Certificates of deposit

Safely grow your savings with fixed-term certificates of deposit

Why you will love this

Guaranteed returns, principal protected

Short-term commitment, long-term benefit

Better yield than typical short-term options

Who can apply

Businesses or individuals

Pricing varies depending on tenure, investment amount and market conditions. T&Cs apply. Being one of the leading banks in Asia, OCBC is poised to help deliver the best possible pricing available to you.

Lock in your funds and earn more with steady returns.

I am investing as

I am investing as

Features and benefits
Optimised returns

Optimised returns

Certificates of deposit (CDs) are stable, secure options that complement more volatile investments. They can help your business balance risk and returns, enhance its financial resilience and minimise exposure to market fluctuations.

Certificates of deposit (CDs) are stable, secure options that complement more volatile investments. They can help your business balance risk and returns, enhance its financial resilience and minimise exposure to market fluctuations.

Low-to-moderate risk investment

Low-to-moderate risk investment

CDs are generally lower risk and may be insured up to applicable limits, making them a conservative option for businesses to preserve capital while earning interest.

CDs are generally lower risk and may be insured up to applicable limits, making them a conservative option for businesses to preserve capital while earning interest.

Enhanced cash flow management

Enhanced cash flow management

Turn idle cash into a reliable income stream with competitive interest rates. Our CDs offer predictable, fixed returns — helping your business optimise cash flow, enhance budgeting accuracy and strengthen financial forecasting.

Turn idle cash into a reliable income stream with competitive interest rates. Our CDs offer predictable, fixed returns — helping your business optimise cash flow, enhance budgeting accuracy and strengthen financial forecasting.

Expert insights backed by a top-tier financial team

Expert insights backed by a top-tier financial team

Tap into our extensive market knowledge and strategic insights. We empower business owners like you to make informed investment decisions towards your goals, optimise business returns and safeguard your financial future.

Tap into our extensive market knowledge and strategic insights. We empower business owners like you to make informed investment decisions towards your goals, optimise business returns and safeguard your financial future.

Features and benefits
Safe and secure growth

Safe and secure growth

Grow your savings steadily and securely, with guaranteed returns and low market risk.

Grow your savings steadily and securely, with guaranteed returns and low market risk.

Smart savings for future goals

Smart savings for future goals

Whether you're planning for a home, vacation or retirement, CDs offer a reliable way to earn passive income through guaranteed returns.

Whether you're planning for a home, vacation or retirement, CDs offer a reliable way to earn passive income through guaranteed returns.

Stress-free, hands-off investing

Stress-free, hands-off investing

Secure your funds, sit back and watch your savings grow with no active management — only guaranteed returns.

Secure your funds, sit back and watch your savings grow with no active management — only guaranteed returns.

Maximise earnings with higher interest

Maximise earnings with higher interest

Earn higher returns than a regular savings account and effortlessly maximise your returns.

Earn higher returns than a regular savings account and effortlessly maximise your returns.

our awards and accolades
Alpha Southeast Asia 18th Annual Treasury & FX Awards 2025

Alpha Southeast Asia 18th Annual Treasury & FX Awards 2025

Best FX Bank for Corporates & Fls
(2014 - 2025: 12th consecutive win)

Best FX Bank for Corporates & Fls
(2014 - 2025: 12th consecutive win)

Alpha Southeast Asia 18th Annual Treasury & FX Awards 2025

Alpha Southeast Asia 18th Annual Treasury & FX Awards 2025

Best online FX Platform: End-to-end e-trading and eFX platform
(2022 - 2025: 4th consecutive win)

Best online FX Platform: End-to-end e-trading and eFX platform
(2022 - 2025: 4th consecutive win)

FX Markets Asia Awards 2025

FX Markets Asia Awards 2025

Best Asia FX trading venue for retail clients
(2022 - 2025: 4th consecutive win)

Best Asia FX trading venue for retail clients
(2022 - 2025: 4th consecutive win)

CorporateTreasurer Awards 2025

CorporateTreasurer Awards 2025

Best ESG Initiative

Best ESG Initiative

CorporateTreasurer Awards 2025

CorporateTreasurer Awards 2025

Best for Digital Solutions
(2023 - 2024: 2nd consecutive win)

Best for Digital Solutions
(2023 - 2024: 2nd consecutive win)

Asia Risk Awards 2024

Asia Risk Awards 2024

Derivatives house of the year Singapore
(2016 - 2020, 2022- 2024: 3rd consecutive win)

Derivatives house of the year Singapore
(2016 - 2020, 2022- 2024: 3rd consecutive win)

our awards and accolades
Alpha Southeast Asia 18th Annual Treasury & FX Awards 2025

Alpha Southeast Asia 18th Annual Treasury & FX Awards 2025

Best FX Bank for Corporates & Fls
(2014 - 2025: 12th consecutive win)

Best FX Bank for Corporates & Fls
(2014 - 2025: 12th consecutive win)

Alpha Southeast Asia 18th Annual Treasury & FX Awards 2025

Alpha Southeast Asia 18th Annual Treasury & FX Awards 2025

Best online FX Platform: End-to-end e-trading and eFX platform
(2022 - 2025: 4th consecutive win)

Best online FX Platform: End-to-end e-trading and eFX platform
(2022 - 2025: 4th consecutive win)

FX Markets Asia Awards 2025

FX Markets Asia Awards 2025

Best Asia FX trading venue for retail clients
(2022 - 2025: 4th consecutive win)

Best Asia FX trading venue for retail clients
(2022 - 2025: 4th consecutive win)

CorporateTreasurer Awards 2025

CorporateTreasurer Awards 2025

Best ESG Initiative

Best ESG Initiative

CorporateTreasurer Awards 2025

CorporateTreasurer Awards 2025

Best for Digital Solutions
(2023 - 2024: 2nd consecutive win)

Best for Digital Solutions
(2023 - 2024: 2nd consecutive win)

Asia Risk Awards 2024

Asia Risk Awards 2024

Derivatives house of the year Singapore
(2016 - 2020, 2022- 2024: 3rd consecutive win)

Derivatives house of the year Singapore
(2016 - 2020, 2022- 2024: 3rd consecutive win)

before you invest

Eligibility requirements for individuals

You must have a Global Savings Account

You must have Online Banking access (OCBC app and Internet Banking).


Terms and conditions



before you invest

Eligibility requirements for businesses

You must be a user of OCBC Velocity.


Terms and conditions


get in touch

Open doors to more opportunities

Get in touch with us and discover the possibilities that await you.

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