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Malaysia Banking Institutions’ Fixed Deposit Rate

Data refreshed since 21st July 2010
Data updated since 15th July 2010, Source: www.bankinginfo.com.my

Rates are for tenure of up to 12 months for balances below RM1 million.

Banking Institution Min. Age Senior Citizen Account Min. Deposit

(RM)

Min. Tenure
(Mths)
Rates % (p.a.)
Tenure (Mths)
Partial Withdrawal Frequency of Interest Payment
1 Mth >1 Mth 1 3 6 9 12
Affin Bank Berhad  
Fixed Deposit

No

5000 500 1 2.80 2.85 3.00 3.05 3.30

Yes

Upon maturity
Alliance Bank Malaysia Berhad  
Conventional FD 18

No

5000 500 1 2.75 2.75 2.90 3.00 3.10

No

Upon maturity
AmBank (M) Berhad  
Conventional Fixed Deposit 18

No

5000 500 1 2.75 2.75 2.90 3.00 3.10

No

Upon maturity
InterestPlus 18

No

5000 1000 1 33.73 12.91 7.81 6.09 5.61

No

Upon maturity
Bangkok Bank Berhad  
Fixed Deposit Account 18

No

5000 1 2.75 2.80 2.85 2.90 2.95

Yes

Upon maturity
Bank of China (Malaysia) Berhad  
Fixed Deposit Account 18

No

5000 1000 1 2.50 2.50 2.60 2.60 2.80

No

Upon maturity
Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad  
Fixed Deposit (Tenure of up to 12 months for balances below RM1 million) 21

No

5000 1000 1 2.75 2.75 2.75 2.75 3.25

No

Upon maturity
CIMB Bank Berhad  
Fixed Deposit

No

5000 1000 1 2.75 2.75 2.80 2.80 2.85

No

Upon maturity
Fixed deposit 18

Yes

5000 1000 1 2.75 2.75 2.80 2.80 2.85

No

Upon maturity
Citibank Berhad  
Time Deposit 18

No

5000 1000 1 2.65 2.75 2.80 2.80 2.90

Yes

Upon maturity
Deutsche Bank (Malaysia) Berhad  
Fixed Deposit 18

No

5000 1000 1 2.65 2.70 2.75 2.75 3.05

Yes

Upon maturity
EON Bank Berhad  
Normal Fixed Deposit 12

No

5000 500 1 2.75 2.75 2.80 2.85 3.00

No

Upon maturity
Hong Leong Bank Berhad  
Hong Leong Fixed Deposit 18

No

5000 500 1 2.65 2.65 2.70 2.70 2.85

No

Upon maturity
Hong Leong Senior Savers Fixed Deposits 55

Yes

30000 3 2.65 2.70 2.70 2.85

No

Upon maturity
HSBC Bank Malaysia Berhad  
HSBC Time Deposit 12

No

5000 1000 1 2.55 2.70 2.70 2.70 2.85

No

Upon maturity
J.P. Morgan Chase Bank Berhad  
Fixed Deposit

No

5000 1 2.65 2.70 2.75 2.75 2.75

Yes

Upon maturity
Malayan Banking Berhad  
Flexi Fixed Deposit 18

No

5000 1000 1 2.75 2.75 2.80 2.80 2.85

Yes

Upon maturity
OCBC Bank (Malaysia) Berhad  
OCBC Fixed Deposit Account 18

No

5000 1000 1 2.60 2.65 2.70 2.70 2.85

Yes

Upon maturity
Public Bank Berhad  
Fixed Deposit Plus 18

No

5000 1000 1 2.75 2.75 2.80 2.80 2.85

Yes

Upon maturity
PB Golden 50 Plus Fixed Deposit 50

Yes

30000 30000 1 2.85 2.85 2.90 2.90 2.95

Yes

Upon maturity
RHB Bank Berhad  
Ordinary FD Tier 1 18

No

5000 500 1 2.75 2.75 2.95 2.95 3.10

No

Upon maturity
Standard Chartered Bank Malaysia Berhad  
Flexi Time Deposit 18

No

5000 1000 1 2.70 2.75 2.80 2.80 2.85

Yes

Upon maturity
The Royal Bank of Scotland Berhad  
Fixed Deposit

No

5000 1000 1 2.65 2.65 2.70 2.75 2.75

No

Upon maturity
United Overseas Bank (Malaysia) Berhad  
Fixed Deposit Normal 18

No

5000 500 1 2.60 2.65 2.70 2.70 2.85

No

Upon maturity
Golden Saver 50

Yes

100000 100000 1 2.85 2.90 2.95 2.95 2.95

No

Upon maturity
  • Saw

    halo can i know the above info is for how much the amount save in the bank wil get he %?

  • http://www.meshio.com yowchuan

    Saw, this rate is for deposits below RM 1 million.

  • Nik Faizal Amin

    Lets say the investor would like to invest RM1 Million, what would be the rate for a year?

  • rizal

    hai…do i need to open saving account if let say i want invest in FD at RHB Bank?

    • Iqhwansyafid

      Rates are for tenure of up to 12 months for balances below RM1 million.

      Banking Institution Min. Age Senior Citizen Account Min. Deposit
      (RM)

      Min. Tenure
      (Mths) Rates % (p.a.)
      Tenure (Mths) Partial Withdrawal Frequency of Interest Payment
      1 Mth >1 Mth 1 3 6 9 12
      Affin Bank Berhad
      Fixed Deposit
      No

      5000 500 1 2.80 2.85 3.00 3.05 3.30
      Yes

      Upon maturity
      Alliance Bank Malaysia Berhad
      Conventional FD 18
      No

      5000 500 1 2.75 2.75 2.90 3.00 3.10
      No

      Upon maturity
      AmBank (M) Berhad
      Conventional Fixed Deposit 18
      No

      5000 500 1 2.75 2.75 2.90 3.00 3.10
      No

      Upon maturity
      InterestPlus 18
      No

      5000 1000 1 33.73 12.91 7.81 6.09 5.61
      No

      Upon maturity
      Bangkok Bank Berhad
      Fixed Deposit Account 18
      No

      5000 1 2.75 2.80 2.85 2.90 2.95
      Yes

      Upon maturity
      Bank of China (Malaysia) Berhad
      Fixed Deposit Account 18
      No

      5000 1000 1 2.50 2.50 2.60 2.60 2.80
      No

      Upon maturity
      Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad
      Fixed Deposit (Tenure of up to 12 months for balances below RM1 million) 21
      No

      5000 1000 1 2.75 2.75 2.75 2.75 3.25
      No

      Upon maturity
      CIMB Bank Berhad
      Fixed Deposit
      No

      5000 1000 1 2.75 2.75 2.80 2.80 2.85
      No

      Upon maturity
      Fixed deposit 18
      Yes

      5000 1000 1 2.75 2.75 2.80 2.80 2.85
      No

      Upon maturity
      Citibank Berhad
      Time Deposit 18
      No

      5000 1000 1 2.65 2.75 2.80 2.80 2.90
      Yes

      Upon maturity
      Deutsche Bank (Malaysia) Berhad
      Fixed Deposit 18
      No

      5000 1000 1 2.65 2.70 2.75 2.75 3.05
      Yes

      Upon maturity
      EON Bank Berhad
      Normal Fixed Deposit 12
      No

      5000 500 1 2.75 2.75 2.80 2.85 3.00
      No

      Upon maturity
      Hong Leong Bank Berhad
      Hong Leong Fixed Deposit 18
      No

      5000 500 1 2.65 2.65 2.70 2.70 2.85
      No

      Upon maturity
      Hong Leong Senior Savers Fixed Deposits 55
      Yes

      30000 3 2.65 2.70 2.70 2.85
      No

      Upon maturity
      HSBC Bank Malaysia Berhad
      HSBC Time Deposit 12
      No

      5000 1000 1 2.55 2.70 2.70 2.70 2.85
      No

      Upon maturity
      J.P. Morgan Chase Bank Berhad
      Fixed Deposit
      No

      5000 1 2.65 2.70 2.75 2.75 2.75
      Yes

      Upon maturity
      Malayan Banking Berhad
      Flexi Fixed Deposit 18
      No

      5000 1000 1 2.75 2.75 2.80 2.80 2.85
      Yes

      Upon maturity
      OCBC Bank (Malaysia) Berhad
      OCBC Fixed Deposit Account 18
      No

      5000 1000 1 2.60 2.65 2.70 2.70 2.85
      Yes

      Upon maturity
      Public Bank Berhad
      Fixed Deposit Plus 18
      No

      5000 1000 1 2.75 2.75 2.80 2.80 2.85
      Yes

      Upon maturity
      PB Golden 50 Plus Fixed Deposit 50
      Yes

      30000 30000 1 2.85 2.85 2.90 2.90 2.95
      Yes

      Upon maturity
      RHB Bank Berhad
      Ordinary FD Tier 1 18
      No

      5000 500 1 2.75 2.75 2.95 2.95 3.10
      No

      Upon maturity
      Standard Chartered Bank Malaysia Berhad
      Flexi Time Deposit 18
      No

      5000 1000 1 2.70 2.75 2.80 2.80 2.85
      Yes

      Upon maturity
      The Royal Bank of Scotland Berhad
      Fixed Deposit
      No

      5000 1000 1 2.65 2.65 2.70 2.75 2.75
      No

      Upon maturity
      United Overseas Bank (Malaysia) Berhad
      Fixed Deposit Normal 18
      No

      5000 500 1 2.60 2.65 2.70 2.70 2.85
      No

      Upon maturity
      Golden Saver 50
      Yes

      100000 100000 1 2.85 2.90 2.95 2.95 2.95
      No

      Upon maturity

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      cometrue81 1 year ago
      i also want to know about the interestplus from ambank.too high.is there something that i dont know about it?
      3 people liked this. Like Reply

      py 1 year ago
      are my eyes blur?
      interstplus from am bank offer such a high interst rate?
      2 people liked this. Like Reply

      kavitha 1 year ago
      how can i get the fixed deposit rates in general for past fifteen years
      1 person liked this. Like Reply

      Pragash 1 year ago in reply to kavitha
      hye Madam, may can I help you about FD?
      1 person liked this. Like Reply

      Yowchuan Lee 1 year ago in reply to kavitha
      Kavitha, that would be an interesting trend chart. Give me a couple of days and I’ll see what I can come up with!
      Like Reply

      anniesm 1 year ago
      All banking institution hv reduce fixed deposit rate to 2.0%. Which financial tool can give us a better interest and against the inflation. Can a housewife continuos to make a contribution to EPF after 6 years stop from workplace?
      1 person liked this. Like Reply

      Jfyong33 7 months ago
      Rates for Alliance Bank in particular Senior Citizen FD is not up to date
      Like Reply

      Woody 1 year ago
      Do you have past 10 or 20 year data?
      Like Reply

      D 1 year ago
      Does anyone know anything about the FD Rates for MM2H applicant?
      Like Reply

      Vincent 1 year ago
      Why don’t you place your money in Money Market? FD is giving ridiculous rates… If not then pray that there is something like ASM or ASW out again! (This might happen with some offshore banking facilities) http://biz.thestar.com.my/busi… Look at the rolling weekly yield.

      Oh just a reminder… ALL interest earn will have to be tax. Only those under UT law will not be cause of tax at source.

      Anniesm why don’t you think about some of the endowment plan insurance company came out with?

      Little advertisement ya? Whatever you want I can get it for you, doesn’t matter which company the instrument come’s from.
      Like Reply

      Guest 1 year ago
      Comment removed.

      yowchuan 1 year ago in reply to Guest
      Sorry Loh, no free advertising ;-)
      Like Reply

      Alan 1 year ago
      Can you please provide the latest rates after 28/2/2009 as many banks have reduced the rates after Bank Negara lowered the OPR by another 0.5 %

      Any suggestions on how we can earn more interests on our savings , as the stock and property market are killing all of us and the government is not helping senior citizens like me by forcing the banks to reduce FD rates . We can hardly survive on our savings these days

      Thank You very much
      Like Reply

      yowchuan 1 year ago in reply to Alan
      Alan, thanks for the alert. Just updated the rates (was quite surprised to see that it has dropped to a mere 2++ percent).

      For recession-friendly tips, you can have a read here:
      http://www.meshio.com/2009/02/…/

      Like you said, we are the “forgotten men & women” when it comes to the process of policy making. How can they help us when they can’t even help themselves now? If there’s anyone who actually track the return on investment (ROI) of our tax money, we should not be too surprised to see negative figures.

      Also, the mini budget announced recently is not helping the guys on the street by much.

      Before letting too much fear runs into the blood, it’s a good idea to differentiate between income and wealth.

      When we look at plundering prices in the past few months, it’s evident that a scary amount of wealth has just vaporized into thin air. Yet, much of those vaporized wealth did not hit us as bad as we thought. For example, unless you are depending on the rental income from your property, the shelter value of your property would not have changed, even though the market price has depreciated the value by 15-20%.

      Living standards would not be affected too much as long as our income does not suffer a major blockage. As you’ve mentioned, investment in stocks and mutual funds would have suffered huge paper loss. So, unless you are living off the dividends and capital gains from these dividends, the focus should still be ensuring that the channels of income remains stable, or probably opening up new avenues of income.

      Even as we are left to fend for ourselves, I still think that we need to filter out the fear-driven propaganda from the facts. A good way to start is to stop reading the papers and turning off the TV, and get creative!

      Just my thoughts.
      Like Reply

      Alan 1 year ago in reply to yowchuan
      Dear Yow Chuan

      Thank you very much for the updated info . Looks like all the banks are offering the same rates these days
      Like

      LOKE 1 year ago
      Hi, dan. Our savings and FD in most, if not all, of the banks in Malaysia are fully protected by Malaysia Deposit Insurance Corporation (PIDM ~ Perbadanan Insurans Deposit Malaysia) until the year 2010.
      Like Reply

      dan 1 year ago
      anyone know which party will protect our FD ?
      Like Reply

      sasa 2 years ago
      Does any bank offer preferential rate for deposits abv 200K?
      Like Reply

      Dylan Lim Zejin 2 years ago
      rizal, you need to open a FD account instead of saving account, however, different bank might have different policies, it would be better that u visit the bank you would like to do a placement, or consult their customer service.
      Like Reply

      rizal 2 years ago
      hai…do i need to open saving account if let say i want invest in FD at RHB Bank?
      Like Reply

      Nik Faizal Amin 2 years ago
      Lets say the investor would like to invest RM1 Million, what would be the rate for a year?
      Like Reply

      yowchuan 2 years ago
      Saw, this rate is for deposits below RM 1 million.
      Like Reply

      Saw 2 years ago
      halo can i know the above info is for how much the amount save in the bank wil get he %?
      Like Reply
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  • Dylan Lim Zejin

    rizal, you need to open a FD account instead of saving account, however, different bank might have different policies, it would be better that u visit the bank you would like to do a placement, or consult their customer service.

  • sasa

    Does any bank offer preferential rate for deposits abv 200K?

  • Damon Lee

    to get % above 5%, you need to save a min RM 15k per year!
    for Details, email me at Damonleegsm@gmail.com

  • Lilian

    I have better investment for your saving.. Interested please contact me..
    Lilian Hoh
    lilianhoh@gmail.com
    H/p : 0193963400

  • dan

    anyone know which party will protect our FD ?

  • http://lokeaiaberhad.blogspot.com LOKE

    Hi, dan. Our savings and FD in most, if not all, of the banks in Malaysia are fully protected by Malaysia Deposit Insurance Corporation (PIDM ~ Perbadanan Insurans Deposit Malaysia) until the year 2010.

  • Alan

    Can you please provide the latest rates after 28/2/2009 as many banks have reduced the rates after Bank Negara lowered the OPR by another 0.5 %

    Any suggestions on how we can earn more interests on our savings , as the stock and property market are killing all of us and the government is not helping senior citizens like me by forcing the banks to reduce FD rates . We can hardly survive on our savings these days

    Thank You very much

    • Jasmyntay

      Dear Everyone,

      You may consider this:-

      “LOW Risk & HIGH Return” Saving1.5% to 2.5% per month = 18% to 30% per year(Hottest in the market)

      This is your Best Choice:-If you are looking for Safe Saving with High Return,If you have no idea where to save your extra money,If you are not satisfied with the current FD rate,If you do not know the “know-how” to do saving/ investment,If you wish that your savings can generate income to maintain your monthly expenses,If you are aware of Inflation,If you are aware of Currency Depreciation.

      I promise that you will not regret.
      Please contact me to enquire more details:-
      Email : jasmyntay@gmail.comTel: 012 – 288 7577

      “Don’t Let Your Money Become RUSTED In The Bank!”

      Best Regards,Tay

  • http://www.meshio.com yowchuan

    Alan, thanks for the alert. Just updated the rates (was quite surprised to see that it has dropped to a mere 2++ percent).

    For recession-friendly tips, you can have a read here:
    http://www.meshio.com/2009/02/recession-and-10-

    Like you said, we are the “forgotten men & women” when it comes to the process of policy making. How can they help us when they can't even help themselves now? If there's anyone who actually track the return on investment (ROI) of our tax money, we should not be too surprised to see negative figures.

    Also, the mini budget announced recently is not helping the guys on the street by much.

    Before letting too much fear runs into the blood, it's a good idea to differentiate between income and wealth.

    When we look at plundering prices in the past few months, it's evident that a scary amount of wealth has just vaporized into thin air. Yet, much of those vaporized wealth did not hit us as bad as we thought. For example, unless you are depending on the rental income from your property, the shelter value of your property would not have changed, even though the market price has depreciated the value by 15-20%.

    Living standards would not be affected too much as long as our income does not suffer a major blockage. As you've mentioned, investment in stocks and mutual funds would have suffered huge paper loss. So, unless you are living off the dividends and capital gains from these dividends, the focus should still be ensuring that the channels of income remains stable, or probably opening up new avenues of income.

    Even as we are left to fend for ourselves, I still think that we need to filter out the fear-driven propaganda from the facts. A good way to start is to stop reading the papers and turning off the TV, and get creative!

    Just my thoughts.

  • Alan

    Dear Yow Chuan

    Thank you very much for the updated info . Looks like all the banks are offering the same rates these days

  • LOH

    Too low,But why still saving in FD?our company provide 9% Per annual.Min RM 10,000
    From GREAT EASTERN LIFE. Just Call Me 016-4753495

  • http://www.meshio.com yowchuan

    Sorry Loh, no free advertising ;-)

  • anniesm

    All banking institution hv reduce fixed deposit rate to 2.0%. Which financial tool can give us a better interest and against the inflation. Can a housewife continuos to make a contribution to EPF after 6 years stop from workplace?

    • jasmyn

      Dear Everyone,

      You may consider this:-
      “LOW Risk & HIGH Return” Saving1.5% to 2.5% per month = 18% to 30% per year(Hottest in the market)

      This is your Best Choice:-If you are looking for Safe Saving with High Return,If you have no idea where to save your extra money,If you are not satisfied with the current FD rate,If you do not know the “know-how” to do saving/ investment,If you wish that your savings can generate income to maintain your monthly expenses,If you are aware of Inflation,If you are aware of Currency Depreciation.

      I promise that you will not regret.
      Please contact me to enquire more details:-
      Email : jasmyntay@gmail.comTel: 012 – 288 7577

      “Don’t Let Your Money Become RUSTED In The Bank!”

      Best Regards,Tay

  • Vincent

    Why don't you place your money in Money Market? FD is giving ridiculous rates… If not then pray that there is something like ASM or ASW out again! (This might happen with some offshore banking facilities) http://biz.thestar.com.my/business/unit_trust.asp Look at the rolling weekly yield.

    Oh just a reminder… ALL interest earn will have to be tax. Only those under UT law will not be cause of tax at source.

    Anniesm why don't you think about some of the endowment plan insurance company came out with?

    Little advertisement ya? Whatever you want I can get it for you, doesn't matter which company the instrument come's from.

  • D

    Does anyone know anything about the FD Rates for MM2H applicant?

  • py

    are my eyes blur?
    interstplus from am bank offer such a high interst rate?

  • http://www.sovereignwealth.com.my/ Fred

    Good day to all.

    If you want to invest in an average of 7.2% – 30% per annum/year with full capital protection.
    Please call +6014 637 9681 or our Main Office no. at Tel: +603 2091 9088 or you can visit our website http://www.sovereignwealth.com.my

    This is fred from Sovereign Wealth Management Sdn Bhd.

  • Anonymous

    Hi all,

    Bank FD is not the only solution to money savings. Gre*t Eastern is a well known and higly trusted company in Malaysia having been established for 101 years… They are offering a fixed deposit account that is well worth a lot more than any other sort of fixed deposit savings account. Lots of ppl has already put thier trust in it. How about you?
    contact me for any enquiry:
    ck : 0129060518

  • Anonymous

    oh ya…our average interest for now is 7% and it is tax free…

  • cometrue81

    i also want to know about the interestplus from ambank.too high.is there something that i dont know about it?

  • kavitha

    how can i get the fixed deposit rates in general for past fifteen years

  • http://www.facebook.com/yowchuan Yowchuan Lee

    Kavitha, that would be an interesting trend chart. Give me a couple of days and I'll see what I can come up with!

  • Pragash

    hye Madam, may can I help you about FD?

  • Woody

    Do you have past 10 or 20 year data?

  • Jfyong33

    Rates for Alliance Bank in particular Senior Citizen FD is not up to date

  • Setanbabi

    me noob

    • Iqhwansyafid

      can give me 1 milion

  • http://www.facebook.com/people/Sri-Appachi/100000443762605 Sri Appachi

    witch FD IS CAN GIVING ME HIGH INTEREST???

  • http://criticpapa.blogspot.com criticpapa

    whoa!!!, you had a passion in blogging, thumbs up for your work of love.. Hehe very inspiring ideas,

    anyway I’m william
    mind if I put a link back to you?

    (clickable) ——> big and tall suits

  • Jasmyntay

    Dear Everyone,
     
    You may consider this:-
    “LOW Risk & HIGH Return” Saving1.5% to 2.5% per month = 18% to 30% per year(Hottest in the market)
     
    This is your Best Choice:-If you are looking for Safe Saving with High Return,If you have no idea where to save your extra money,If you are not satisfied with the current FD rate,If you do not know the “know-how” to do saving/ investment,If you wish that your savings can generate income to maintain your monthly expenses,If you are aware of Inflation,If you are aware of Currency Depreciation.
     
    I promise that you will not regret.
    Please contact me to enquire more details:-
    Email : jasmyntay@gmail.comTel: 012 – 288 7577
     
    “Don’t Let Your Money Become RUSTED In The Bank!”
     
    Best Regards,Tay

  • Abulsmj

    the best investment is in gold. you can get 2-2.5% monthly with 3months contract, per annum is 24-30%.
    More explaination contact me abulsmj@yahoo.com TITLE : GOLD INVESTMENT OPPURTUNITY

  • Babyblue

    Can you please give me the yearly interest rate for Public Bank from 1995 until 2012. Thanks