The FD risk is minimal, but the exchange rate risk is not. If you put US$1000 in, you will get US$1000 + 6.15% = $1061.50 at the end of one year. The thing is, what's $1061.50 going to be worth in RM ?

Suppose at the beginning of the year you put in $1000 when US$1 = Rm3.80. So you actually put in $1000x3.8 = Rm3800.

At the end of the year, let's suppose that the exchange rate is now US$1 = Rm3.00. When you take out after one year, your $1061.50 will be worth $1061.50x3 = Rm3184.50.

So basically, if this were to happen, you'd actually lose Rm3800-Rm3184.50 = Rm615.50 after putting your money in FD for one year.

You see how you can lose money in foreign-currency dominated FD now ? it's not risk-free. It all depends on whether the currency goes up or down.

Have you really stopped to calculate how much money you really made ?