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From 5 Nov 2025, CIMB Bank Singapore has revised its promotional Fixed Deposit (FD) rates
Following the 1 Oct 2025 adjustment, the bank’s top advertised rate now at 1.3% p.a. for eligible clients.
The highest rate is 1.3% p.a. for Preferred Banking customers via online placement. Personal Banking customers get slightly lower – but still consistent – promo rates across key tenors. Minimum placement is S$10,000, online only.
📊 CIMB Fixed Deposit Rates (Effective 5 Nov 2025)
These promotional rates are available online only. A minimum deposit of S$10,000 applies for each placement.
| TENOR | PERSONAL BANKING ONLINE PROMO INTEREST RATE (%P.A.) S$10,000 AND ABOVE | PREFERRED BANKING ONLINE PROMO INTEREST RATE (%P.A.) S$10,000 AND ABOVE |
|---|---|---|
| 3 Months | 1.25 | 1.30 |
| 6 Months | 1.20 | 1.25 |
| 9 Months | 1.10 | 1.15 |
| 12 Months | 1.10 | 1.15 |
The Personal vs Preferred spread is modest yet steady across all tenors, rewarding deeper relationships with CIMB.
🔎 Who can apply & how
- Open to new and existing CIMB Singapore customers.
- Online placement only (branch placements are excluded from this promo).
- Minimum S$10,000 per placement.
- Always review the official Terms & Conditions (PDF) before placing funds.
🧮 Worked examples (illustrative)
Approximate interest on S$10,000 (simple pro-rata, paid at maturity unless stated otherwise):
| Tenor | Personal Banking (example) | Preferred Banking (example) |
|---|---|---|
| 3 months | ~S$31.25 (1.25% p.a.) | ~S$32.50 (1.30% p.a.) |
| 6 months | ~S$60.00 (1.20% p.a.) | ~S$62.50 (1.25% p.a.) |
| 9 months | ~S$82.50 (1.10% p.a.) | ~S$86.25 (1.15% p.a.) |
| 12 months | ~S$110.00 (1.10% p.a.) | ~S$115.00 (1.15% p.a.) |
Figures are estimates for planning only. The bank’s actual computation to the cent will apply.
💡 Alternative option: Why Wait Fixed Deposit-I
Prefer upfront returns? Consider CIMB’s Shariah-compliant Why Wait Fixed Deposit-I Account, which pays returns at the outset (note: Preferred Banking rates do not apply to this product).
🔎 Compare before you decide
Rates change. Benchmark offers against other banks before locking in a tenor. Use this regularly updated Singapore deposit rate comparison guide. For official product details, visit CIMB’s Fixed Deposit page.
With online-only placements from S$10,000 and the top rate of 1.3% p.a. for Preferred Banking customers, CIMB’s 5 Nov 2025 FD promo provides predictable returns for savers who prioritise certainty and ease. Those aiming for the very best yield should still compare across banks and tenors, but for CIMB customers – especially Preferred – the current slate offers a tidy, low-effort home for short-term cash.
Rates and promotions are subject to change by the bank at any time. Always review the latest terms before placing funds.
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