i called OCBC and enquired about OCBC FD promo at 3.9% p.a. for 12m.
The customer service officer told me as below:

1.) Fresh fund
2.) Min 10k
3.) No CASA needed
4.) Promo till end of July
5.) Open to non-muslim/muslim

Guess this is the best 12m FD rate so far, yea?
Cheers.