I found the Best Fixed Deposit Rates after Interest Rate Cut

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T-bill rates have dropped to around 3%, and SSB rates are now below 3%. With these changes, fixed deposits (FD) suddenly seem attractive again—especially those offering above 3%.

Source: https://sgfd.neocities.org/
✅ As mentioned in video
Citigold Premier Banking https://hmsg.link/citigold
Syfe Code: HONEYMONEY @ https://hmsg.link/syfe

Current Fixed Deposit Offers
Maybank Deposit Bundle Promotion
3.55% p.a. for 6 months
Requires S$1,000 in CASA for every S$10,000 FD
Minimum: S$20,000 FD and S$2,000 CASA
Effective rate: 3.23% p.a.

Citibank Citigold https://hmsg.link/citigold
3.35% p.a. for 3 months, 3.2% p.a. for 6 months
Minimum: S$250K placement, Citigold clients only
FD also qualifies as assets under management (AUM)
Citigold requires minimum S$250,000 AUM

Syfe Cash+ Guaranteed
Code: HONEYMONEY @ https://hmsg.link/syfe
3.2% p.a. for 3 months (subject to change)
Managed investment portfolio, not a fixed deposit account
Investment capital and returns are guaranteed, subject to underlying bank risk

Key Takeaways:
Foreign banks tend to offer more competitive rates than local banks.
All options are regulated by MAS, with SDIC insurance up to S$100K.
Fixed deposit rates may drop soon, so act quickly.

Should you consider CPF next?
SA and MA accounts are offering at least 4% p.a. Comment “CPF+1” if you want more details!

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