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OCBC fixed deposit rates

Runs separate branch and online promotional time deposit rates for fresh funds.

Verified against OCBC's website 18 Oct 2026, 05:37 UTC

Up to1.65%12 monthsVisit OCBC

TypeBank

Deposit protectionYes (SDIC Deposit Insurance Scheme)

Rates and terms are set by OCBC. Always confirm on the bank's page before you deposit.

Visit OCBC

Promotional rates

Promotion	Tenure	Rate p.a.	Deposit	Conditions
SGD Time Deposit promotion	6 months	1.45%	S$20,000 +	Fresh funds only; Via Branch
SGD Time Deposit promotion	6 months	1.50%	S$20,000 – S$999,999	Fresh funds only; Via Online
SGD Time Deposit promotion	12 months	1.60%	S$20,000 +	Fresh funds only; Via Branch
SGD Time Deposit promotion	12 months	1.65%	S$20,000 – S$999,999	Fresh funds only; Via Online

Board rates

Standing rates when no promotion applies (and often what a promo renews into).

Tenure	S$5,000 – S$20,000	S$20,001 – S$50,000	S$50,001 – S$99,999	S$100,000 – S$249,999	S$250,000 – S$499,999	S$500,000 – S$999,999
1 month	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
2 months	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
3 months	0.10%	0.05%	0.05%	0.05%	0.05%	0.05%
4 months	0.10%	0.05%	0.05%	0.05%	0.05%	0.05%
5 months	0.10%	0.05%	0.05%	0.05%	0.05%	0.05%
6 months	0.20%	0.10%	0.10%	0.10%	0.10%	0.10%
7 months	0.20%	0.10%	0.10%	0.10%	0.10%	0.10%
8 months	0.20%	0.10%	0.10%	0.10%	0.10%	0.10%
9 months	0.30%	0.10%	0.10%	0.10%	0.10%	0.10%
10 months	0.40%	0.10%	0.10%	0.10%	0.10%	0.10%
11 months	0.40%	0.10%	0.10%	0.10%	0.10%	0.10%
12 months	0.50%	0.10%	0.10%	0.10%	0.10%	0.10%
13 months	0.50%	0.15%	0.15%	0.15%	0.15%	0.15%
14 months	0.50%	0.15%	0.15%	0.15%	0.15%	0.15%
15 months	0.80%	0.20%	0.20%	0.20%	0.20%	0.20%
16 months	0.80%	0.20%	0.20%	0.20%	0.20%	0.20%
18 months	1.05%	0.20%	0.20%	0.20%	0.20%	0.20%
20 months	1.05%	0.20%	0.20%	0.20%	0.20%	0.20%

Deposit protection: SDIC Deposit Insurance Scheme

LimitS$100,000

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. Source, checked 2026-10-18.

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Sources

Every figure on this page was read from these pages at the time shown. Nothing is estimated.

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