Fixed Deposit has been gradually dropping...

[ramlee]

Put in dbs, OCBC or uob shares

Buy 1 lot can earn $1k a day

 

[ramlee]

if ppl have to teach u how and where to invest your money, u better put FD bah

We ish here to sarpork one another

 

[tqx]

I asked chat GPT best rate able to get



Updated best SGD term-deposit rates

Rank	Institution	Rate	Tenure	Minimum	Main conditions
1	AUPE Credit Co-operative	1.75% p.a.	8 months	S$500	Must become an ACC member; no interest for premature withdrawal
1	Bank of China	1.75% p.a.	8 or 11 months	S$200,000	New-to-bank customers; maximum S$250,000; open savings account and place digitally
3	GXS Boost Pocket	1.60% p.a.	12 months	No stated minimum	Not a conventional fixed deposit; combined Boost Pocket limit S$95,000
4	Singapura Finance	1.55% p.a.	12 or 13 months	S$20,000	Fresh funds; savings account required; counter placement
4	RHB Premier	1.55% p.a.	6 or 12 months	S$20,000	Must qualify as a Premier Banking customer
6	Police Co-op	1.30% p.a.	12 months	S$500	Restricted membership with compulsory share capital and monthly savings
7	Singapore Government Staff Co-op	1.20% p.a.	12 months	S$1,000	Members only; maximum S$50,000

Best union/co-op option: AUPE Credit Co-operative


AUPE Credit Co-operative’s new rate, effective 15 July 2026, is 1.75% p.a. for eight months, with only S$500 minimum. The principal and interest are transferred to you at maturity, but premature withdrawal earns no interest.


Membership is relatively accessible:

• Public employees working in ministries, statutory boards or organs of state
• Immediate family members of qualifying members
• Private-sector employees who are valid NTUC union members

Membership costs include a S$5 entrance fee, S$25 share capital and S$10 monthly subscription. The share capital and subscription are stated as refundable when membership ends, apart from the entrance fee.


Because of the membership requirements, AUPE is most worthwhile for a meaningful deposit. For example, S$10,000 placed for eight months at 1.75% earns approximately S$116.67 gross interest.


Other co-operatives


Police Co-op currently offers 1.25% for six months and 1.30% for 12 months, starting from S$500. However, membership is mainly restricted to employees of MHA-related organisations and certain associated groups. Members must also purchase S$150 of shares and contribute at least S$40 monthly to compulsory subscription savings.


Singapore Government Staff Credit Co-operative offers 1.20% for at least 12 months, starting from S$1,000 and capped at S$50,000 per member. Membership is open to staff of the Civil Service, statutory boards and government-linked companies.


Important protection difference


Bank and finance-company SGD deposits are generally insured up to S$100,000 per depositor per SDIC member. SDIC describes its scheme members as full banks and finance companies; the credit co-operatives above are not listed as SDIC scheme members. Therefore, do not treat an AUPE or other co-op term deposit as having the same statutory deposit protection as a bank fixed deposit.


My recommendation


For S$500 to S$100,000: AUPE’s 1.75% for eight months is the best rate, provided you qualify for membership and accept the lack of SDIC insurance.


For maximum capital protection: choose an SDIC-insured institution and keep your total deposits within S$100,000 per institution. Among straightforward options, Singapura Finance’s 1.55% or GXS’s 1.60% Boost Pocket are attractive; BOC’s 1.75% requires S$200,000–S$250,000 and only S$100,000 would be covered under SDIC.

 

[euro2012]

ya lo buy sg DBS more safe
regret buy the spacex stocks

dbs now so ex still can enter??

 

[euro2012]

I got this last year, matured last month.
But they only allow $19999 nia…

Got anything else that can allow much higher amount of principal and with 2+ %? Don’t think have

Since last year or late 2024 onwards, FD rate sibei sucks.

now almost every bank 1.3 ish.. those offer higher ones need to jump hoops.. salary crediting mthly.. need minimum spend using their card etc

 

[charliebrown]

dbs now so ex still can enter??

wat will u do?
from history, e line only go up and no come down one.

 

[wongminmin]

wait for this become international. 6%

 

[sg-united]

Forget about FDs. Everybody should just all in to bank shares. Simple as ABC.

The govt is pumping up the bank shares for the past 2 years, and they will do more.

 

[Knightoftheblackrose]

dbs now so ex still can enter??

 

[chiBABOM!]

FD usually below 2% one what... buy structured deposit lor if have. Slightly higher maybe but lock in longer. If this is ur risk appetite la

 

[euro2012]

Forget about FDs. Everybody should just all in to bank shares. Simple as ABC.

The govt is pumping up the bank shares for the past 2 years, and they will do more.

any tips which horse is good to invest??

 

[wongkc]

FD usually below 2% one what... buy structured deposit lor if have. Slightly higher maybe but lock in longer. If this is ur risk appetite la

Read the fine prints of the structured deposit/note properly... as well as understand how they calculate their variable interests returns... Dun be surprised even if 49 of its 50 derivatives performing well but got 1 lose money... u also dun get any extra interest... Dun be fool by their "UP TO XX% interest" BIG PRINT...

 

[lifeafter41]

Read the fine prints of the structured deposit/note properly... as well as understand how they calculate their variable interests returns... Dun be surprised even if 49 of its 50 derivatives performing well but got 1 lose money... u also dun get any extra interest... Dun be fool by their "UP TO XX% interest" BIG PRINT...

Up to can also go negative………

 

[Lchlch]

if ppl have to teach u how and where to invest your money, u better put FD bah

true...i do agreed!

 

[Lchlch]

We ish here to sarpork one another

bro, should be we ish here to roll one another under the bus.

 

[Lchlch]

I asked chat GPT best rate able to get



Updated best SGD term-deposit rates

Rank	Institution	Rate	Tenure	Minimum	Main conditions
1	AUPE Credit Co-operative	1.75% p.a.	8 months	S$500	Must become an ACC member; no interest for premature withdrawal
1	Bank of China	1.75% p.a.	8 or 11 months	S$200,000	New-to-bank customers; maximum S$250,000; open savings account and place digitally
3	GXS Boost Pocket	1.60% p.a.	12 months	No stated minimum	Not a conventional fixed deposit; combined Boost Pocket limit S$95,000
4	Singapura Finance	1.55% p.a.	12 or 13 months	S$20,000	Fresh funds; savings account required; counter placement
4	RHB Premier	1.55% p.a.	6 or 12 months	S$20,000	Must qualify as a Premier Banking customer
6	Police Co-op	1.30% p.a.	12 months	S$500	Restricted membership with compulsory share capital and monthly savings
7	Singapore Government Staff Co-op	1.20% p.a.	12 months	S$1,000	Members only; maximum S$50,000

Best union/co-op option: AUPE Credit Co-operative


AUPE Credit Co-operative’s new rate, effective 15 July 2026, is 1.75% p.a. for eight months, with only S$500 minimum. The principal and interest are transferred to you at maturity, but premature withdrawal earns no interest.


Membership is relatively accessible:

• Public employees working in ministries, statutory boards or organs of state
• Immediate family members of qualifying members
• Private-sector employees who are valid NTUC union members

Membership costs include a S$5 entrance fee, S$25 share capital and S$10 monthly subscription. The share capital and subscription are stated as refundable when membership ends, apart from the entrance fee.


Because of the membership requirements, AUPE is most worthwhile for a meaningful deposit. For example, S$10,000 placed for eight months at 1.75% earns approximately S$116.67 gross interest.


Other co-operatives


Police Co-op currently offers 1.25% for six months and 1.30% for 12 months, starting from S$500. However, membership is mainly restricted to employees of MHA-related organisations and certain associated groups. Members must also purchase S$150 of shares and contribute at least S$40 monthly to compulsory subscription savings.


Singapore Government Staff Credit Co-operative offers 1.20% for at least 12 months, starting from S$1,000 and capped at S$50,000 per member. Membership is open to staff of the Civil Service, statutory boards and government-linked companies.


Important protection difference


Bank and finance-company SGD deposits are generally insured up to S$100,000 per depositor per SDIC member. SDIC describes its scheme members as full banks and finance companies; the credit co-operatives above are not listed as SDIC scheme members. Therefore, do not treat an AUPE or other co-op term deposit as having the same statutory deposit protection as a bank fixed deposit.


My recommendation


For S$500 to S$100,000: AUPE’s 1.75% for eight months is the best rate, provided you qualify for membership and accept the lack of SDIC insurance.


For maximum capital protection: choose an SDIC-insured institution and keep your total deposits within S$100,000 per institution. Among straightforward options, Singapura Finance’s 1.55% or GXS’s 1.60% Boost Pocket are attractive; BOC’s 1.75% requires S$200,000–S$250,000 and only S$100,000 would be covered under SDIC.

wow boc give 1.75% per year FD?
that is a good buy.

 

[jumpthepig]

wow boc give 1.75% per year FD?
that is a good buy.

Nowadays CPF 2.5% is the highest…

 

[euro2012]

wow boc give 1.75% per year FD?
that is a good buy.

nubbad.. can go register and pump $$ insai..

 

[bruiser69]

I asked chat GPT best rate able to get



Updated best SGD term-deposit rates

Rank	Institution	Rate	Tenure	Minimum	Main conditions
1	AUPE Credit Co-operative	1.75% p.a.	8 months	S$500	Must become an ACC member; no interest for premature withdrawal
1	Bank of China	1.75% p.a.	8 or 11 months	S$200,000	New-to-bank customers; maximum S$250,000; open savings account and place digitally
3	GXS Boost Pocket	1.60% p.a.	12 months	No stated minimum	Not a conventional fixed deposit; combined Boost Pocket limit S$95,000
4	Singapura Finance	1.55% p.a.	12 or 13 months	S$20,000	Fresh funds; savings account required; counter placement
4	RHB Premier	1.55% p.a.	6 or 12 months	S$20,000	Must qualify as a Premier Banking customer
6	Police Co-op	1.30% p.a.	12 months	S$500	Restricted membership with compulsory share capital and monthly savings
7	Singapore Government Staff Co-op	1.20% p.a.	12 months	S$1,000	Members only; maximum S$50,000

Best union/co-op option: AUPE Credit Co-operative


AUPE Credit Co-operative’s new rate, effective 15 July 2026, is 1.75% p.a. for eight months, with only S$500 minimum. The principal and interest are transferred to you at maturity, but premature withdrawal earns no interest.


Membership is relatively accessible:

• Public employees working in ministries, statutory boards or organs of state
• Immediate family members of qualifying members
• Private-sector employees who are valid NTUC union members

Membership costs include a S$5 entrance fee, S$25 share capital and S$10 monthly subscription. The share capital and subscription are stated as refundable when membership ends, apart from the entrance fee.


Because of the membership requirements, AUPE is most worthwhile for a meaningful deposit. For example, S$10,000 placed for eight months at 1.75% earns approximately S$116.67 gross interest.


Other co-operatives


Police Co-op currently offers 1.25% for six months and 1.30% for 12 months, starting from S$500. However, membership is mainly restricted to employees of MHA-related organisations and certain associated groups. Members must also purchase S$150 of shares and contribute at least S$40 monthly to compulsory subscription savings.


Singapore Government Staff Credit Co-operative offers 1.20% for at least 12 months, starting from S$1,000 and capped at S$50,000 per member. Membership is open to staff of the Civil Service, statutory boards and government-linked companies.


Important protection difference


Bank and finance-company SGD deposits are generally insured up to S$100,000 per depositor per SDIC member. SDIC describes its scheme members as full banks and finance companies; the credit co-operatives above are not listed as SDIC scheme members. Therefore, do not treat an AUPE or other co-op term deposit as having the same statutory deposit protection as a bank fixed deposit.


My recommendation


For S$500 to S$100,000: AUPE’s 1.75% for eight months is the best rate, provided you qualify for membership and accept the lack of SDIC insurance.


For maximum capital protection: choose an SDIC-insured institution and keep your total deposits within S$100,000 per institution. Among straightforward options, Singapura Finance’s 1.55% or GXS’s 1.60% Boost Pocket are attractive; BOC’s 1.75% requires S$200,000–S$250,000 and only S$100,000 would be covered under SDIC.

Did you factor in the $10 monthly contribution to AUPE?

 

[ramlee]

any tips which horse is good to invest??

Buy DBS, even my market tau ghey soh ish buying