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Original FD Thread
Fixed Deposit Rates in Malaysia V2
Fixed Deposits Rates in Malaysia V3
Fixed Deposit Rates in Malaysia V4
Fixed Deposits Rates in Malaysia V5
Fixed Deposits Rates in Malaysia V6.1

Note: Please refer to Post#2 for latest FD Promos by BoomChaCha

Notice / Disclaimer:-
Call & Visit the respective banks for confirmation & latest promotion.
We are not liable to any misinformation which might cause any financial or opportunity loss (which include FD rates & any others information).

Malaysia Major Commercial Banks and Foreign Banks Fixed Deposit / Time Deposit Rates as of 18 July 2014.

Bank - FD rates for 1 month, 3 months, 6 months and 12 months.


Affin Bank - 3.25%, 3.3%, 3.40% and 3.7% (Revised 18/7/14)

Alliance Bank - 3.15%, 3.2%, 3.25% and 3.3% (Revised 21/7/14). FD Gold 12 months 3.40% (Interest paid monthly).

AmBank - 3.15, 3.2%, 3.25% and 3.35% (Revised 18/7/14)

Citibank - 2.95%, 3.10%, 3.10% and 3.20% (Revised 17/7/14)

CIMB Bank - 3.15%, 3.2%, 3.25% and 3.30% (Revised down 7/10/14)

Hong Leong Bank - 3.05%, 3.1%, 3.2% and 3.30% (Revised 16/7/14)

HSBC Bank - 2.90%, 3.10%, 3.15% and 3.25% (Revised 16/7/14)

Maybank - 3.15%, 3.20%, 3.25% and 3.30% (Revised 16/7/14)

OCBC Bank - 2.75%, 2.85%, 2.9% and 3.05%

RHB Bank - 3.15%, 3.20%, 3.25% and 3.45% (Revised 18/7/14)

Public Bank - 3.15%, 3.20%, 3.30% and 3.35%. PB Golden 50 Plus 12 months 3.45% (Revised 16/7/14)

Standard Chartered Bank - 2.95%, 3.10%, 3.15% and 3.25% (Revised 23/7/14)

UOB Bank - 3.05%, 3.10%, 3.10% and 3.30% (Revised 18/7/14)

Fixed / Time Deposit and Savings Account Promotions 2014
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.

ALLIANCE BANK - valid until 31 December 2014.

For those of you above 40 years young, Alliance Bank is offering 4.1% for their FD Gold with minimum fresh fund RM30K.



Please note that the definition of Fresh Fund for Alliance eFD promo - contributed by kyenli



AFFIN BANK - contributed by Ramjade

*


HONG LEONG BANK

4.08% for 12 months



HLB Junior FD - 4.15% for 24 Months Tenure


*

MACH by HLB - MACH 3.85% for their 12 Months FD online interest rates




OCBC BANK - Minimum RM10K. Promo until 31 March 2015.

3 mth 3.8%,
6 mth 4%


UOB BANK - Until 28 February 2015

No Stupid CASA Requirements, No Step Up Rubbish and No need to have Savings or Cuurent Account!

Minimum RM10K Fresh Fund


3 Months - 3.85%

12 Months 4.10%


Christmas FD Promo until 24 Dece 2014 - Minimum Fresh Fund RM50K

6 Months 4%

12 Months -4.2%



*
RHB BANK - 1st reported and subsequent revisions by bbgoat and top secret brochure/image by dagdag1


*

PUBLIC BANK - 12 Months Step Up FD. Effective 27 October 2014 until February 2015. - First reported by cklimm



*

BANK RAKYAT - NOT Eligible for PIDM

If you are willing to go deposit with a non PIDM member, then check out Bank Rakyat Deposit Account -i which is based on Islamic Principles and like all Islamic banks' products, the profit rate cannot be guaranteed.



Thanks to all members who highlighted that deposit more than RM5K with BR is now eligible for monthly dividend. However, please note that many members here reported that their monthly dividends were not be credited monthly but they have to call up BR staff to have it done manually every month!!!
Special thanks to bbgoat for reporting the tenure to be eligible for monthly dividend:
**



For more Fixed Deposit Promotions and my comments on them, please click here to my FD Page.

If you are new to Fixed Deposit or even a serious FD fan, click here to my article Get More FREE MONEY With The Right Fixed Deposit Promotions.

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: Dec 16 2014, 11:09 AM

FD Promo - Please let me know if below info is not updated. Thanks

What are Hot..?
(1) OCBC 13 Months - 4.06% effective rate
(2) OCBC 3 Months Islamic - 3.85%
(3) OCBC 6 Months - 4.00%
(4) RHB 6 months - 4.00% p.a.
(5) RHB 9 months - 4.15% p.a. ---> Super Hot
(6) Affin for 24 Months - 4.38% p.a. ---> Super Hot
(7) Am Bank for 6 Months - 4% (4.05% for AmSignature - Priority Banking)
(8) Am Bank for 12 Months - 4.1% (4.15% for AmSignature - Priority Banking)
(9) HSBC Advance Account for 3 Months - 5%
(10) UOB 3 Months - 3.85%
(11) UOB 6 Months - 4.00% --> Christmas Promo, valid until 24th Dec 2014
(12) UOB 12 Months - 4.20% ---> Christmas Promo, valid until 31th Dec 2014 ---> Super Hot
(13) Am Bank 36 Months - 4.5% ---> Super Hot

Hong Leong Bank - Business Deposit - “CNY Great Fortune” Campaign - New added by cybpsych on 30 December 2014
2 Jan 2015 - 8 Feb 2015

HLB CNY Voucher
T & C


Public Bank Step-up FD, valid from 24 Dec 2014 to 28 Feb 2015 - New added by cherroy on 29 December 2014
9 months effective 4.11%

Public Bank FD Link

OCBC, valid from 15 December until 31 December 2014 - New added by dEviLs on 26 December 2014
13M promo, effective rate of 4.15%
Equaliser Treat
The OCBC Great Savings Treats is here! Restore the value of your money with Fixed Deposit rates of 4.00% p.a. for the first 12 months and 6.00% p.a. for the subsequent 1 month.


May Bank - New added by kyenli on 26 December 2014


Hong Leong Happy Friends Little Fluffy Promotion - New added by cybpsych on 24 December 2014
Junior Fixed Deposit - 15 December 2014 till 31 March 2015
Minimum JFD Placement Amount: RM1,000
Tenure: 24 Months
Promotional Interest Rate: 4.28 p.a.
The Promotion is open to all existing HLB and New-To-Bank (“NTB”) Malaysian and non-Malaysian Individuals who are below eighteen (18) years of age (“Customers”) whereby the 3-in-1 Junior Savings Account (“3-in-1 JSA”) opened or will be opened by their parents or legal guardian for the Customers as beneficiaries of the 3-in-1 JSA.


Mach by Hong Leong with monthly interest + Free RM200 Petrol Gift Card (For first 100 FD placements) from Ringgit Plus - New added by Mansamune on 17 December 2014
(1) 6 months 3.80%
(2) 12 months 4.00%
Min RM 10K


Am Bank, valid from 15 Dec until 31 January 2015 - New added by cklimm on 16 December 2014
4.5% for 3 years
Min fresh fund RM 10K


RHB with Conventional* & Islamic*, valid until 31 December (was 15 December) - Updated by by bbgoat on 16 December
(1) 6 months 4%
(2) 9 months 4.15%
Min 10k (was min 50k)
- Updated by dagdag1 on 7 November

Standard Chartered Bank, available till quota filled - New added by McFD2R on 4 December 2014
3.75% for 3 months
*Available for existing customer with their fixed deposit only - Updated by by munnie on 16 December

Hong Leong 12-Month Festive FD Promotion, valid from 15 December 2014 to 31 March 2015 (both dates inclusive) - New added by cybpsych on 12 December 2014
12 Months @ 4.08% p.a.
● Fresh fund required.
● Min RM10k. Max RM5mil.
● Required to nominate a CASA Account for the purpose of crediting the FD interest.
● FD interest must be credited into the CASA on a monthly basis.
● Interest to be added-on to the FD principal sum is not allowed.
● Upon maturity, the Principal FD amount shall be auto-renewed at the prevailing 12-month Conventional FD board rate.


Affin Bank, valid until 31 Dec 2014 - New added by cybpsych on 12 December 2014
(1) 3.90% for 6 months
(2) 4.10% for 12 months, need to put additional 20% of FD amount to CASA
(3) 4.18% for 15 months, need to put additional 20% of FD amount to CASA
Fresh fund with min. RM10k per customer.

Affin Bank, valid until February 2015 - New added by Ramjade on 11 November & cybpsych on 12 December 2014
(1) 4.18% for 15 months, need to put additional 15% of FD amount to CASA
(2) 4.28% for 18 months, need to put additional 10% of FD amount to CASA
(3) 4.38% for 24 months, pure FD. No need CASA. Just normal account for them to deposit interest
Fresh fund with min. RM10k per customer.
Opening account Rm100


Alliance Bank e-FD, valid until 31 Dec 2014 - New added by almeizer on 12 December 2014
(1) 4.15% for 9 months (was 3.90%)
(2) 4.00% for 6 months (was 3.75%)
Min 10k of new fund


Maybank FD "Countdown 1" Campaign - New added by cybpsych on 9 December 2014
9 December - 31 December 2014
Sweeter rate for 1 month @ 3.40% p.a.
To participate in the Campaign, the minimum placement amount is:
-- RM25,000 per receipt for Retail/Individual customers, or
-- RM50,000 per receipt for SME/Business Banking, Sole Proprietor, Partnership, Club/Societies/Association.
The promotional rates are offered for fresh funds only.


OCBC, valid until 31 March 2015 - New added by gsc on 1 December 2014
(1) 13 months FD promo ---> 12 months @3.9% p.a + 13th month @6% p.a = Effective rate is 4.06% - Updated by hcolin on 6 Dec 2014
(2) 3 month Islamic 3.85%
(3) 6 month 4%
(4) 1 month 6% investment bundle
(5) 1 month foreign currency additional 5%
(6) For Existing Funds - 12 months @3.5% p.a - Updated by hcolin on 6 Dec 2014

Mach Fixed Deposit Money Box Campaign - New added by cybpsych on 6 December 2014
Effective 6 December 2014 and ends on 28 February 2015, both dates inclusive
Min FD placement RM 1000.00 and up to RM250,000
With Monthly Interest
(1) 6-month @ 3.80% pa
(2) 12-month @ 4.00% pa ---> effective rate 4.07% (including monthly compound interest) - Updated by aeiou228 on 6 Dec 2014

UOB - New added by BartS on 5 December 2014
UOB FD Chinese New Year Promotion, valid until 28 Feb 2015
(1) 3.85 for 3 months
(2) 4.10 for 12 months
Min placement RM 10K

UOB FD Christmas Promotion, valid until 24th Dec 2014
(1) 4.00% for 6 months
(2) 4.20% for 12 months
Min placement RM 50K

Mach Bank - New added by byshierly on 5 December 2014
Online placement 12mths now is 4%

HSBC Amanah, valid from 3 Dec until 28 Feb 2015 - New added by dEviLs on 4 December 2014
4.00% for 6 Months
- for new/existing premier customer
- min 50k


Public Bank, valid from 1 Nov until 28 Feb 2015 - New added by magika on 24 November
Public Bank Step Up FD 3 months 3.70% + 3 months 3.80% + 3 months 3.90%.
- Updated by okuribito on 24 November

Public Bank FD Link - Updated by cybpsych on 24 November

Standard Chartered Bank From 3 Nov to 31 Dec 2014 - New added by dEviLs on 21 November
3 Months at 4.5%
Drawback: Need to sign-up Priority Banking account which requires min RM 250K

Hong Leong Bank with Monthly Interest, valid until March 2015 - New added by magika on 21 November
8 Mths FD Step-up up to 4.28 %
First 4 Months - 3.68%
Next 4 Months - 4.28%
Effective rate 3.98%
Min RM 10K. A saving account is required.

Bank Rakyat introduces Xclusive membership card - New added by okuribito on 20 November


AM Bank - New added by michaelho on 18 November
LATEST FROM AMBANK- Promo effective 17 NOV - 31 JAN 2015
AMSIGNATURE CUSTOMERS - additional 0.05%
No leaflet yet, so staff just wrote on piece of paper smile.gif - Ambank OUG
6 mths - 4% (4.05% for AmSignature)
12 mths - 4.1% (4.15% for AmSignature)
*AmSignature is priority banking customer with deposit RM200K and above
*50 years old and above can get monthly interest
- Updated by cybpsych on 21 November


RHB - New added by Gen-X on 14 November
Enjoy Interest Rate up to 3.95% p.a. for 3-month FD, T& C apply

Bank Rakyat Offers Up-front interest effective 30 Sept 2014 - New added by leo_kiatez on 12 November

Minimum FD placement RM 5K
The upfront interest promo is for FD of 6 mths only - Updated by okuribito & bbgoat on 12/13 November


CIMB, valid from 20 Oct 2014 to 31 Jan 2015 - New added by cklimm on 11 November
option1: 2 months 3.48% pa, min 20k, 5% in casa;
option2: step up FD, 12 months effective rate 3.69%pa


RHB P.A.Y.S. FD - New added by giko on 10 November
1. minimum term of three months
2. pays interest every month
3. can use your FD account as collateral for an overdraft facility of up to 100% margin
4. if buy shares on the BURSA through RHB, your first five orders are commission free
5. can withdraw some of your cash from this fixed deposit without losing interest earned on the remaining balance
6. minimum RM10000 to open an account
7. protected by PIDM
8. 3.2% interest


*RHB Conventional Page 1 & Page 2 - Updated by dEviLs on 20 November
"noted they have same promo for islamic too, the difference is in case you need to withdraw it pre-mature then you get more back (75%) from islamic as compared to conventional (50%)"


*RHB Islamic


May Bank
(1) 2 months 3.6% min 25k - Updated by bbgoat on 4 November
(2) 6+9 mths with 3.85%+4% interest - Updated by bbgoat on 29 Oct & cklimm on 3 Nov
Effective 3.94 % for 15 months - Updated by gsc on 3 November
M2U

RHB - A Deposit that Rewards in Gold Valid from 28 Oct to 28 Feb 2015 - New added by robert82 on 29 October
(1) Every RM 50K deposited in CASA, then RM 50K to RM 299,999.00 FD can earn 3.78% for 3 months*
(2) Every RM 300K deposited in CASA, then RM 300K & above FD can earn 3.88% for 3 months*
* Note: FD amount must not more than CASA amount


HSBC advance FD promo for 3m FD for new customer joining advance (eligibility is 30k only) - New added by dEviLs on 31 October
- Preferential rate of 5% p.a. on a 3-month Time Deposit (Standard Scheme) placement.
- Minimum placement of RM5,000 and up to a maximum RM30,000 for each HSBC Advance relationship maintained.
- One-time preferential rate for first Time Deposit placement.


Public Bank, valid from 27 Oct 2014 to 28 Feb 2015 - New added by cklimm on 27 October
MIn RM 20K - Updated by Lineage on 27 October

- Updated by FDInvestor on 27 October

KFH, valid from 9 October to 31 December - (New added by pinpinmiao on 11 October)

effective rates:- (updated by giko on 11 October)
(1) 13 mths = 3.760% or 3.779% if compounded. Minimum deposit fund RM10k
(2) 26 mths = 4.098% or 4.149% if compounded. Minimum deposit fund RM25k

Affin OMG is still available until 31 Dec 2014:
http://www.affinbank.com.my/General/Whats-...--Campaign.aspx

(2) Hong Leong Bank - Priority Banking's Deposit Savvy - From 4 July to 31 Dec
4% for 3 months, 75% in FD and 25% in Premium saving account.
Effective rate is approximately 3.56% (average with saving a/c rate 2.25% for 90 days).
Link: https://www.hlb.com.my/main/promotion/20140...2-deposit-savvy

Hong Leong Bank's Member-Get-Member Programme
Received sms...bring a family or friend to open Hong Leong Saving account with RM5k deposit, both get gifts. Valid until 30 June 2015- by gsc & HJebat

FD Market News
Bank Negara likely to cut OPR in 2015 - New added by spikeman on 19 December 2014
http://www.thestar.com.my/Business/Busines...-UBS/?style=biz


Banks that pay interest for non-working days - Updated on 13 Dec 2014
OCBC
Bank Rakyat
UOB
May Bank (Need to remind May bank staff to add interest)
Affin Bank - updated by cybpscyh on 12 Dec 2014

Banks that do not pay interest for non-working days
Am Bank
RHB
Standard & Chartered Bank

Bank that non-voluntary credit interest unless appeal
Public Bank (Need to complain to BNM then only pay interest)


New IBG Transfer Timing - Updated by gchowyh on 16 December 2014


Old New IBG Transfer Timing


Thanks so much to below Contributors: 
cherroy
Gen-X
munkeyflo
McFD2R - 2 contributions
pinpinmiao - 2 contributions
gsc - 7 contributions
cybpscyh - 10 contributions
kingofong
FDInvestor - 2 contributions
michaelho - 3 contributions
wil-i-am - 2 contributions
X_hunter
HJebat
guy3288
bbgoat - 10 contributions
giko - 4 contributions
nsx88
raptar_eric - 2 contributions
sylille
harmonics3 - 2 contributions
xcxa23
RO Player - 2 contributions
Styrroyds
yklooi - 2 contributions
haur
netbuzzchin
nomen
Human Nature
MGM
kinabalu
kwokwah
bearbear
gchowyh - 2 contributions
AVFAN
wr6969
kimmo88
cklimm - 4 contributions
Lineage
dEviLs - 6 contributions
Mansamune - 4 contributions
robert82
dagdag1
Ramjade
leo_kiatez
okuribito - 3 contributions
magika - 2 contributions
byshierly
BartS
hcolin
almeizer
munnie
kyenli

This post has been edited by BoomChaCha: Dec 30 2014, 11:46 PM

Well Done Gen-X

Check-in V7 Good job Sifu

reporting in...best pidm deal now uob 13m?

Bro, UOB 13 months interest paid semi-annually too deposited into CASA.

This post has been edited by Gen-X: Sep 6 2014, 10:19 AM

Newb here.

Where do I find the comparison for eFD rates? (online placements)

Too lazy to walk in to bank.. hehe

Reporting in to V7

I guess it depends on what bank accounts you have too. Say if you don't have a CIMB account but CIMB gives the best eFD rates, you still have to walk in to a branch to create an account and CIMB Clicks before you can place your eFD.

eFD rates are usually stated on the bank's website.

Can withdraw on the second days means the whole amount, or need to leave a token sum inside the SA? Should be able to transfer out using online IBG right? Thanks

This post has been edited by Human Nature: Sep 6 2014, 12:14 PM

the missing article = EPF caught in tricky bind

http://www.therakyatpost.com/business/2014...ht-tricky-bind/

Recent released weak July export number has suggested low possibility of rate hike in Sept BNM meeting.

Ahhh... Too bad for ppl like me with no loans.

https://www.pbebank.com/Personal-Banking/Pr...A-Campaign.aspx

the 4% of PBB , izzit all type of saving account entitled for it?
sorry still new, cause it write what product FD plus conventional

BoomChaCha
1. Fuiyo, 5% FD + 3% SA and you still hesitate to act? What makes you to have different opinion now than you had before?

2. Why don't wanna attend HLB open house? You kena spooked by giko's tale? It's still OK for me la...just join in the celebration, mingle with people & compete in games. It is a very informal public event if we do not have any money transaction. So it won’t draw much attention.

3. If it is 3 years, then I’d say it is possible that MBSB will revise the 4.70%...I thought you were referring to the possibility of a revision between now until year end

Warrior, I hate the feeling of regret since after missing the 5%.
I did not want to repeat this regret, so I decided to execute my "Dead or Alive plan."

"Dead or Alive plan" means I am willing to take a 5 years gamble either to earn extra FD interest or to lose some interest
for 5 years.. I had to gave myself the guts to do it...


Aiya, don't want lah.. Ha ha..

At first, the staff from MBSB branch gave me a wrong info that MBSB, CIMB and RHB would merge officially by next year January.
If the above 3 were to merge officially by next year January, then I guess MBSB would not revise the 5 years rate.

Hope this answers to your question?

Guys need some light here...

Referred to Maybank FD rates, effective is 3.85%, where the promotion rate for 12 months is up to 6%. So how they calculate it? Let say I deposit 10k for 3 months....

Actually I still blind with FD running process and interest earned... Hope sifus out there can enlightenment me. Thanks

Another question, how to eligible to earn 6% for maybank FD? Thanks

This post has been edited by geniuz: Sep 7 2014, 01:03 PM

Principal Rate Int (pa) Int Rec'd
10,000.00 3.30% 330.00 82.50
10,000.00 3.50% 350.00 87.50
10,000.00 3.70% 370.00 123.33
10,000.00 5.00% 500.00 41.67
10,000.00 6.00% 600.00 50.00
385.00

Likewise...I can still feel the woe of not depositing $$$ for the 5%, but no point lamenting now.

The red part hor...how come a FD yielding 4.70% or 5% can make you lose some interest for 5 years? It is only possible if you are really si beh unlucky, place 4.7% 5-year FD in MBSB on 8 August, then on the next day MBSB raises the rate to 5%


Why you shy shy wanna join la? Can't help but raise my suspicion that instead of a historian/librarian/bookkeeper, you are actually an undercover/spy/double-agent lying low to avoid being conspicuous


Yup, it does.

First row... At rate 3.30%... So i get 330 or 82.50? How u calculate to get 82.50?

U get 82.50 which is 1st 3 mths int