12 months tenure higher interest rate but fund tied up for 12 months.
1 month tenure lower interest rate but better in liquidity.

For 10k deposit, it is wiser to split to 4 FD receipts of 1k, 2k, 3k and 4k, so that in the event of premature FD uplifting, you can withdraw only the amount you need in multiples of RM1k.
For rm100k, split to 4 FD receipts of 10k, 20k, 30k and 40k.
For other odd deposit amount, decide your own combination depending on your need.