Click here to Original FD Rate Thread.
Click here to Fixed Deposit Rates in Malaysia V2 Thread
Click here to Fixed Deposit Rates in Malaysia V3 Thread

Malaysia Major Commercial Banks and Foreign Banks Fixed Deposit / Time Deposit Rates as of 1st March 2013.
Bank - FD rates for 1 month, 3 months, 6 months and 12 months.

Affin Bank - 3.05%, 3.1%, 3.25% and 3.6%
Alliance Bank - 3%, 3%, 3.1% and 3.25%. FD Gold 12 months 3.3% (Interest paid monthly).
AmBank - 2.95%, 3%, 3.1% and 3.15. Am50Plus 12 mths 3.25% (Interest paid monthly, FREE PA).
Citibank - 2.8%, 2.9%, 2.9% and 3.05%
CIMB Bank - 3%, 3.05%, 3.1% and 3.15%
Hong Leong Bank - 2.9%, 2.95%, 2.95% and 3.1%
HSBC Bank - 2.75%, 3%, 3% and 3.15%
Maybank - 3%, 3.05%, 3.1% and 3.15%
OCBC Bank - 2.75%, 2.85%, 2.85% and 3.05%
RHB Bank - 3%, 3.05%, 3.1% and 3.2%.
Public Bank - 3%, 3.05%, 3.1% and 3.15%. PB Golden 50 Plus 12 months 3.25%.
Standard Chartered Bank - 2.75%, 2.9%, 2.9% and 3.05%
UOB Bank - 2.9%, 2.95%, 2.95% and 3.10%


Fixed / Time Deposit and Savings Account Promotions 2013.
Please call the nearest bank to reconfirm the rates (go to the bank website for bank contact number where you can also get the contact number of the branch nearest to you) before going to the bank to check if promotions are still valid.

OCBC Bank FD Promo - Note: Promo Ends 10 September instead of 30th Septmeber
(Note: Special thanks to gsc for highlighting promotion date brought forward to 10/9/2013)



OCBC 3.7% 13 months Joint Account Promo

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UOB Bank Latest Fixed Deposit Promotion Rates - Minimum RM10K.

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Hong Leong Bank
Note: This promo suppose to end 31 October 2013 but can't seem to find it in HLB website.

3.3% for 3 Months but 5% equivalent to FD Amount to be earmarked 3 months in CASA.

MACH by Hong Leong Bank (Online Banking) - up to 3.4% for 12 months FD. Contributed by BoomChaCha



Special Promo for Gurney MACH contributed by gsc
Hong Leong Islamic Bank Promotion until 31 October 2013

6 Months - 3.3%
9 Months - 3.4%
12 Months - 3.5%


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Kuwait Finance House -



And if you got children below age 18, you are eligible for their 3.98% "FD" Promo called Junior International Murabahah Deposit i. You will need to open a CASA account to deposit the "profit" (interest). Call them on what documents (e.g. birth cert) to bring before going to the branch. (Note: Special thanks to bbgoat for re-highlighting this promo during discussions)




Public Bank Super FD - Go read post#790 onwards or else you'll might regret once you deposit with this so call Super FD.



AMBANK 9 Months FD Promo - 3.55% - Ends 30 September 2013. Contributed by many regulars here.




Other Similar FD Accounts - Bank Rakyat Qiradh General Investment Account-i. For those who want "interest rates" that are higher than FD Promo interest rates offered by commercial banks.


To read my comments and see more FD promos click >>> Malaysia Latest Fixed Deposit Board and Promotion Interest Rates by Major Commercial and Foreign Banks.

To learn more on The Best and Highest Paying Savings Account in Malaysia for Adult, Kid, Parent and Grandpa click >> The Best Savings Accounts in Malaysia

Click here to read my article titled Australia Education, Term Deposit, Savings Account and Credit Card Interest Rates In this article I have tables of interest rates from several banks in Australia and also a Table for UOB, OCBC and RHB Foreign Currecny Time Deposit Interest Rates.

Click here to read my article Premier Priority Privilege Banking Accounts. This updated revised article now include comments for OCBC Premier and StanChart Priority Banking Account.

Banker's Cheque Fee purely for FD Upliftment/Withdrawal (Do not combine with other accounts, i.e. Savings Account)
Affin - FREE
Alliance - FREE
AmBank - RM2.15
Bank Rakyat - FREE
CIMB - FREE
Citibank - RM0.15
HLB - RM5.15 (PB Customers RM0.15)
HSBC - RM5 same day or RM2 next day (no RM0.15 Stamp Duty??)
Maybank - RM5 or RM5.15?
MBSB - FREE
OCBC - FREE
PBB - RM2.15
RHB - RM5.15
SCB - RM2.15
UOB - RM0.15 (in Penang) or RM2.15 (in Klang Valley!!!???) Conflicting reports.

This post has been edited by Gen-X: Sep 4 2013, 12:38 PM

FDMCGC - Fixed Deposit Musical Chair Gamers Club



FRMONBWFDP - Freaking Rich Members Or Not Bothered With FD Promotions but contributors to FD Thread



This post has been edited by Gen-X: Mar 30 2013, 06:08 PM

Thank for the update bro. For OCBC Combo plan, best to deposit early or end of the month in order to ensure that we earn the best possible effective interest rate. I have use the image you posted above in my blog(s) and should you disagree with it, please let me know and I shall remove it immediately.

As for RMs, well, they do have target to meet with other investment products and there are not there to serve us but employed to make more money for the banks, haha.

UOB new promo effective until 15 May 2013

3 Months - 3.45%
12 Months - 3.65%

As usual, minimum deposit for UOB is RM10K fresh funds.

And for those of you who are new to OCBC Combo Promo Plan where you need to deposit into a CASA like Smart Saver Account, click here to read my comments.

1st page for the 1st time

May I share, for ppl who prefers e-FD, AmBank has one of the best rates? 0.05% above board rates.

Welcome back Captain.




Please feel free to use any of my images in the future, it is my pleasure.

This post has been edited by BoomChaCha: Mar 3 2013, 09:14 PM

Kuwait Finance House in Pavillion does not give free parking for people who place FD there. This is different from KFH in Penang which offers free parking.

When I go to Pavillion, I have to pay at least RM 5.00 parking fee inside the Pavillion parking lot. This is quite costly unless the interest earned from FD is worth to cover few time of parking fees there.

Kuwait Finance House requires FD depositors to open a saving account, but it will take within 2 weeks for the advance interest to bank in into the saving account.

When I was in KFH Pavillion few weeks ago, their system was down.
Finally I did not place my FD there.

Thank you Sir for your permission


Wah, it takes two weeks before they bank in ar. Must go revise 1st post. Thanks for the info.

RM5 parking at Pavilion, that's kind of "cheap". Usually I have to pay more than that. Spend RMX amount there can get 1st hour free parking if not mistaken.

This post has been edited by Gen-X: Mar 3 2013, 10:21 PM

You are more than welcome. Captain.
Don't mention "permission" lah.. this is a very small matter mah..

This was what KFH Pavillion told me: KFH will bank in advance interest within 2 weeks.

KFH needs at least 2 working days to clear the check before they pay advance interest.


If place FD in KFH Pavillion, these are the parking fees involved:

(1) First day to place FD: RM 5.00
(2) To collect FD cert from KFH few days later (maybe 2 to 3 working days?): RM 5.00
(3) To collect advance interest within 2 weeks: RM 5.00
(4) To collect principle money when FD is matured: RM 5.00
Total: RM 20

Can save RM 5.00 if collect FD cert and advance interest on the same day.

I heard KFH can send somebody to depositor's house or office to collect check for placing FD.
But I am not sure if KFH can deliver FD cert or not?

any good terms with the Mach by hong leong of their 12 months 4% FD..
better rates than most of the bank, soemmore doesnt need to CASA
any advice?

So fast V4 d...good good =D

Still waiting for new FD offers, hopefully the rate will go higher =P

See Post #1, it's a promotional rate, after promotion is over, it'll go down to 3.25% which is fairly standard.

Am Bank eFD offers extra 0.2% p.a. on top of board rate for life:

http://www.ambankgroup.com/en/Promotions/D.../Pages/eFD.aspx

Where did you get 0.05%?

0.2% above board rate is current promotion due to expire, 0.05% has been there since e-FD offered by AmBank.

thanks all sifu sharing info here..

Went to OCBC during CNY for 3mth 4.5% FD but didn't open Smart Saver acc as I wasn't aware of the better interest rate. Wasted, lucky small amount only :'(

Ocbc staff should have advised you when opening up FD account

The OCBC 3.8 better or 4.5% better?

I plan to open one..

The 4.5% need minimun 7.5k?

When my mother uplifts her FD from RHB Malacca, she was only charge RM0.15 for a cheque.

UOB Raja Laut branch charges RM2.15 for cheques.

It seems that UOB has diff policy as Penang side they are only charging RM0.15 for 1 banker's cheque.

Noted. Lets see what others report here.

To ALL:

Someone told me that the HLB Term Deposit-i ending on 6th March 2013. So, you guys better go check it out tomorrow at the branch if you are interested in this promo.

I found out this when I was in UOB this afternoon:

If the FD account has one name only, if put the same name on the check when withdraw, then UOB charge RM 0.15 for the check.
If the FD account is joint-account with 2 names, if put the same 2 names on the check when withdraw, then UOB charge RM 0.15 for the check.

If the FD account is joint-account with 2 names, if put only one of the names on the check when withdraw, then UOB charge RM 2.15 for the check.

If put or add other person name(s) on the check, then UOB will charge RM 2.15 for the check.

So in conclusion, if the name(s) on the check is exactly the same on the FD account, then the check will cost RM 0.15; otherwise the check will cost
RM 2.15