Latest Fixed Deposit rates vs SSB rates vs latest retail bond - Temasek 5 yr 1.8%
Updated: Nov 24, 2021
For Fixed Deposits:
Rollovers only:
1. DBS/POSB
Tenure: 18 months / 12 months / 10 months
Rate: 1.3% / 1.15% / 1.1%
Minimum amount: S$1,000
BUT it only apply to rollovers so no fresh funds allowed.
Fresh funds:
2. HLF
Tenure: 24 months
Rate: 0.8%
Minimum amount: S$20,000
3. Bank of China
Tenure: 24 months
Rate: 0.65%
Minimum amount: S$5,000
- No requirement to be rollovers only
For those looking for smaller placements,
4. ICBC (e-banking only)
Tenure: 12 months
Rate: 0.6%
Minimum amount: S$500
Fresh funds only
5. ICBC
Tenure: 12 months
Rate: 0.55%
Minimum amount: S$500
- No requirement to be rollovers only
Latest Nov'21 SSB issuance:

1 yr return: 0.34%
10 yr average return: 1.45%
(Retail) Bonds:
- Temasek Financial (IV) Private Limited (Application closing on 22nd Nov, 12PM)
Rating: Aaa by Moody’s and AAA by S&P
Tenure: 5 years (Expected to mature on 24 November 2026, unless earlier redeemed and cancelled, or purchased and cancelled, as provided in the terms and conditions of the T2026-S$ Temasek Bond)
Rate: 1.8%, payable every six months
Minimum amount: S$1,000 or higher amounts in multiples of S$1,000
Issue price: S$1 per S$1(being 100% of the principal amount)
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