it's easy to recommend and suggest without knowing how the bank runs your number..

there're few ways how an fd are calculated by the banks (courtesy of what i've learnt at MNRB).. one of the more commonly used method is the "365 method" (but bank are smart too as any subsequent leap year may render additional profit/loss by using such calculation)

you practically take every single day as a unit that makes up the entire year (so february for example, will earn you less interest.. as opposed so simply divide it with 12 equal month)

however, the what makes it interesting is the treatment of the interest paid. if you choose to rollover/re-invest.. that adds to your compounding difference.

so mtsen illustrated this "365 method"