Hong Leong Finance fixed deposit rates today

We read HLF’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: $950 at the HLF Digital promotion (1.90%), $125 at its board rate (0.25%) and $1,150 at the highest deal anywhere (CIMB, 2.30%). Your own amount

HLF dates its promotion rates 23 Oct 2026, and its board rates 10:30 am, 10 Nov 2026. We read both pages at 3:35 pm, 10 Nov SGT.

HLF Digital takes fixed deposit placements from 9 am to 9 pm, Monday to Saturday, except public holidays.

Every HLF fixed deposit rate

HLF keeps its promotions on one page and its board rates on another, and the two often carry different dates. Promotions are for new placements and pay only at the terms and amounts in their table. Everything else gets the board rate, or the special rate above S$50,000, which is also what a deposit renews at. Here is every rate on both pages, as we read them.

HLF Digital promotion

Online

Placed online in HLF Digital; needs an HLF savings account.

Branch promotion

At a branch

New placements at a branch. HLF's page doesn't say whether renewals get this rate.

Special promotion

Fresh funds only

Fresh funds only, at a branch or online.

Board rate

Special rate

Above S$50,000. For S$1 million and more, HLF quotes at its branches.

% a year. Read 3:35 pm, 10 Nov 2026 from HLF’s page. A dash means no rate for that term and amount.

The minimum is S$500, or S$10,000 for 1 and 2 months. For S$1 million and more, HLF quotes its rate at a branch. From HLF’s fixed deposit page, checked 10 Nov 2026.

Which HLF deposit pays you most

HLF has more ways to place the same money than most banks: promotions at a branch or in its app, a special for fresh funds, board rates, a senior add-on, and two accounts for older depositors. Which ones you can use depends on your amount, your age and whether the money is new to HLF.

Every HLF deposit, on your amount

Amount

S$

For1 month2 months3 months4 months5 months6 months7 months8 months9 months10 months11 months12 months13 months15 months18 months21 months24 months30 months36 months

Your ageUnder 4040 to 5455 or older

Money new to HLF?Yes, fresh fundsNo, already at HLF

For you: HLF Digital promotion at 1.90% pays S$950.00 over 12 months.

Deposit	Rate	Interest
HLF Digital promotionIn the HLF Digital app, 9 am to 9 pm, Monday to Saturday; needs an HLF savings account	1.90%	S$950.00
Branch promotionAt a branch, as a new placement	1.80%	S$900.00
Board rateAt a branch or in HLF Digital; also what a deposit renews at	0.25%	S$125.00
Special 8-month promotionOnly for 8 months	2.08%	Not for you
Silver 40 PlusAged 40 and above	1.05%	Not for you
Golden 55 PlusAged 55 and above	0.998%	Not for you
Board rate with the senior add-onAged 55 and above	0.375%	Not for you

With money new to HLF, the 8-month special pays 2.08% a year against 1.90% here: S$693.33 on S$50,000 over 8 months. After that it renews at the 8-month board rate unless you tell HLF otherwise.

Works in your browser. Interest is worked out the way HLF’s own calculator does it: amount × rate × months ÷ 12, rounded down to the cent, plus the 5% bonus on Silver 40 Plus and Golden 55 Plus, whose rates here include that bonus. On 10 Nov 2026 we put 12 amounts and terms through HLF’s calculator and ours, and every figure matched to the cent.

Silver 40 Plus and Golden 55 Plus

These two are fixed deposits with an age limit and a bonus: 5% of the interest, paid when the term ends. They are for more than S$50,000, up to S$999,999. Golden 55 Plus pays its interest every month; Silver 40 Plus pays interest and bonus at the end, into a linked Premium SAVER account.

For more than S$50,000, up to S$999,999. The bonus is 5% of the interest, paid at the end. “On S$100,000” is the interest and bonus by HLF’s own calculator. Read from HLF’s Silver 40 Plus and Golden 55 Plus pages at 3:35 pm, 10 Nov.

HLF prints 1.001% as the effective rate for Golden 55 Plus over 12 months. Its own calculator pays S$997.50 on S$100,000 for that term, which is 0.9975% a year: the rate plus the 5% bonus, and no more. HLF doesn’t say how it gets 1.001%, so compare deposits on what they pay.

Both pay less than HLF’s promotions for most people who can get a promotion. They are worth a look if you hold money already at HLF, so fresh-funds offers are closed to you, and want a term the promotions don’t offer.

Placing online, or at a branch

• In HLF Digital: you need an HLF savings account and an HLF Digital profile; new customers can open both in the app, and Singaporeans and PRs sign up with Singpass. Placements go through from 9 am to 9 pm, Monday to Saturday, except public holidays. The online promotion is only for placements made here.
• At a branch: bring your NRIC (foreigners: passport and pass, plus proof of a local address). The branch promotion and the senior add-on are placed here.
• Without the app or a visit: HLF’s instruction forms let existing customers place, renew or withdraw, and PayNow can fund a deposit. A placement made this way gets the branch promotion rate, not the online one.

From HLF’s fixed deposit, promotion and placement and renewal pages, checked 10 Nov 2026.

When your HLF deposit ends

If HLF hasn’t heard from you, it renews the whole deposit, interest included, for the same term, at its board rate or special rate. Not at a promotion. To be paid out or to change the term, HLF’s terms ask for your instruction at least 2 business days before the deposit ends (clause 40.6 of its deposit terms). A deposit that ends on a day HLF’s branches are shut ends on the next day they open (clause 40.5).

Your deposit

Amount

S$

For6 months8 months9 months12 months

At the promotion, 2.08%

$693

The next 8 months if it renews at the board rate, 0.15%

$50

That is $643 less for the same money and time.

If you need the money before the end

A normal HLF fixed deposit can only come out early if HLF agrees, and then no interest is paid unless HLF decides otherwise; HLF may also charge a levy or fee (clause 40.7). After a deposit has renewed by itself, HLF’s rates page says plainly that early withdrawal pays no interest.

Silver 40 Plus and Golden 55 Plus are a little kinder. After at least 3 months, you get interest at HLF’s savings rate (Premium SAVER for Silver 40 Plus) for the days the money stayed, and on Golden 55 Plus any monthly interest already paid above that is taken back (clauses 41.6 and 42.6). Before 3 months, nothing.

Where HLF ranks for your amount

Put in the money you have and the term, and untick what you can’t do. HLF 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

HLF is number 7 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+ · board rate 0.25%

   1.90%+$950

8. 8

   OCBC Promotion (online)

   online · fresh funds · S$20,000+ · checked by hand 10 Nov · 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.

HLF 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 10 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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One email when Hong Leong Finance starts, ends or changes a fixed deposit promotion rate, with every promotion rate and what it needs. Nothing in between.

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HLF’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.

HLF’s promotion rates since 2010

The highest promotion rate on HLF’s page today is 2.08%, 8 months, from S$20,000. In the copies we found, the highest was 3.95%, 10 months on 28 Jan 2023; the lowest since 2020 was 0.65%, term not stated, from S$20,000 on 7 Aug 2020.

The 12-month board rate, which a deposit renews at, is 0.25% up to S$50,000 and 0.35% above. It was the same in all 5 copies of HLF’s rates page since Nov 2025.

From copies of HLF’s promotion pages saved by the Internet Archive, about one a month since Sep 2010; each date links to its copy. In most copies from 2020 to Oct 2025 the rate tables were drawn by a script the Archive didn’t save, so the rate here is the highest one written in the page’s own words, never its title (titles sometimes disagreed with the text), and the term or minimum is left out where the page didn’t give it. No copy from Aug 2015 to Aug 2020 states a rate. Copies with the same rate are joined into one row. “HLF’s date” is the date HLF put on its rates, where it did.

What changed at HLF

HLF has not changed a rate since we started reading its page on 24 Oct 2026. Changes show here the day we see them.

What HLF doesn’t say

We read HLF’s promotion page, its fixed deposit page, the Silver 40 Plus and Golden 55 Plus pages, its calculator and its deposit terms. These are not in any of them:

• Whether a renewal at a branch gets the branch promotion. The table says “new placement”; the page is silent on renewals, so ask before you count on it.
• When the promotions end. They run “till further notice”, with no end date.
• How Golden 55 Plus reaches its effective rate. The rate plus the 5% bonus comes to less than the effective rate HLF prints, and HLF’s own calculator pays the lower figure. See Silver 40 and Golden 55.
• Which “no penalty” applies. The Silver 40 Plus and Golden 55 Plus pages say “No premature withdrawal penalty”, but HLF’s terms let it charge a levy or fee for leaving either account early (clauses 41.5 and 42.5).

Checked 10 Nov 2026. If HLF answers any of these on its pages, we will add it here and say so under changes to this page.

Is my money safe at HLF?

Insured up to S$100,000

Hong Leong Finance is a member of the Deposit Insurance Scheme. 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

A finance company is a deposit taker licensed by MAS under the Finance Companies Act, mostly lending for homes, cars and businesses. MAS lists three in Singapore: Hong Leong Finance, Sing Investments & Finance and Singapura Finance (MAS’s directory, checked 10 Nov 2026). Their Singapore-dollar deposits are covered by the same scheme and the same S$100,000 limit as a bank’s.

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
• CIMB 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 HLF’s page and reads every rate, term, amount band and condition on it. The last clean read was 3:35 pm, 10 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 rates come from HLF’s promotion page, and board, special and senior rates from its fixed deposit page, both read twice a day. Silver 40 Plus and Golden 55 Plus come from their own pages in the same run.
• Interest is HLF’s own sum, checked against its calculator: amount × rate × months ÷ 12, rounded down to the cent, × 1.05 for the two bonus accounts.
• Past rates come from Internet Archive copies of HLF’s promotion pages, each linked in the table above, and can be downloaded as a CSV file.
• 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. 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