Singapore Fixed Deposit Rates – June 2025 + Safe Alternative Yielding Up to 7.35% p.a.
Many people in Singapore keep saving through fixed deposits because they are dependable and favored by many. It is still beneficial to place your capital in banks by June 2025, because they continue to give good FD rates. If you are looking for a secure option and higher earnings, you can invest in alternative fixed-income instruments that provide up to 7.35% for a year’s investment commitment.
This article covers the highest FD interest rates around and suggests an alternative choice that provides a large yield with low danger.
Top Fixed Deposit Rates in Singapore – June 2025
As of June 2025, these are some of the top fixed deposit rates that banks in Singapore provide.
DBS/POSB: 2.45% p.a. for a 12-month tenure
State Bank of India (SBI): 2.35% p.a. for a 6-month tenure
ICBC: 2.15% p.a. for a 3-month online tenure
Maybank, CIMB, and StashAway: Offering between 2.10% and 2.20% p.a.
These current rates are a bit higher than earlier this year, so FDs are a great option for people who are worried about losses because they provide reliable returns.
Looking Beyond FDs? A Safe, Vetted Alternative at 7.35% p.a.
Although fixed deposit rates are going up slightly, they might not satisfy people who wish to earn more passive income while imposing less risk.
A number of financial providers now offer an alternative way to generate income that gives up to 7.35% p.a. for a 12-month period. To sum up, this alternative, although not like a fixed deposit, is created to be safe and secure, thanks to examination and assurances from outside providers.
The alternative product may be suitable for those who:
Seek higher income than traditional FDs
Want short-term capital protection
Are comfortable with limited liquidity for 12 months
Important Considerations Before Choosing Alternatives
In contrast to a fixed deposit, the alternative has a different form of regulation, liquidity, and risk involved. Investors should:
Review terms carefully
Understand any provider guarantees or protections
Evaluate personal risk appetite
Make sure to consult someone in financial services before making any investment.
How Ascendant Globalcredit Group Can Help You Maximise Safe Returns
We help our clients at Ascendant Globalcredit Group to discover several income-generating, safe ways that fit their financial needs and ability to take risks. If you want to start a traditional fixed deposit or explore investments yielding up to 7.35% each year, we will support you all the way.
We partner with reliable financial companies to check every financial product suggested for its security, the returns it offers, and the transparency involved. We are committed to a strategy that helps you decide how to get good returns without putting your capital at risk.
Why Clients Choose Ascendant Globalcredit Group:
Access to exclusive, pre-vetted investment options
Personalised advisory based on your financial objectives
Transparent breakdown of risks and returns
Hassle-free onboarding and account setup
If you want to save or earn the most from your money, we’ll assist you in making confident decisions in Singapore’s financial market.
Final Thoughts
Fixed deposit rates in Singapore in June 2025 are unchanged, and DBS/POSB leads with an interest rate of 2.45% a year for 12 months. Alternatively, some investors might choose structured income that offers 7.35% p.a. as long as the choices fit your needs and comfort with the product structure.
Even though these alternatives are not FDs offered by banks, they can make a positive difference in a portfolio aimed at earning steady income.
Interested in Higher-Yielding, Low-Risk Instruments?
Our team can assist you in finding out what vetted alternatives are currently offered. Connect with professionals to discover new ways to earn a safe income, other than putting your funds in a bank.