CIMB Fixed Deposit Rate
eFD-i promotional rate · Min RM1,000 · Via CIMB OCTO App or CIMB Clicks · Ends 28 May 2026
CIMB is Malaysia’s second-largest bank by assets. Its eFD-i May 2026 Campaign offers competitive returns via the CIMB OCTO app or CIMB Clicks — fully online through FPX from just RM1,000.
Promotional Rates
| Tenure | Profit Rate (p.a.) | Min Deposit |
|---|---|---|
| 3 Months | 3.40% | RM1,000 |
| 6 Months | 3.60% | RM1,000 |
| 12 Months | 3.55% | RM1,000 |
Standard Board Rates
| Tenure | Interest Rate (p.a.) |
|---|---|
| 1 Month | 1.75% |
| 3 Months | 1.80% |
| 6 Months | 1.95% |
| 9 Months | 2.00% |
| 12 Months | 2.15% |
How to Place Online
Place a CIMB eFD-i via FPX
- Download the CIMB OCTO app or log in to CIMB Clicks
- Navigate to Fixed Deposit → eFD-i May 2026 Campaign
- Select your tenure and amount (min RM1,000)
- Choose FPX and your source bank
- Complete the transfer — confirmed within minutes
Tip: CIMB lets you split placements across multiple tenures in one session for FD laddering.
Key Things to Know
PIDM Protection
Protected up to RM250,000 per depositor. Conventional and Islamic FD-i are insured separately — up to RM500,000 total.
Fresh Funds Only
Promo rates require FPX transfer from another bank. Existing CIMB funds only earn the board rate.
Tax-Exempt
FD interest is fully tax-exempt for individual Malaysian tax residents — conventional or Islamic.
Early Withdrawal
Premature withdrawal forfeits all interest. CIMB does not allow partial withdrawal — you must break the full FD.
How Does CIMB Compare?
CIMB’s 3.60% for 6 months is solid for online placements. AmBank edges ahead at 3.65% for 12 months, while Maybank offers 3.55% with a broader app ecosystem. For higher rates, Standard Chartered Priority Banking and HSBC Premier reach 4.28%, but require premium tiers. Public Bank’s eFD via FPX matches CIMB at 3.60% for 12 months.