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Original FD Thread
Fixed Deposit Rates in Malaysia v2
Fixed Deposit Rates in Malaysia v3
Fixed Deposit Rates in Malaysia v4
Fixed Deposit Rates in Malaysia v5
Fixed Deposit Rates in Malaysia v6.1
Fixed Deposit Rates in Malaysia v7
Fixed Deposit Rates in Malaysia v8
Fixed Deposit Rates in Malaysia v9
Fixed Deposit Rates in Malaysia v10
Fixed Deposit Rates in Malaysia v11
Fixed Deposit Rates in Malaysia v12
Fixed Deposit Rates in Malaysia v13

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 at 6 August 2016.

Bank	1 month	3 months	6 months	12 months	Remarks
Affin Bank	3.00%	3.05%	3.15%	3.45%
Alliance Bank	3.05%	3.05%	3.10%	3.15%	FD Gold 12 months 3.25% (Interest paid monthly)
AmBank	2.95%	3.00%	3.05%	3.15%
Citibank	2.70%	2.75%	2.75%	2.85%
CIMB Bank	2.95%	3.00%	3.05%	3.10%
Hong Leong Bank	2.80%	2.85%	2.90%	2.90%
HSBC Bank	2.75%	2.85%	2.85%	2.90%
Maybank	2.95%	3.00%	3.05%	3.10%
OCBC Bank	2.65%	2.75%	2.85%	3.00%
RHB Bank	3.00%	3.05%	3.10%	3.05%
Public Bank	2.95%	3.00%	3.05%	3.10%	PB Golden 50 Plus 12 months 3.20%
Standard Chartered Bank	2.70%	2.85%	2.90%	3.00%
UOB Bank	2.70%	2.80%	2.90%	3.00%

Fixed / Time Deposit and Savings Account Promotions 2016.
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.

*
Affin Bank. Minimum Fresh Fund RM10K. Valid until 28 February 2016

Terms & Conditions



*
Bangkok Bank. Minimum Fresh Fund RM10K. Valid until 28 February 2017

3 months - 3.70%p.a.
5 months - 3.90%p.a.



This post has been edited by Ah SiAnG: Dec 21 2016, 09:16 PM

*
Maybank General Investment Account-i (GIA-i) Campaign. Minimum Fresh Fund RM10K. Valid until 15th February 2017

6 months - 3.90% p.a.
12 months - 4.10% p.a.

Terms & Conditions







*
Maybank FD/IFD-i SPEED 4 (4 MONTHS). Minimum Fresh Fund RM10K. Valid until 31 December 2016

4 months - 3.71% p.a.





*
Maybank FD/IFD-i JOY 2 (2 MONTHS). Minimum Fresh Fund RM25K. Valid until 31 December 2016

2 months - 3.60% p.a.

*
OCBC Bank. Minimum Fresh Fund RM10K. Valid until 31 December 2016

12 months - 4.00% p.a.

OCBC Fixed Deposit Deal T&C | OCBC Al-Amin Fixed Deposit Deal T&C



*
Public Bank PB Fixed Deposit / Term Deposit-i. Minimum Fresh Fund RM10K. Valid until 31 December 2016

6 months - 3.88% p.a.

Terms and Conditions

*
Bank Muamalat Wang Besar! 4 Campaign. Valid until 6 January 2017

Terms and Conditions




This post has been edited by Ah SiAnG: Dec 21 2016, 09:33 PM

*
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:-



eFD or eTD.Contributed by Nom-el



Contributed by ikanbilis


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



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

Banks that do not pay interest for non-working days(after FD maturity date eg Saturday, Sunday & Public Holidays)
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



List Of Banks With Survivorship Clause - Updated by magika on 16 November 2014
1. OCBC
2. RHB
3. Alliance
4. Ambank
5. Cimb
6. Hlb
7. Affin
8. MBB



A simple FD calculator to help you - by Human Nature on 13 January 2015
http://www.miniwebtool.com/fixed-deposit-calculator/

Good job @Ah SiAng !

Hoping that at least FD promo can stay at 4% level !

Yaya new thread
Expecting opr cut by year end

Syabas!

Guys, Is it considerable for Mbb 3.88 9 month fd ?
What gonna happening in this nine months, will we get back 4%+++ by new year ?

Thank all

best as of now.

Under Mbb merdeka promotion.


*Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised.

What is the meaning ?
They able to change the currently rates if we already placed an account?
or the rates on board ?

No way. FD rates will continue going down. OPR going down further.

as expected.. and by that time many will withdraw their fd

And move to where??

aud or amanah or ut for certain ppl

This post has been edited by aromachong: Aug 20 2016, 11:16 PM

Oh yeah...
But risk is high for UT & Aud
So some will still keep FD...

For Bangkok bank FD, can we open FD account without opening saving account?

Hi, everyone. If you don't meet the minimum of 10k that means you don't qualify for the promotion. So does that mean the only option is the regular rates of the banks? Thanks for clarifying.

Not necessarily. You have 2 options:
(i) look for banks that accept <RM10k as fresh fund (usually BSN - but I sm not sure if they have promo now or not
Bank Muamalat accept RM3k for 3 months - 3.98%)
Source: http://ringgitstretch.blogspot.my/
(ii) park in Maybank eGIA-i first. Every month uplift, add new money + interest earned until you reached RM10k.

Hope that helps.

Woot! so fast new thread yet again! Time flies man!!
my CIMB 3-mth is almost matured, time to see any good deals, or remain with the chuka idako

I hope some Banks will continue to offer straight forward 12 mths FD at 4% until end of tis yr

If u have locked-in, they won't change

Unlikely as OPR is going to be cut some more. Even the highest Affin (4.05% now) will be reduce.