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.

The benefit is in the event of contigency FD withdrawal, you can withdrawal only the amount needed in multiples of rm1k. Example, you can withdraw rm5k with combination of rm4k + rm1k FD receipts. The remaining balance of rm2k and rm3k receipts will still earn the full FD interest and not affected by the premature withdrawal.