Hi guys, seek opinion on FD in either cimb or Maybank sg.

For 12 mths rates, not much of a different 2.65 vs 2.8. My intention is to let it compound for the next 10 years++

Question : which is more convenient in the sense of any withdrawal upon maturity, only fresh fund applicable for any new placement etc

Ps: I do have an existing dbs but the rates are horrendous for any amount more than 20k