a day, with how many days the promotion has left; the normal deposit against Why Wait, which pays its profit upfront; what you keep if you leave early, month by month; whether the S$88 is worth chasing; CIMB’s place among the banks by day; and its rates since 2020 from archived copies of its own page. See CIMB’s rates

4. 8 Nov 2026

   OCBC fixed deposits: OCBC’s site has turned our reader away since 3 Nov, so we read its promotion and board rate pages ourselves in a browser on 8 Nov. All 112 rates matched our 2 Nov read (promotion 1.85% online for 12 months, S$20,000+), so the page now dates them 8 Nov and says the read was by hand. We will re-read them every week while the block lasts. OCBC fixed deposit rates

5. 8 Nov 2026

   Fixed deposit rates: a new grid shows every bank’s best rate at 1, 3, 6, 9, 12, 18 and 24 months, shaded light to dark. At 13 of the 15 banks the best rate is for 6 to 12 months; only HL Bank and GXS pay more to lock in for longer. A second new chart plots the top 6 and 12-month rates from each of our own reads since 24 Oct 2026. Fixed deposit rates

Every change to the site is on What’s new.

Corrections to these pages

1. 8 Nov 2026

   The OCBC fixed deposit page said its rates were “as we read them today” while our reader was held on OCBC’s page; they were from 2 Nov. That line now gives the date of the last good read, and a new check fails if any page calls a held bank’s rates today’s. OCBC fixed deposit rates

2. 8 Nov 2026

   The Savings Bond page said the first payment “is on Jun 2027” and the bond “matures on” a month: these are months, not dates, so both now read “in”. The payment months themselves were right. Singapore Savings Bonds

3. 8 Nov 2026

   The Rates hub’s answer to “Which pays more now: T-bills, Savings Bonds or fixed deposits?” mentioned “the tool at the top” and “the record above”. Both are on the Where to put your cash page, which the answer comes from, so it now says “on that page”.

4. 7 Nov 2026

   Savings Bond calculator: the note under the check said the first payment covers only part of six months, with a blank where the days should be, for a bond issued on the 1st. That first payment is a full six months. The payment itself was right. Savings Bond calculator

5. 7 Nov 2026

   Fixed deposits: banks whose pages we can’t read were tagged “check by hand” and counted as checked by hand, though we show no rate for them. They now say “not read”, and the count separates them. Where to put your cash: it said deposits often renew at a lower board rate; that depends on each bank’s terms, so it now says to check them. Fixed deposit rates

6. 6 Nov 2026

   Rates hub: the quick answers for UOB, OCBC, Maybank and DBS said their fixed deposit rates weren’t available. The rates on each bank’s page were right; the hub was failing to read them. It now shows them.

7. 5 Nov 2026

   Chocolate Finance and money market funds: a coding slip stopped the headline figure and the amount buttons from updating after you changed your amount. The worked result below them stayed right. Fixed. See the page

8. 1 Nov 2026

   Corrected: our UOB page said UOB’s 6-month fresh-funds promotion “pays 1.60% today” on 1 Nov, after the promotion ended on 31 Oct (UOB’s page still lists it, but its terms end on that date). The page now shows that there is no promotion today and gives the last rate on record. The rankings on the main fixed deposit page had already left the ended promotion out. See UOB fixed deposit rates