Certificates of deposit
Safely grow your savings with fixed-term certificates of deposit
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
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
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
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
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.
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
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
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
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.

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
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
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
Best ESG Initiative
Best ESG Initiative

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
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)

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
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
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
Best ESG Initiative
Best ESG Initiative

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
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)
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
Eligibility requirements for businesses
You must be a user of OCBC Velocity.
Terms and conditions
Open doors to more opportunities
Get in touch with us and discover the possibilities that await you.
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