Banking & Saving
Best FD Rates in Malaysia – Earn up to 4.01% for one year
What is a Fixed Deposit (FD)
A FD is a type of savings or investment account that guarantees a rate of interest for a fixed period offered by all banks in Malaysia. Unlike most regular savings accounts that calculates interest on a daily basis, no interest is paid to you if you decide to withdraw or uplift just one sen of your money before the end of the FD period, the maturity date . This means a smart saver will only enter into FDs when they are able to put cash aside for the entire period.
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Fixed Deposit Rates Comparison Tool - See the best rates for your desired deposit amount and tenure!
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Fixed Deposit (FD) vs. Instant access savings (Savings Accounts)
| FD | Normal instant access savings |
|---|---|
| + Generally higher rate of interest | + Easy access to your savings |
| + Guaranteed interest rate | + Interest calculated daily |
| + Easy calculations for your return | + Generally lower minimum amount to open |
| - Less flexible/liquidity | - Lower rate of interest |
You might think putting your money in a normal savings account means you will get high rates of interest. But let’s take a real life example of the extra money you could be saving with a FD over the savings account from the same banking institution, CIMB Bank with a amount of RM25,000.
| CIMB | Instant Access Savings | Fixed Deposit | Extra RM straight into your pocket! |
|---|---|---|---|
| Interest Rate | 0.40% | 3.00% | |
| 1 Month | RM3.88 | RM62.50 | RM58.67 |
| Interest Rate | 0.40% | 3.05% | |
| 3 Months | RM25.01 | RM187.97 | RM162.96 |
| Interest rate | 0.40% | 3.15% | |
| 12 Months | RM100.18 | RM798.97 | RM698.79 |
The interest rate can vary depending on the length of time you what to keep your money locked up. Normally, the longer the FD time period, the higher the interest rate the banks will offer as represented by the table above. Rates effective as of 17/02/2012.
Why do banks offer higher rates on FD?
It is also very important to know that the longer you fix for, the more you are risking the fact that an unpredicatable future means this could be a bad choice. If interest rates were to increase rapidly, you would’ve lost the flexibility to change and switch to a better FD account without losing the interest that you had earned so far. That is one of the reasons why banks can give you higher interest rates than most savings accounts because you are taking this ‘time risk.’ Furthermore banks don’t pay interest if you withdraw any funds earlier than your selected maturity. This means you have more of an incentive to keep your money with them until the end of the period, thus holding your cash for longer over basic savings accounts!
Do you depend on savings interest as your income source?
When using fixed rate savings, you won’t usually get paid monthly interest. Therefore many who rely on interest earned from savings as an income stream don’t use FDs, even though they’re paying higher rates. Yet there’s a way to work around this easily.
Here’s an example: Ali has RM100,000, and can get 4% in a 12-month FD and only 1% in an instant access savings account. He would like about RM4,000 of interest from these savings to add to his income for spending. To do this, he should put RM96,000 in the FD, and RM4,000 in the instant access savings. Then spend the instant access money over the year, knowing the RM3,840 interest earned in the fixed account will make up for it. He’ll effectively get the high rate and be spending the interest.
This way you can grab the higher rate FD accounts, but retain access to enough cash in the meantime. Remember though, if you might need to get at the whole lump within the fixed term, this trick won’t help and FDs may not be for you.
Is my money safe in Fixed Deposits?
During the 2008 financial crisis, global banks around the world starting collapsing and since then, people started to question the security of their savings. The possibility of local and foreign banks in Malaysia remaining in business forever is not guaranteed and thus your savings could be at risk should a bank fail. So is your money safe?
The golden rule to saving is to ensure you put your cash into a Malaysia regulated bank that is protected under the Perbadanan Insurans Deposit Malaysia (PIDM) membership scheme. PIDM protects your bank deposits and will promptly reimburse you on your insured deposits should a member bank fail and there is no charge for this insurance protection. Keep an eye out for the logo at your banking institution (image below).
Savings of up to RM 250,000 is guaranteed by the PIDM per institution so if you have less than than, you don’t have too much to worry about. If you have more to save, you can get protection on your entire savings by dividing your savings into several FD accounts/bank institutions.
Example: you had RM1,000,000 and didn’t want to take any risk, you could open 4 separate FDs in 4 separate banks.
Another way to protect your savings is to open joint accounts because they also enjoy separate deposit insurance under the PIDM scheme. You could place RM250,000 into your own FD but also open a joint FD accounts with your father, mother spouse etc.
What you are effectively doing is spreading the risk over many banks and thus not putting all your eggs into one basket. Click here for a list of all PIDM member institutions.
See the full Are My Savings Safe in a Bank Article.
The Best 1-Month FD Rates – up to 3.10% p.a.
Keeping money in a 1-month FD is a simple way to increase your interest income without having to sacrifice too much short term requirement of funds. By managing your monthly incomings and outgoings you can organise a different 1-month FD every month and still have access to your funds when you need it on one day each month.
Bank Rakyat Akaun Deposit-i Makeen – Highest 1-month FD rate at 3.26% p.a.
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Interest Rate: 3.26% p.a
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| Bank Rakyat Akaun Deposit-i Makeen | 0.268% | 3.26% p.a. |
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| Deposit Amount | 1 month Interest | 12 months interest |
| RM10,000 | RM26.77 | RM326.00 |
| RM50,000 | RM133.85 | RM1,630.00 |
| RM100,000 | RM267.69 | RM3,260.00 |
Go to Bank Raykat
Bank Rakyat’s Akaun Deposit-i Makeen is the market leader at 3.26% p.a, outfoxing it’s nearest competitors by a significant margin ( most other banks hover around the 2.90%-3.00% rate to Affin Bank’s 3.06% p.a.) However, our main concern is with their PIDM status. As Bank Rakyat is a Cooperative Bank, they are not covered under this explicit guarantee. As such, you will only get implicit protection from the Ministry of Finance under the Development of Financial Institution Act (DAFIA).
Affin Islamic Bank General Investment Account-i – 1-month rate at 3.06% p.a
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Interest Rate: 3.06% p.a
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| Affin Islamic GIA | 0.251% | 3.06% p.a. |
|---|---|---|
| Deposit Amount | 1 month Interest | 12 months interest |
| RM10,000 | RM25.15 | RM306.00 |
| RM50,000 | RM125.75 | RM1,530.00 |
| RM100,000 | RM251.49 | RM3,060.00 |
Go to Affin Islamic Bank
Affin Islamic Bank’s rate of 3.06% p.a is market leading among the more established banks in the industry, but only marginally. Most large banks in Malaysia offer between 2.90%-3.00% for 1-month FDs.
The Best 1-month FD rate for Senior Citizens
Public Bank Golden 50 PLUS Fixed Deposit Account-highest 1-month among major banks at 3.1% p.a.
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Interest rate: 3.1% p.a |
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| Type | Discount Rate |
|---|---|
| Householders Insurance | 15% |
| Traveller Personal Accident Insurance | 25% |
| Golfers Insurance | 25% |
5.
| Placement Options | Option 1 | Option 2 |
|---|---|---|
| Tenure | 1 to 12 months | 15, 18, 21, 24, 36, 48 & 60 months |
| Interest Rate | 0.1% p.a. above the prevailing PLUS Fixed Deposit interest rates for the respective tenures | 0.1% p.a. above the prevailing 15 months PLUS Fixed Deposit interest rates |
| Interest Payment Method | Credited into customer’s savings or current account maintained with the Bank upon maturity, OR Add to the principal upon maturity |
Credited into customer’s savings or current account maintained with the Bank on a monthly basis |
Calculated Interest:
| PB Golden 50 PLUS FD | 0.255% | 3.10% p.a. |
|---|---|---|
| Deposit Amount | 1 month Interest | 12 months interest |
| RM10,000 | RM25.47 | RM310.00 |
| RM50,000 | RM127.37 | RM1,550.00 |
| RM100,000 | RM254.73 | RM3,100.00 |
Eligible for protection by PIDM
Go to Public Bank
Public Bank’s Golden 50 PLUS Fixed Deposit Account is market leading among the more established banks, but only by a slim margin. Most large banks in Malaysia offer 2.90%-3.00% p.a for a 1-month tenure. Senior citizens (50 yrs or older) who are willing to deposit RM30,000 of their money can enjoy leading market rates, along with a slew of other benefits, which in our opinon, make it a very attractive package.
The Best 3-Month FD rates - up to 3.65% p.a
Bank Rakyat Akaun Deposit-i Makeen – Competitive 3-month FD rate at 3.65% p.a.
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Interest Rate: 3.65% p.a
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| Bank Rakyat Akaun Deposit-i Makeen | 0.268% | 3.26% p.a. |
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| Deposit Amount | 1 month Interest | 12 months interest |
| RM10,000 | RM26.77 | RM326.00 |
| RM50,000 | RM133.85 | RM1,630.00 |
| RM100,000 | RM267.69 | RM3,260.00 |
Go to Bank Raykat
Bank Rakyat’s Akaun Deposit-i Makeen is a market leader at 3.65% p.a. However, our main concern is with their PIDM status. As Bank Rakyat is a Cooperative Bank, they are not covered under this explicit guarantee. As such, you will only get implicit protection from the Ministry of Finance under the Development of Financial Institution Act (DAFIA).
OCBC Share For More Fixed Deposit and Commodity Murabahah General Investment Account-i Promotion 3-Months 3.55% p.a. and 12-Months 3.70% p.a. (until 30th June 2013)
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Promotion Period: 1st April – 30th June 2013
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OCBC offer a very straight forward 3-months and 12-months fixed deposit promotion recently, this means that all you need to do is just deposit your money into the account, and you don’t need to worry about CASA Bundle or Step Up is this promotion. You can get up to 3.55% p.a. for 3-months FD and up to 3.70% p.a. for 12-months FD. The requirement that you must take note is this promotion is only for joint depositors. The minimum deposit required for this promotion is RM5,000 and the maximum deposit is RM1million. So, what is the amount of interest you can earned in this promotion?
The interest rate of 3.55% p.a. for 3-month fixed deposit and 3.70% p.a. for 12-month fixed deposit is quite high, and it actually brings this promotion to one of the top in 3-month and 12-month Fixed Deposit market, Bank Rakyat offered 3.65% p.a. for 3-month fixed deposit and 4.01% p.a. for 12-month fixed deposit.Interested to know more about FD as well as the top rates for different FD tenures? Then head on to our “Best FD Rates in Malaysia – Earn up to 4.01% for one year” article! Or you can try our very handy Fixed Deposit Comparison Tool to compare the available bank and FD rates in the market! |
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The Best 6-Month FD rates – up to 3.91% p.a.
KFH International Commodity Murabahah Deposit-i Campaign – 6 / 12 / 24 Months Fixed Deposit Promotion at 3.88% p.a. (until 30th June 2013)
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Promotion End Date: 30 June 2013
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| Go To KFH | |||||||||||||||||
Kuwait Finance House International Commodity Murabahah Deposit-i Campaign is back again! This time they offered 6, 12 and 24 month tenures with 3.88% p.a. Same with the previous, the promotion is actually very straight forward, this mean that all you need to do is just deposit your money into the account and the 3.88% will charged on it. (you don’t need worry about CASA or Step Up in this promotion)The table below show the the amount of interest you can get with 6, 12 and 24 months tenures:
The interest rate of 3.88% is quite high, and it actually brings this promotion to the top in 6 month Fixed Deposit market and one of the top in 12 month Fixed Deposit market. The only thing we don’t really like for this promotion is the minimum deposit for this promotion is RM20,000. |
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Standard Chartered 6 Month Fixed Deposit + “CASA” JustOne Account + Credit Card – Enjoy up to 3.9% p.a. – Effective rate of 2.19% to 3.91% p.a. (ends 30th June 2013)
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Promotion Period: 1st April – 30th June 2013.
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Standard Chartered has introduced their latest Fixed Deposit promotion, which is open to customers who have a JustOne Account with Standard Chartered Bank Malaysia Berhad or a Saadiq JustOne Account-i with Standard Chartered Saadiq Berhad, whether opened before or during the Campaign Period. It bears some similarities to their previous promotion that ended 31st March 2013, but let’s take a look what’s new on offer. |
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| Standard Chartered Promo | Promo FD | JustOne Priority Account / Saadiq JustOne Priority Account-i (5 month CASA) | 1 Month Conventional FD | Total |
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| Initial Deposit | RM5,000.00 | RM10,000.00 | RM10,000.00 | RM15,000.00 |
| Interest Rate p.a. | 4.00% | 1.00% | 2.75% | 2.19% |
| Interest Generated | RM99.02 | RM41.55 | RM22.63 | RM163.20 |
| Standard Chartered Promo | Promo FD | JustOne Priority Account / Saadiq JustOne Priority Account-i (5 month CASA) | 1 Month Conventional FD | Total |
|---|---|---|---|---|
| Initial Deposit | RM300,000.00 | RM10,000.00 | RM10,000.00 | RM310,000.00 |
| Interest Rate p.a. | 4.00% | 1.00% | 2.75% | 3.91% |
| Interest Generated | RM5,941.17 | RM41.55 | RM22.63 | RM6,005.35 |
Example 2 : JustOne Preferred Account / Saadiq JustOne Preferred Account-i
| Standard Chartered Promo | Promo FD | JustOne Preferred Account / Saadiq JustOne Preferred Account-i (5 month CASA) | 1 Month Conventional FD | Total |
|---|---|---|---|---|
| Initial Deposit | RM5,000.00 | RM5,000.00 | RM5,000.00 | RM10,000.00 |
| Interest Rate p.a. | 3.70% | 0.50% | 2.75% | 2.28% |
| Interest Generated | RM91.66 | RM10.40 | RM11.32 | RM113.38 |
| Standard Chartered Promo | Promo FD | JustOne Preferred Account / Saadiq JustOne Preferred Account-i (5 month CASA) | 1 Month Conventional FD | Total |
|---|---|---|---|---|
| Initial Deposit | RM300,000.00 | RM5,000.00 | RM5,000.00 | RM305,000.00 |
| Interest Rate p.a. | 3.70% | 0.50% | 2.75% | 3.65% |
| Interest Generated | RM5,499.59 | RM10.40 | RM11.32 | RM5,521.31 |
Example 3 : JustOne Personal Account / Saadiq JustOne Personal Account-i
| Standard Chartered Promo | Promo FD | JustOne Personal Account / Saadiq JustOne Personal Account-i (5 month CASA) | 1 Month Conventional FD | Total |
|---|---|---|---|---|
| Initial Deposit | RM5,000.00 | RM1,500.00 | RM1,500.00 | RM6,500.00 |
| Interest Rate p.a. | 3.50% | 0.25% | 2.75% | 2.842% |
| Interest Generated | RM86.75 | RM1.56 | RM3.39 | RM91.70 |
| Standard Chartered Promo | Promo FD | JustOne Personal Aacount / Saadiq JustOne Personal Account-i (5 month CASA) | 1 Month Conventional FD | Total |
|---|---|---|---|---|
| Initial Deposit | RM300,000.00 | RM1,500.00 | RM1,500.00 | RM301,500.00 |
| Interest Rate p.a. | 3.50% | 0.25% | 2.75% | 3.49% |
| Interest Generated | RM5,024.85 | RM1.56 | RM3.39 | RM5,209.81 |
*Note to clarify: The one-month conventional FD is the amount that has been uplifted from the 5-month CASA to make a total of six months to match the promotional FD.
From the examples above, we have found that the best way to maximise your effective interest rate is by depositing the maximum amount of RM300,000.00 into the Fixed Deposit account. Doing so will net you an effective rate of 3.85% p.a., which is very close to the advertised 3.90% p.a. With a lesser amount, however, you will not manage to get the highlighted rates.
Also, why not take a look at our easy-to-use Fixed Deposit Comparison tool to find the best FD account for you!
Bank Rakyat Akaun Deposit-i Makeen (Fixed Deposit)- top 6 month rate at 3.75% p.a
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Interest Rate: 3.75% p.a
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| Bank Rakyat 6-months | 1.858% | 3.75% p.a. |
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| Deposit Amount | 6 month Interest | 12 months interest |
| RM10,000 | RM185.77 | RM375.00 |
| RM50,000 | RM928.87 | RM1,875.00 |
| RM100,000 | RM1,857.74 | RM3,750.00 |
Go to Bank Rakyat
Bank Rakyat’s Akaun Deposit-i Makeen is the market leader here with 3.75% p.a. Our main concern is with their PIDM status. As Bank Rakyat is a Cooperative Bank, they are not covered under this explicit guarantee, and you will only get implicit protection from the Ministry of Finance under the Development of Financial Institution Act (DAFIA).
Hong Leong Priority Banking Premium Fixed Deposit Promotion – 3.98% p.a. for 6-month FD / CASA Bundling (6th March – 30th June 2013)
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Minimum Deposit:
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Hong Leong’s latest promotion offers a quite high promotional rate of 3.98% p.a for their 6-month Fixed Deposit. However, upon a closer we realized that look shows us that this Fixed Deposit promotion is actually bundled together with a CASA account, and this almost always means that you can expect a lower effective rate. But first up, we should let you know that this promotion is for new and existing Hong Leong Bank Priority Banking customers only.In order to be eligible for this promotion, you need to deposit a specific sum into a Hong Leong CASA account. In this case, the CASA amount depends on your Fixed Deposit placement amount :Tier I : If your FD placement amount is between RM50,000 to RM999,999, you have to deposit an additional of 8% of your FD placement into a CASA account. Example : If your FD placement is RM50,000, your CASA deposit is RM4,000 (8% of RM50,000), so your total deposit will be RM54,000.Here’s a calculation of how much interested you can earn :
From the table above, you can see that you won’t actually be getting 3.98% p.a. as advertised by Hong Leong.Tier II : As for tier II, if your FD placement is between RM1,000,000 to RM3,000,000, you have to deposit RM80,000 into your CASA account to be eligible in this promotion.Similarly, you still won’t get the promo price of 3.98%, but the more you put in, the more interest you’ll generate :
For these table above, the CASA accounts will be earmarked for 4 months (means you can’t take your money out for 4 months, basically). So once the 4 months is up, you might as well put them into a conventional FD for 2 months (because FD have higher interest than CASA) while waiting for your promotional 6-month FD to reach its prime. This will of course, helps generate even more interest during the whole six months! |
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Affin Islamic Bank General Investment Account-i – competitive 6-month rate of 3.26% p.a., good if you don’t want Bank Rakyat
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Interest Rate: 3.26% p.a
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| Affin/Affin Islamic 6-months | 1.617% | 3.26% p.a. |
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| Deposit Amount | 6 month Interest | 12 months interest |
| RM10,000 | RM161.69 | RM326.00 |
| RM50,000 | RM808.46 | RM1,630.00 |
| RM100,000 | RM1,616.93 | RM3,260.00 |
Go to Affin Islamic Bank
The Best 9-month FD rates – up to 3.85% p.a
Bank Rakyat Akaun Deposit-i Makeen (Fixed Deposit)- top 9 month rate at 3.75% p.a
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Interest Rate: 3.85% p.a
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| Bank Rakyat 9-months | 2.874% | 3.85% p.a. |
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| Deposit Amount | 9 month Interest | 12 months interest |
| RM10,000 | RM287.38 | RM385.00 |
| RM50,000 | RM1,436.91 | RM1,925.00 |
| RM100,000 | RM2,873.82 | RM3,850.00 |
Go to Bank Rakyat
Once again, Bank Rakyat’s Akaun Deposit-i Makeen is the market leader here with 3.75% p.a. Our main concern is with their PIDM status. As Bank Rakyat is a Cooperative Bank, they are not covered under this explicit guarantee, and you will only get implicit protection from the Ministry of Finance under the Development of Financial Institution Act (DAFIA).
The Best 12-Month FD rates – up to 4.01 % p.a
Bank Rakyat Qiradh GIA / GIA (Mubeen) (Fixed Deposit) – highest 12 month rate at 4.01% p.a
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Interest Rate: 4.01% p.a
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| Bank Rakyat 12-months | 4.01% p.a. |
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| Deposit Amount | 12 months interest |
| RM10,000 | RM401.00 |
| RM50,000 | RM2,005.00 |
| RM100,000 | RM4,010.00 |
Go to Bank Rakyat
No surprises here, Bank Rakyat’s Akaun Deposit-i Makeen is the market leader with 4.01% p.a. However, once again, our main concern is with their PIDM status. As Bank Rakyat is a Cooperative Bank, they are not covered under this explicit guarantee, and you will only get implicit protection from the Ministry of Finance under the Development of Financial Institution Act (DAFIA).
Affin Islamic Bank General Investment Account-i – competitive 6-month rate of 3.60% p.a., good if you don’t want Bank Rakyat
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Interest Rate: 3.60% p.a
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| Affin Bank/Affin Islamic Bank 12-month General Investment Account-i | 3.60% p.a. |
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| Deposit Amount | 12 months interest |
| RM10,000 | RM360.00 |
| RM50,000 | RM1,800.00 |
| RM100,000 | RM3,600.00 |
Go to Affin Islamic Bank
OCBC Solo Fixed Deposit and Commodity Murabahah General Investment Account-i 3.40% p.a. for 3-month and 12-month Fixed Deposit Promotion (until 30th June 2013)
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Promotion Period: 1st April – 30th June 2013
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| Go To OCBC | |||||||||||||
OCBC recently have a few promotion for Fixed Deposit. The three main FD promotion that they offer are joint depositors FD, CASA Bundle FD and Solo FD. So, if you not interested in CASA Bundle FD or you want to open a FD account alone, then Solo FD may be your cup of tea.The Solo Fixed Deposit is a very straight forward promotion, all you need to do is just deposit your money into the account and the 3.40% p.a. will charged on it. The minimum deposit for this promotion is RM5,000. The table below show the amount of interest you can get with 3 and 12 months tenures:
The interest rate of 3.40% p.a. doesn’t bring the promotion as one of the top 3-month or 12-month FD in the market. You can actually get up to 3.65% p.a. for 3-month FD from and 4.01% p.a. for 12-month FD from Bank Rakyat. |
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Some additional points for the high flyers out there:
If you are a preferred or priority bank customer, you may receive higher rate than what’s advertised online or in branch. Furthermore, having a long standing relationship with a Bank also can give you more leverage over interest rate negotiations. Banks like to keep their existing preferred/premier customers happy and having a good history with your Relationship Manager can also give you more power in your discussions with them.
Final SaveMoney FD tips
- Although rates are published, always ask to speak to someone in the bank to negotiate the interest rate (the higher the amount saved, the more leverage you have to grab a better deal!)
- Spread your savings of up to RM 250,000 per FD account to keep it extra safe.
- Keep scouting around for the highest FD rate (or keep checking us out!).
- And finally, start saving NOW. It’s never too early to start saving money!
Beware of the Dog
Only enter into an FD if you don’t need the whole lump sum within the fixed term. Look out for FDs that charges a penalty or fine for withdrawing money out before the end of the period, not just waiving the interest. Some FDs are not auto renewable which means going into the branch is the only way to extend your saving period.
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Related posts:
AmBank 9-month Am50Plus Senior Fixed Deposit Promotion – earn preferential rates of 3.50% p.a (ends 30th November 2012)
RHB Step Up 15-month Fixed Deposit with CASA bundling – earn up to 3.88% p.a – effective rate of 3.2% p.a (ends 31st December 2012)
Alliance Bank – “Step Up” 6-month Fixed Deposit with Alliance Buddy/CASA Bundling – earn up 6.60% p.a – effective rate of up to 3.49% (ends 31st January 2013)
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Tagged best fd rate, fd, fd rates, fixed deposit, malaysia fd rate
