I currently have money allotted for future MP2 accounts parked in ING right now. Since ING's interest rate will go down from 4% to 2.5% next month, I'm looking for other alternatives.

I've looked at the following options but I'm checking for other alternatives that I missed.

• CIMB UpSave (3%) - I recovered an account that I previously created but never got to use because of some issues with the KYC process. A bit hesitant now because of poor feedback based on some posts here.
• MayBank iSave (3%?) - They have a promo where you can earn up to 4% interest but I can only deposit for the 3% tier. I'm a bit confused with the promo requirements though with the term incremental deposit. If I put in 100,000 right now, do I outright qualify for the 3% (1 2) interest rate if I open my account just now?
• Money Market (varies) - The YoY return is lower or almost the same as digital banks' interest rate right now. Looking to transfer some to this after the digital banks have ended their promo, or the market it doing better already.

Are there any other alternatives for this? My time horizon is half for January 2022 and the other half for January 2024. Was actually hoping the ongoing RTB had shorter tenor. I would have placed already even though the coupon rate was low.