CIMB fixed deposit rates today

We read CIMB’s fixed deposit page every day at 9:35 am and 3:35 pm, with 16 other banks and finance companies. All banks side by side

On S$50,000 for 12 months: $1,150 at CIMB’s online promotion (2.30%) and $150 at its board rate (0.30%). Your own amount

21 days left. The promotion runs to 30 Nov 2026, unless CIMB ends it sooner (term 2 of CIMB’s promotion terms). A rate you place stays fixed to the end of your term.

This page is about CIMB Bank Berhad, Singapore Branch. CIMB Malaysia’s fixed deposits and FD-i have their own rates on cimb.com.my.

Every CIMB fixed deposit rate

CIMB has two Singapore-dollar products: a normal fixed deposit, and Why Wait Fixed Deposit-i, an Islamic deposit that pays its profit at the start. Each has promotion rates, for S$10,000 and above placed online, and much lower board rates. Preferred Banking customers get a little more on the normal promotion. Here is every rate on the normal fixed deposit, as we read it today.

Online promotion

Online · until 30 Nov 2026

Online promotion

Preferred Banking · online · until 30 Nov 2026

Board rate

1 and 2 months need S$5,000 or more.

% a year. Read 3:35 pm, 9 Nov 2026 from CIMB’s page. A dash means no rate for that term and amount.

Below S$10,000 you get board rates, in both products. A branch placement of Why Wait also gets board rates under the promotion’s rate table. One and two months need S$5,000 or more (CIMB’s product page, checked 9 Nov 2026).

The two products, term by term

Promotions: placed online, S$10,000 and above. Board: S$1,000 to S$99,999. Read from CIMB’s rates page at 3:35 pm, 9 Nov.

Normal or Why Wait?

Compare the promotion rates above first. Beyond the rate, the choice comes down to when you want the money, what happens at the end, and how likely you are to leave early.

Normal

Day 1: nothingMonth 12: S$2,300 interest

Why Wait

Day 1: S$2,300 profitMonth 12: nothing more

From the promotion terms of the normal fixed deposit (terms 10 and 11) and Why Wait (terms 15 and 16), and the S$88 terms, checked 9 Nov 2026.

Upfront profit isn’t unique to CIMB. Maybank’s Term Deposit-i pays upfront too; see our Maybank page.

Is the S$88 worth chasing?

S$88 on S$100,000 adds 0.088 percentage points for the year. The conditions are tighter than the headline (terms, checked 9 Nov 2026):

• A 12-month Why Wait placement, with fresh funds, for individuals, from 1 to 30 Nov 2026 (terms 2 and 4).
• Nothing below S$100,000. It counts whole S$100,000s, so S$180,000 still gets S$88, and S$200,000 or more gets S$176 at most per account (terms 5 and 7).
• Paid one calendar month after the deposit ends, and one account holder must still have a CIMB savings or current account then (term 6).
• Close the deposit within 6 months and CIMB may deduct the credit (term 13).

To get S$176 you would place S$200,000, and only S$100,000 of your deposits at CIMB is insured.

What you get, and what you keep if you leave early

Put in your amount and term. Then choose when you might need the money. The line shows what you keep for leaving after each month.

What each pays, and what you keep if you leave early

Amount

S$

For3 months6 months9 months12 months

If you leaveKeep it to the endAfter 1 monthAfter 2 monthsAfter 3 monthsAfter 4 monthsAfter 5 monthsAfter 6 monthsAfter 7 monthsAfter 8 monthsAfter 9 monthsAfter 10 monthsAfter 11 months

Normal fixed deposit: 2.30%, paid at the end

S$2,300

Why Wait: 2.30%, paid the day you place it

S$2,300

Getting the profit at the start is worth about S$46 more, if you earn 2% a year on it for those 12 months. The 2% is our example; use what your money really earns.

With fresh funds, this Why Wait placement also gets a S$88 cash credit, paid about a month after it ends.

Why Wait Normal, at the board rate Kept if you leave after each month

Works in your browser. The formulas are in how we get these numbers. Leaving early needs CIMB’s consent: under its deposit terms (clause 37.3, checked 9 Nov 2026) a normal deposit may also carry a charge, and you could get back less than you put in.

When your CIMB deposit ends

A normal deposit renews with its interest, for the same term, at “prevailing fixed deposit promotional rates (if any) or board rates” (term 11). With Why Wait, only the principal renews, at the Islamic board rate (term 16). Unless a promotion is running on the day, that is a very low rate. To stop it, CIMB’s deposit terms ask for written instructions at least two business days before the end (clause 36.10).

Your deposit

Amount

S$

For3 months6 months9 months12 months

At the promotion, 2.30%

$1,150

The next 12 months if it renews at the board rate, 0.30%

$150

That is $1,000 less for the same money and time.

How to open one

1. Apply on CIMB’s fixed deposit page with Myinfo.
2. If you are new, a FastSaver account opens with it (FastSaver-i for Why Wait), and you fund it from your other bank by FAST.
3. Your account must be fully funded and approved inside the promotion period to get the promotion rate (Why Wait terms 8 and 10).

Why Wait’s “fresh funds” rule does not apply to placements made through CIMB Clicks or the online form (Why Wait terms 4 and 5). The S$88 has its own fresh-funds rule. Checked 9 Nov 2026.

Where CIMB ranks for your amount

Put in the money you have and the term, and untick what you can’t do. CIMB is marked in the list.

Your deposit

Amount

S$

For1 month2 months3 months4 months5 months6 months7 months8 months9 months10 months12 months15 months18 months24 months36 months

You can

Bring new money to the bank (“fresh funds”) Place it in the bank’s app or website Open an account with a new bank Use a priority or premier tier you have

CIMB is number 1 of 14 for this.

1. 1

   CIMB Online promotion

   online · S$10,000+ · until 30 Nov · board rate 0.30%

   2.30%+$1,150

2. 2

   Maybank Deposits Bundle

   fresh funds · 2.40% on the deposit, S$1,000 kept in savings per S$10,000 · S$22,000+ · checked by hand 8 Nov · board rate 0.35%

   2.19%+$1,095

3. 3

   Bank of China Mobile banking promotion

   in the app · S$20,000+

   2.10%+$1,050

4. 4

   HL Bank Promotion (online)

   online · S$10,000+

   2.10%+$1,050

5. 5

   RHB Fixed deposit promotion

   S$20,000+ · checked by hand 8 Nov

   2.10%+$1,050

6. 6

   Singapura Finance Counter promotion

   at a branch · S$20,000+

   2.10%+$1,050

7. 7

   Hong Leong Finance HLF Digital promotion

   online · S$20,000+

   1.90%+$950

8. 8

   OCBC Promotion (online) being checked

   online · fresh funds · S$20,000+ · board rate 0.10%

   1.85%+$925

Interest on S$50,000 at the end of 12 months, simple interest as banks pay it on fixed deposits; no tax for individuals in Singapore. 6 more banks pay less. Rates change often: confirm on the bank’s page before you place. Not advice.

CIMB against DBS, OCBC, UOB and Maybank

What each bank pays on S$50,000 of fresh funds placed online, with no banking tier; the board rate is for S$50,000 too. Other amounts can differ a lot: try yours. Every bank and its conditions

Against T-bills and the Savings Bond

T-bill and Savings Bond rates are MAS’s, from our T-bill and Savings Bond pages; fixed deposit rates are the banks’ own, read 9 Nov 2026. A T-bill’s cut-off yield is worked out on its face value; on the money you pay it is a little higher (our T-bill page shows the sum). Interest from all of these is not taxed for individuals in Singapore.

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CIMB’s place among the banks, day by day

Rebuilt from our own log of rate changes, which starts on 27 Oct 2026, so it is short for now and grows each day. Counts deals open to anyone, from S$20,000 or less, with no condition or tiered rate; joint first place counts as first. 1 is the highest.

CIMB’s rates over time

CIMB’s 12-month promotion, placed online, pays 2.30% today. The highest in the copies we found was 3.45%, on 4 Feb 2023.

From copies of CIMB’s fixed deposit page saved by the Internet Archive, about one a month since Jul 2020; each date links to its copy, so you can check it. Copies that show the same rates are joined into one row. A promotion that started and ended between two copies is not here. Copies before Jul 2020 use an older layout that doesn’t say which rates were promotions, so they are left out. Since 24 Oct 2026 we also save a copy whenever a rate changes.

What changed at CIMB

Promotions ending soon

The end date each bank gives on its page; most promotions without one can also end at any time. After the last day, a placement gets the bank’s new rate.

What CIMB doesn’t say

We read CIMB’s rates page, its product pages, the terms of both promotions, the S$88 terms and its deposit account terms. These things are not in any of them:

• Which rate a normal deposit earns if you leave early. The promotion rate stops; the terms name no other (term 10).
• The end date on the rates page. It is only in the terms PDFs, so we watch those files and tell you here if they change.

Checked 9 Nov 2026. If CIMB publishes any of these, we will add it here and say so under changes to this page.

Is my money safe at CIMB?

Insured up to S$100,000

CIMB is a member of the Deposit Insurance Scheme (as CIMB Bank). If it failed, the Singapore Deposit Insurance Corporation would pay back up to S$100,000 of your Singapore-dollar deposits with it, fixed deposits and savings added together.

From SDIC’s list of members, checked 24 Oct 2026. Foreign-currency deposits are not insured. More on deposit insurance

CIMB’s Why Wait terms carry the same deposit insurance notice as its normal fixed deposit terms (checked 9 Nov 2026).

More on this topic

Singapore interest rates

• T-bill rates and auction results
• Singapore Savings Bond rates
• SORA today: 1-month and 3-month Compounded SORA
• Fixed deposit rates in Singapore today, bank by bank
• UOB fixed deposit rates today
• OCBC fixed deposit rates
• Maybank fixed deposit rates today
• DBS fixed deposit rates today
• CPF interest rates: OA, SA, MediSave and RA this quarter
• CPF contribution rates 2026 and 2027: every age, and what changes on 1 January
• CPF retirement sums 2026: BRS, FRS and ERS, which are yours, and every year since 2003
• USD fixed deposit rates in Singapore today
• Chocolate Finance rates today: SGD and USD
• Money market funds and cash accounts in Singapore: today’s rates
• Where to put your cash: T-bills vs Savings Bonds vs fixed deposits vs CPF, on your amount
• T-bill calculator
• SSB calculator

Questions people ask

How we get these numbers

Twice a day, at 9:35 am and 3:35 pm, our script opens CIMB’s page and reads every rate, term, amount band and condition on it. The last clean read was 3:35 pm, 9 Nov. A read that looks off (a new layout, a rate that moves more than 0.5 points at once, a deal that vanishes) is held, not published.

Every bank is ranked by the rate it publishes, with its conditions beside it; no bank pays to be listed. How we read all 17 banks and finance companies, and what we do when a page fails: the fixed deposit rates page.

• Promotion, Why Wait and board rates come from CIMB’s rates page, read twice a day.
• End dates and the rules come from CIMB’s terms PDFs, which we read ourselves. Each run checks that those PDFs are the same files we read; if one changes, the end date is dropped and this page says so.
• Interest and profit: amount × rate × months ÷ 12. Leaving Why Wait early: nothing in the first 3 completed months, or for a term of 3 months or less; then amount × rate × completed months ÷ 12 × 50%, from the formula in its term 15. Leaving a normal deposit early: amount × board rate × completed quarters, which is our assumption, since CIMB names no rate.
• Past rates come from copies of CIMB’s rates page saved by the Internet Archive, each linked in the table above.
• This page shows numbers, not advice on where to put your money. See our disclaimer, how we get our numbers and corrections.

Disclosure: the editor, Jeremiah Say, has no fixed deposits. Numbers.sg is not paid by any bank or finance company, and there are no affiliate links on this page.

Rates are the bank’s own published figures, read from the page linked above. Numbers.sg is independent and is not endorsed by any bank.

Changes to this page

1. 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