Markets
Deposit & Policy Rates
1Oak Research tracks headline 6-month term-deposit and CD rates across our core markets — the United States, Australia, and Singapore — as a funding-cost and liquidity benchmark alongside our own equity-backed lending activity. Rates are researched weekly from publicly published bank rate sheets and third-party comparison sites; they are not 1Oak Research products.
Last updated 2026-08-03
US Federal Funds Target Range
3.50%–3.75%
FOMC held the target range unchanged at its 28–29 July 2026 meeting.
Federal Reserve FOMC Statement, 29 Jul 2026 — https://www.federalreserve.gov/newsevents/pressreleases/monetary20260729a.htm · as of 2026-07-29
US 6-Month Treasury Bill Yield
3.98%
Secondary-market yield, investment basis.
Slickcharts — https://www.slickcharts.com/treasury/6-month · as of 2026-08-01
RBA Cash Rate Target
4.35%
Board left the cash rate unchanged at its June 2026 meeting; next decision due 11 August 2026.
Reserve Bank of Australia — https://www.rba.gov.au/cash-rate-target-overview.html · as of 2026-06-17
SORA (Singapore Overnight Rate Average)
0.95%
Daily overnight rate published by MAS; forms the base for compounded 1M, 3M, and 6M SORA tenors.
MacroMicro / MAS — https://en.macromicro.me/series/6324/singapore-overnight-rate-average-sora · as of 2026-07-29
6-Month CD (APY) · USD · as of 2026-08-01
| Bank | Rate | Min. deposit | Note |
|---|---|---|---|
| Interactive Brokers (IBKR Pro) | 3.10% | $10,000 (cash balance minimum to earn interest) | Cash-sweep rate on uninvested USD balances — not a fixed-term CD product. Rate applies to IBKR Pro clients with net asset value above $100,000; lower-NAV Pro accounts and Lite accounts earn a blended or reduced rate. No lock-up period. |
| JPMorgan Chase | N/A | $1,000 | Chase does not prominently publish a standard 6-month CD rate. Available terms and rates are primarily 2-month (3.50% APY standard; 4.00% APY jumbo at $100,000+) or are offered on a relationship/branch basis. No standard published 6-month APY found. |
| Citibank | N/A | $500 | Citi does not publish a standard 6-month CD rate. Its prominently advertised term CD was a 5-month product at 3.50% APY (3.70% APY jumbo at $100,000+) as of mid-2026. No standard 6-month APY found. |
| Bank of America | N/A | $1,000 | Bank of America's featured CD terms in mid-2026 were 7 months (3.25% APY). No standard 6-month APY found on its public rate schedule. |
| Wells Fargo | N/A | $5,000 | Wells Fargo's featured CD in mid-2026 was a 4-month product (3.49% APY standard; 3.75% APY relationship tier). No standard 6-month APY found. |
| HSBC USA | N/A | N/A | HSBC USA does not publish a standard retail 6-month CD rate on its public-facing rate pages. Rates are available through relationship and private banking channels. |
Several smaller regional and online-only banks post higher 6-month CD APYs — in some cases above 4.00%–4.40% as of late July 2026 — but fall outside the scope of this table. The major institutions listed above generally offer fewer and shorter standard CD terms, with their most competitive rates reserved for relationship, jumbo, or non-6-month tenors.
Sources: Fortune — Top CD rates from major banks, July 31 2026, Bankrate — Best CD Rates, August 2026, Finder — Interactive Brokers cash sweep rate 2026
6-Month Term Deposit (p.a.) · AUD · as of 2026-08-03
| Bank | Rate | Min. deposit | Note |
|---|---|---|---|
| Westpac | 4.85% | AUD 5,000 | Special Offer rate for existing personal or business customers, available from 15 July 2026. Includes an online bonus when opened or renewed via Online Banking or the Westpac app during the variation period. Standard (non-special) rate is lower. Minimum 31 days' notice required for early access. Deposits up to AUD 2,000,000. |
| NAB | 4.75% | AUD 5,000 | Standard published rate effective 3 August 2026. Interest calculated daily, paid at maturity for sub-12-month terms. Deposits between AUD 5,000 and AUD 2,000,000. Early withdrawal requires 31 days' notice. |
| ANZ | 4.55% | AUD 5,000 | Advance Notice term deposit rate. Standard (non-Advance Notice) ANZ term deposit rates are materially lower. 31-day notice period applies for early withdrawal. Available for deposits between AUD 5,000 and AUD 1,999,999. |
| Commonwealth Bank (CBA) | 4.50% | AUD 5,000 | Standard published rate. No set-up or establishment fees. Interest paid at maturity for sub-12-month terms. Deposits between AUD 5,000 and AUD 2,000,000. Early withdrawal requires 31 days' notice. |
Smaller banks, building societies, and online-only deposit-takers — including several not listed here — frequently post 6-month term deposit rates above those of the Big Four. Those institutions fall outside the scope of this table.
Sources: NAB — Term Deposit Rates (effective 3 August 2026), Westpac — Term Deposit Rates, savings.com.au — Big 4 Term Deposit Rates (updated 3 August 2026)
6-Month Fixed Deposit (p.a.) · SGD · as of 2026-08-01
| Bank | Rate | Min. deposit | Note |
|---|---|---|---|
| OCBC | 1.25% | SGD 20,000 | Promotional rate for internet banking placements (online channel). Over-the-counter rate is 1.20% p.a. Fresh-funds placement required. Rate valid as of August 2026 and subject to change without notice. |
| UOB | 1.20% | SGD 10,000 | Promotional rate for August 2026 on Singapore Dollar Time/Fixed Deposits for a 6-month tenure. Requires fresh-funds placement. UOB customers with qualifying wealth products may access higher tiers. |
| DBS | 0.80% | SGD 1,000 | Standard published rate for a 6-month fixed deposit, up to SGD 19,999. Rate applies to the DBS/POSB fixed deposit product. No promotional conditions required at this tier. |
| HSBC Singapore | 0.95% | SGD 30,000 | Rate for Personal Banking customers. Premier and Premier Elite tiers may access higher rates (up to ~1.30% p.a. depending on wealth holdings). Fresh-funds condition applies. Rates are periodically promotional and subject to change. |
Smaller banks, finance companies, and digital banks — including several with competitive rates above those shown — fall outside the scope of this table. Among the institutions listed, OCBC, UOB and HSBC Singapore are subsidiaries or listed entities whose parent groups clear the screening bar; DBS Group is independently listed.
Sources: SingSaver — Best Fixed Deposit Rates Singapore, August 2026, Growbeansprout — Best Fixed Deposit Rates Singapore, August 2026, MoneySmart — Best Fixed Deposit Rates Singapore, July 2026
Rates shown are sourced from publicly published bank rate sheets and third-party comparison sites (including Bankrate, NerdWallet, Canstar, InfoChoice, Seedly, and SingSaver) and may reflect promotional offers, relationship tiers, or minimum-deposit conditions. Rates change frequently and vary by channel, deposit size, and eligibility — 1Oak Research does not guarantee their accuracy or continued availability. Verify current terms directly with the institution before making a deposit. Nothing on this page constitutes investment advice, a solicitation, or a recommendation. 1Oak Research is not a licensed or regulated financial entity.