The latest Singapore Savings Bonds yields 3.01% for 1 year and 3.53% for the 10th year, giving us a 10 year average yield of 3.15%. The interest rates are paid every 6 months. Alternatively, Cash Management solutions like Endowus Cash Smart (Core: 3.4-3.7%, Enhanced: 3.8% to 4.1%) could be a better idea for those looking to have a balance of liquidity and interest rates (note that Enhanced and Ultra have some minor volatility). Withdrawals are in shorter 3-5 business days unlike the Singapore Savings Bonds.  Application/Withdrawal period is from the 1st Business Day of the Month to the 4th last Business Day of the Month. You will receive the bonds/money on the 1st Business Day of the next month. The fee is $2 for application/withdrawal for any sum in multiples of $500. This bond is a AAA bond backed by Singapore government (very safe)....