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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
Fixed Deposit Rates in Malaysia v14

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 3 March 2018.

Bank	1 month	3 months	6 months	12 months	Remarks
Affin Bank	3.25%	3.30%	3.40	4.05%
Alliance Bank	3.20%	3.25%	3.30%	3.35%	FD Gold 12 months 3.45% (Interest paid monthly)
AmBank	3.15%	3.20%	3.30%	3.35%
Citibank	2.90%	2.90%	2.95%	2.95%
CIMB Bank	3.20%	3.25%	3.30%	3.35%
Hong Leong Bank	3.05%	3.10%	3.15%	3.15%
HSBC Bank	2.85%	3.00%	3.00%	3.15%
Maybank	3.15%	3.20%	3.30%	3.35%
OCBC Bank	2.90%	3.00%	3.15%	3.25%
RHB Bank	3.20%	3.25%	3.30%	3.35%
Public Bank	3.20%	3.25%	3.30%	3.35%	PB Golden 50 Plus 12 months 3.45%
Standard Chartered Bank	2.90%	3.05%	3.15%	3.25%
UOB Bank	2.95%	3.05%	3.15%	3.25%

Fixed / Time Deposit and Savings Account Promotions 2019.
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.

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Alliance Bank. Minimum Fresh Fund RM30K

Terms & Conditions





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Bangkok Bank. Minimum Fresh Fund RM5K. Valid until 12 February 2019

3 months - 3.85% p.a.
6 months - 3.90% p.a.
9 months - 3.90% p.a.
12 months - 4.20% p.a.



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Hong Leong Bank Berhad’s FD Promotion (For Astro subscribers only). Minimum Fresh Fund RM10K. Valid until 28 February 2019

Terms and Conditions



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Hong Leong Bank Berhad’s CNY FD Promotion. Minimum Fresh Fund RM10K. Valid until 28 February 2019

eFixed Deposit/-i Terms & Conditions | Fixed Deposit Terms & Conditions | Fixed Deposit/-i Terms & Conditions



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RHB Islamic 5 Months CMD-i Promotion 2019. Minimum Fresh Fund RM10K. Valid until 28 February 2019

CMD‑i Tenure	Promotional Rate
5 months	4.25% p.a

Terms And Conditions



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3 Months e-CMD-i Promotion 2019. Minimum Fresh Fund RM5K. Valid until 31 March 2019

3 months - 4.00% p.a.

Terms And Conditions



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OCBC Fixed Deposit Deals. Minimum Fresh Fund RM10K. Valid until 19 February 2019

12 months - 4.15% p.a.

Terms & Conditions (OCBC Fixed Deposit Deal) | Terms & Conditions (OCBC Al-Amin Fixed Deposit Deal) | Terms & Conditions (OCBC Fixed Deposit Deal with Mi FD/Mi FD-i) | Terms & Conditions (OCBC Fixed Deposit Deal with Mi FD-i)

This post has been edited by Ah SiAnG: Jan 29 2019, 10:10 PM

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Report from Members:-

This post has been edited by Ah SiAnG: Feb 1 2019, 07:53 PM

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Report from Members:-

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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/

This post has been edited by Ah SiAnG: Feb 8 2019, 08:45 PM

ALL THE PROMOS BELOW EXPIRED - KEPT FOR HISTORIC COMPARISON RECORD ONLY AGAINST NEW RATES

Ranked List of over-the-counter placement 12 months tenor FD promos with monthly payment of interest into specified savings account

Rank No - Company - Interest Rate p.a. - Minimum Principal per placement - Target Closing Date for Promo - Comments

1) MBSB - 4.10% - 100k - ufn (until further notice)

2) Bank Rakyat - 4.08% - 10k - 23 Feb 2017 (start 23 Jan 2017 Chinese New Year Promo - to end very soon)

3) Alliance - 4.05% - 50k - 31 March 2017 - for senior depositor 40 yrs old and above, FDGOLD (OVER & REPLACED)
Alliance - 4.05% - 500k - 31 March 2017 - FDGold for senior depositor 40 years and above (revise added on 22 Feb 2017)

4) OCBC - 4.00% - 10k - 28 Feb 2017 (entry added on 22 Feb 2017)

5) Hong Leong - 3.75% - 10k - ufn - Islamic FD (OVER & REPLACED)
Hong Leong - 3.80% - 10k - ufn - conventional and Islamic (revise added on 24 Feb 2017)


INITIAL INFO ABOVE posted 21 Dec 2016 AND REVISED 18 January, 22 and 24 February and 25 May 2017.


THE LIST OF FD PROMOS POSTED ON 28 JUNE 2019 FOR HISTORIC COMPARISON

Some FD promo rates recorded before end of half year 2019 for comparison.

Not all banks in this comparison list.
Special rates for PB, negos, children, seniors and bundles with fund products, insurance , wealth products etc
normally excluded as too complicated to mention and may not be suitable for comparison or unavailable for normal customer.
Please check and confirm with your particular bank branch/region as they may somehow have different rates or conditions from list below
which was compiled from verbal answers from bank staff and telephone calls in KL and PJ banks.
All here are usually OTC promo FD and normally require Fresh Funds unless otherwise stated/implied.

Affin Bank (20190627)
Promo from 17 May to 31 December 2019. Minimum 5k.

Islamic TD-i
p0m6 3.60 %
p0m12 4.05 %
p663m15 4.23 %

Conventional FD bundle 10 CASA : 90 FD
p0m6 3.78 %
p0m12 4.28 %
p663m15 4.48 %


AgroBank (20190627)
No promo.

Normal FRIA (upfront)
m6 3.30 %
m12 3.65 %

FRIA (45 years and above)
m6 3.25 %
m12 3.65 %


Alliance (20190627)
4 options of 3 bundles and 1 pure step-up FD. From 3 till 30 June 2019. Minimum 50k, maximum 3 million.

Option 4 Pure Step-up
p1m3 4.10 % + 4.15 % + 4.20 %


Ambank (20190620)
Need 10k in CASA to qualify.
p1m12 3.25 %


Bangkok (20190627)
No promo.
Previous promo till 30 June 2019 closed early due to overwhelming response.


Bank Muamalat (20190620)
No promo.


BIMB (Bank Islam) (20190621)
GO 7 promo over before 30 June 2019 as target reached.

Current promo running as follows:-
Minimum 5k till 30 June 2019.
p0m3 4.20 %
p0m6 4.40 %


BR (Bank Rakyat) (20190621)
No promo.


BSN (Bank Simpanan Nasional) (20190620)
No promo.


CIMB (20190620)
Rates updated every week. Minimum 10k.
p0m1 3.10 %
p0m3 3.50 %
p0m6 3.65 %
p0m12 3.80 %


HL (Hong Leong) (20190621)
Promo 27 CASA: 100 FD total RM 12,700 minimum. CASA lock-in for tenure.
p0m3 3.86 %
p0m6 3.94 %


KFH (Kuwait Finance House) (20190627)
No normal pure promo.

Not to be confused with KFH Senior ICM Account-i (55 years up). Minimum 5k.
p1m12 4.00 %


MBB (Maybank) (20190620)
No pure promo.

Not to be confused with bundled promo 1 ASN: 1 FD. Minimum 20k ASN:20k FD total 40k minimum.


MBSB (20190621)
No pure promo.

Can ask for special rate for big amount which follows regional HQ (formerly each branch can ask HQ, now follow regional HQ instructions).
Different region, different rates.


OCBC (20190627)
Minimum 10k. Till 30 June 2019..
p0m6 3.60 %
p0m12 3.90 %


PBB (Public Bank) (20190621)
Minimum 10k, maximum 10 million per customer per product. For both conventional Plus FD and islamic TD-i revised down from 1 April 2019 rates on 13 May till 30 Sep 2019.
p0m3 3.45 %
p0m6 3.60 %


RHB (20190620)
CMD-i Campaign 20 May to 31 July 2019. Minimum 10k.
p0m8 3.85 %
p0m15 4.00 %


SCB (Standard Chartered) (20190521)
No promo for normal customers.


UOB (20190620)
Promo 1 to 30 June 2019 revised down from previous 20 May to 30 June promo rates.
Minimum 10k, maximum 500k (no longer old maximum 1 million).

p1m4 3.65 %
p1m7 3.75 %
p1m12 3.93 %

This post has been edited by Deal Hunter: Sep 5 2019, 03:54 PM

Congrats on V15,

Merry Xmas, &

a Happy New Year

Check in to new V15

Hope the FD rate could be higher later on..

just wondering whether BSA without annual fee allowable?

Congrates on V15 !

I am looking for FD promo's. guy3288 posted on below which seems to be good rate for me for the 9 mth one:

"MBSB negotiated rate 4.15% 6month min 50k, 4.2% 9 month min 200k"

Hoping that Jan will have even better FD promo !

congrats on v15!!!

mbb e-gia still available for 6 months (min 10k) @ 3.9%

mbb egia can do it online?
anyone can advice how to apply for 6 month?

yes can... login to mb2u, click on fixed deposit, under gia, apply and key in your amount (min 10k for promo), and choose 6 months... then click in info you will see an exclamation mark (!) beside, and it will show the rate

got mention need to credit back to principal account upon mature?
I remember got 1 step need to choose corectly

nope either will do

I see that those with better rates are 12-months tenure. Is it advisable to put 12 months? Or try to put shorter term first and wait next year Jan or Feb?

Actually, at what point in time do we start a whole new thread version?

https://www.pbebank.com/Personal-Banking/Pr...ers-Reward.aspx

Hi all... the above promo is not fixed deposit right? When I read the T&C ... looks like only savings account or current account... in that case put in FD more worth right ?

This time last year, there were plenty going for 4.5%. Whats going on?

only for casa placement. better put $$ in fd.

bro, opr drop leh.

i am not too sure as i already had one account with them..

Used to be 2500 posts but now it no longer need to observe such rules.
I would suggest a new thread for each calendar year.
If the thread is too active, can always break it down to two i.e. FD rates in Malaysia 2017 1H and FD rates in Malaysia 2017 2H.

RHB 6 month 4.1% minimum 50k still available

If you choose to have monthly interest credited, will you still get 4.2%? I see it is usually 10 basis points lower if you choose monthly.

Do you think if you have RM1mil for 9 months will get better than 4.2%?

I don't know of any FD that will get less interest if you chose to have the interest credited to saving account monthly.

And if you have 1 million, best to walk into branch and negotiate for a better rate than 4.2%

MBSB has that "feature", check the below table:

http://www.mbsb.com.my/deposit_fixed_islamic.html

Thanks for the update
Just placed this afternoon

Any idea till when?

Need to have CASA?

regret didn't place more FD in Maybank eFD flexi campaign in may for 4.31% ...

now cannot find any better deals...

This post has been edited by TSOM: Dec 23 2016, 09:10 AM

RHB promo till 31 Jan 2017 unless target quota met earlier

This post has been edited by Deal Hunter: Dec 22 2016, 10:15 PM

4.7% effective rate?

sorry, I read wrongly, it's 4.31% effective rate.

This post has been edited by TSOM: Dec 23 2016, 09:11 AM

Lots of depositors still willing to place money at lower FD interest rates instead of highest rate. No pressure on banks to increase rates after last year's big collection to get more deposits especially with not strong demand/approval for loans. Banks happy to collect deposits at lower interest rates to lower overall cost of deposits.

Anyone know if rhb fd promo requires casa?

Till 31 Jan 2017 unless quota met earlier.
Yes, need CASA.

This post has been edited by starry: Dec 22 2016, 11:21 PM

got meh?

pure fd? tis was not discussed in tis thread before. last 3 years no 12 months 4.7% fd lo.

sorry sorry .... I read wrongly... the current rate I'm receiving now is 4.7% but effective rate is 4.31% only.

1-6th month = 3.4%
7-9th month = 4.7%
10-12th month = 5.75%

This post has been edited by TSOM: Dec 23 2016, 09:09 AM

https://www.imoney.my/articles/opr-expected...-be-cut-in-2017

That is more like it. Before OPR cut in last July, MBB has not been offering FD as high as even 4.5% offered by other banks. Affin has 4.5% FD promo in July before OPR cut.

That is kind of "old" news now (Nov 18th). With the USD rate going UP, what action BNM will take still need to be seen.

This post has been edited by bbgoat: Dec 23 2016, 10:39 AM

Hold it hold it haha

any news what's UOB's latest rate?

I tried, but the (!) did not appear. still available??

did you choose gia, and also 6 months duration, min placement must be 10k and above?

yes i did exactly as you instructed

This post has been edited by Chrono-Trigger: Dec 23 2016, 12:43 PM


Attached thumbnail(s)

U have to place first only can see the (!).. the rate will only come out after placement done n u go back to view ur placement.

ah got it

hmm..don't see the (!) any idea?

As I know, 12 months quota over.. left with 6 months

Ah I see. Thanks. Now I have to wait for the next day only I can withdraw it sigh.

Pls update if iit works for 6months : )

It's a pain in the back side isn't it? 😂

I think chrono-trigger got it.. ytd my 2 x 6 months placement also got it..

went to Maybank counter, the nice lady there told me the 12 months GIA is over, only left with 6 months. She asked to do online better, easier to uplift!

yep got it 6 months

thank you very much! got mine too for 6 months : )

Any idea when the 12 months offer ended ?

most flexible FD in the market now!

can withdraw anytime, and get paid the interest !

Not capital protected like Fd though

well if Maybank fails to protect our capital, i don't think any banks are safe in Malaysia at that level.

never say never, however unlikely. history had shown us.

The last bank run in Malaysia was MBF berhad 1999, BNM took over the bank, and refunded the customers.

bro, it is gia-i, not fd. just work like fd during normal time until ................

I think people need to understand why MBB still has FD and GIA-i. There is still a difference for the two as far as MBB is concerned.

This post has been edited by bbgoat: Dec 24 2016, 08:52 PM

it's ok the first sign of trouble i will withdraw it

So this e-gia, if you choose promo rate and tenure of 6 or 12 months with 10k up etc., then what if you uplift it before maturity? You still get the interest with promo rate or board rate??

That's what everyone hopes to do. Wish you all the best.

follow the step up rate.

Well I look at the Promo PDF.
It says in 6 month tenure, step-up rate for 1st month = 3.6%
Board rate now will be 3.55% I think.

So isn't it better if lets say a person wants to place 1 month or 2 month with > 10k, just choose the PROMO instead of board?

Then just uplift before maturity say 1month later, get 3.6% as oppose to 3.55 standard rate.

Will it work?

Seems feasible, can you please try it out and enlighten us?

It works. Tested before myself

actually cam go for RHB 4.1% for 6 month...
no need go for GIA

RHB deal need min 50k. If not bothered about PIDM, can go for MBSB, min 50k, 6 mth 4.15%.

I am planning to nego with MBSB on 9 mth 4.2% or higher.

It is just 0.05%. I think cant notice the different unless it is a big amount right?

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This post has been edited by filage: Dec 27 2016, 11:12 AM

Hi,
Anyone here knows PBB's policy in the calculation of FD interest of placements which matures on a weekend?

You have to tell the counter staff on this. They will calculate and give u the add'l interest.

Just made a call to UOB. Below is the latest FD promotion, valid until 31 Dec.

4 month : 3.80% p.a.
6 month : 3.85% p.a.
9 month : 3.90% p.a.
12 month : 3.95% p.a.

Fresh fund required.

Thanks for the reply bbgoat

The FD is placed for a tenure of 6 months under the following promotion step up rate:



So the interest for the final weekend should be based on board rate or promotion step up rate of 4.68%? This happened to my friend. One PBB branch calculated based on the board rate but another branch calculated based on the step up promo rate for FD placements which mature on a Saturday and uplifted on a Monday.

This post has been edited by starry: Dec 27 2016, 12:33 PM

Based on my experience with few banks, most used the board rate. One of them seem to use the last rate on maturity as I calculated the add'l interest given which is more than the board rate.

Anyway we have to ask to get this though some banks may not entertain it.

From my experience so far HSBC and HLB systems auto-calculate the weekend interest based on promo rate. There's no standard guideline from BNM regarding this?

Not that I am aware of. Some banks even refuse to give the interest for non working days. I only ask for big amt FD.

Best is banks like CB, BR, UOB where they adjust maturity date to next working day. Then we are getting the FD rates that we signed up for.

Just verified with my RM, the OCBC 4% is just for new customer.

my experience with one PB branch is they use board rate for the weekend interest calculation.. but you have to withdraw on the 1st day after the weekend/public holiday to be entitle for the weekend interests.

Hi bbgoat, may I know where do u see this MBSB offer? (4.15% for 6mths, 4.2% for 9mths)

From the official website, I cant find any eh... Thank you.

It is nego rate. This was posted by guy3288 on around 21/12 in previous FD thread:

"MBSB negotiated rate 4.15% 6month min 50k, 4.2% 9 month min 200k"

However better to call them to confirm as sometimes nego rate may close soon. I plan to call them either Wed or Thursday.

Just received info that RHB 4.1% 6 mth FD no more. Quota filled last week.

Affin Bank combo FD still available now?