CIMB Fixed Deposit

• Interest rate: 1.35% (maximum)
• Min. deposit: S$1,000
• Minimum loan term: 1 month
• Penalty for early withdrawal: Yes (payable for each completed quarter on the deposit)

CIMB Fast Fixed Deposit Promotion

• Enjoy S$88 cash credit for every S$100,000 fresh funds placed (up to S$880 per Eligible FD Account) when you make a placement from 1 October to 31 December 2025 (both dates inclusive).

Quick facts 

• Enjoy promotional online SGD fixed deposit rates up to 1.35% p.a. for Preferred Banking customers placing S$10,000+ (3-month tenor).

• Flexible tenures include 1, 2, 3, 6, 9, 12, 18 and 24 months under the board-rate scheme.

• Minimum deposit requirements: S$5,000 for 1 or 2-month tenures, S$1,000 for most other standard board tenures (board-rate category).

• Renewal/auto-rollover: Unless instructed otherwise, the principal plus interest is automatically renewed into the same tenure at prevailing rates upon maturity.

• In the case of early withdrawal/premature termination, The promotional or preferential rate is forfeited; interest is recalculated (or “rebate / ibra’” applied) based on completed months and lower of contracted or prevailing rates.

• For standard SGD Fixed Deposits, interest is paid in lump sum at maturity (no periodic payouts) 

• CIMB offers the Why Wait Fixed Deposit-i product, where profit is paid upfront (instead of at maturity), over tenures of 1, 2, 3, 6, 9, 12 months with a low initial deposit of S$1,000 (or S$5,000 for shorter tenures) 

• SGD deposits by individuals at CIMB are insured up to S$100,000 under the Singapore Deposit Insurance Corporation (SDIC) (applies generally to Singapore banks)

Eligibility 

Min. Assets Under Management: N/A (Standard fixed deposits do not require a minimum AUM)

Minimum Age: 16 years old

Alternative Eligibility Criteria: Singaporeans, Permanent Residents, and Foreigners with valid documentation

Fixed deposit rates

Here are the steps to apply:

1. Start the application by choosing “Apply Now” on the official CIMB Singapore website.

2. Use the Singpass MyInfo option to autofill your personal details — ensure your Singpass credentials are ready.

3. Check and complete any missing information, then select your preferred Fixed Deposit product and follow the on-screen instructions.

New customers

1. Download the CIMB Clicks SG mobile app and register for online banking access.

2. Once logged in, tap “Apply” and select “Fixed Deposits” to begin your placement.

3. Singaporeans and PRs can use Singpass MyInfo to autofill details for a quicker setup.

Existing customers

1. Log in to the CIMB Clicks SG mobile app with your existing credentials.

2. Tap “Apply”, then choose “Fixed Deposits”.

3. Review available tenures and promotional rates, confirm your deposit amount, and complete the application securely within the app.

Below are examples to show how much interest can be earned over different time periods, assuming a fixed interest rate of 1.35% p.a. This reflects CIMB’s latest promotional rate for preferred banking customers and is subject to revision depending on tenure and campaign.

The maturity amount is the total sum returned at the end of the fixed deposit period, assuming no early withdrawal.

While CIMB’s 1.35% p.a. promotional rate is modest compared to earlier 2025 peaks, it still provides safe, guaranteed returns. Longer tenures give more certainty, while shorter terms allow flexibility if rates rise in future. Always compare CIMB’s promotional fixed deposit campaigns with other banks to find the best returns for your preferred tenure and deposit size.

• DBS Fixed Deposit 

• BOC Fixed Deposit 

• Maybank Fixed Deposit

• RHB Fixed Deposit