CIMB SG fixed deposit promo rates from 1 Dec 2025 offers up to 1.35% p.a.

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From 1 Dec 2025, CIMB Bank Singapore has refreshed its promotional Fixed Deposit (FD) rates for Personal and Preferred Banking customers.

Following the earlier 5 Nov 2025 adjustment, the bank’s top advertised rate now stands at 1.35% p.a. for eligible clients who place their FDs online. This is an increase of 0.05% across 3-mth and 6-mth tenors

The highest rate is 1.35% p.a. for Preferred Banking customers via online placement. Personal Banking customers enjoy slightly lower, yet still steady, promotional rates across key tenors. For all tiers, the minimum placement is S$10,000, and this promotion is available online only.

These FD rates may appeal to savers in Singapore who prefer predictable returns in Singapore dollars and are comfortable setting aside funds for a fixed period.

📊 CIMB Fixed Deposit Rates (Effective 1 Dec 2025)

These promotional rates are available online only. A minimum deposit of S$10,000 applies for each placement, whether for Personal Banking or Preferred Banking customers.

The difference between Personal Banking and Preferred Banking rates is modest but consistent across all tenors, rewarding customers who maintain a deeper relationship with CIMB.

For example, a S$10,000 placement at 1.35% p.a. for 3 months would earn about S$33.75 in interest, while the same amount at 1.30% p.a. would earn about S$32.50. Actual interest will depend on the precise number of days in the tenor and the bank’s calculation method.

🔎 Who can apply & how it works

• Open to new and existing CIMB Singapore customers who meet CIMB’s onboarding requirements.
• Online placement only – FD placements under this promotion must be made via CIMB’s digital channels; branch placements are not eligible for these promo rates.
• Minimum S$10,000 per placement in a single tranche for each chosen tenor.
• Customers typically need a CIMB current or savings account to place and receive interest from the FD.
• Always review the official Terms & Conditions (PDF) before placing funds to understand all requirements, fees and early withdrawal implications.

📌 Things to consider before locking in a tenor

• Early withdrawal: Breaking the FD before maturity may result in reduced or no interest being paid, and the bank’s prevailing early withdrawal rules will apply.
• Liquidity needs: Because funds are tied up for the selected tenor (3, 6, 9 or 12 months), customers should ensure they keep sufficient cash in more liquid accounts for bill payments and emergencies.
• FD laddering strategy: Some savers choose to split their funds across different tenors (for example, 3, 6, 9 and 12 months) to create a simple “ladder” of maturing FDs, which can provide more flexibility.
• Interest payout at maturity: For conventional FDs, interest is typically paid at maturity. Customers who prefer to receive a return earlier may wish to explore alternative structures.

💡 Alternative option: Why Wait Fixed Deposit-I

For those who prefer upfront returns, CIMB offers a Shariah-compliant option via its Why Wait Fixed Deposit-I Account, which pays returns at the outset rather than at the end of the tenor.

This product is structured differently from a conventional FD and may suit customers who want immediate access to their expected profit. However, Preferred Banking rates do not apply to this product, so customers should compare the effective return with the standard FD promo rates listed above.

🔎 Compare before you decide

FD rates in Singapore can change over time as banks adjust to market conditions and funding needs. Before committing to a particular tenor, it is sensible to benchmark CIMB’s offers against those from other banks.

Use this regularly updated Singapore deposit rate comparison guide to see how these CIMB promotional rates stack up across the market.

For official and most detailed product information, including eligibility, features and charges, refer to CIMB’s Fixed Deposit page.

Rates and promotions are subject to change by the bank at any time. Always review the latest terms and conditions and confirm the prevailing rates directly with CIMB before placing funds.

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