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Asking About FD

Hi
I also wanted to invest 20,000 in FD for 2 to 3 years…our co-operative bank provide me 11% interest rate for 2 yrs(Sr.citizen)….. shall i invest this Amt in tht Bank ….. Is there any other secured investment option…where I will get around 10 to 11 % return? Today i hv visited in tht Bank and one of the officer told me be hurry Bz after one week all the rate will b decrease…..Is it true ???
Wht do i do in this situations?????
Regards,
J.D.

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