Welcome to rates.my . Its the trusted source for the best FD rates in Malaysia. We update our dashboard daily to help you compare the Highest Fixed Deposit (FD) promotional rates for 2026. Use our yield calculator below to project your returns, and read community reviews before placing your funds. Looking for the best loan rates? Compare car loans, home loans, personal loans and SME loans — all in one place.
Best FD Rates Malaysia (May 2026 Promos & Live Data)
| Bank | Rates | Tenure | Min Deposit (MYR) | Campaign (Apply Now) | Campaign Period | Requirements |
|---|---|---|---|---|---|---|
 HSBC Premier | 7.88% | 3 Months | 20000 | HSBC PREMIER | Until 30th June 2026 | 👑 Premier Banking + Wealth Bundling Required |
 UOB Bank | 4.30% | 6 Months | 100000 | UOB FD PLUS 4.3% | Until 30th June 2026 | 🏦 Wealth / Privilege Banking Required (UOB) |
 Standard Chartered Priority Banking | 4.28% | 6 Months | 100000 | Wealth $aver- I account | Until 30th June 2026 | 🏦 Priority Banking Required |
 OCBC Bank | 4.28% | 6 Months | 100000 | OCBC DEPOSIT DRIVE | Until 31st May 2026 | 💼 Wealth Bundle Required; Min RM100,000 in Unit Trust / Structured Products; Fresh Funds |
 Alliance Bank | 4.08% | 6 Months | 10000 | Bukit Mertajam FD Promo | Until 30th Sept 2026 | Branch Visit + Fresh Funds Required |
 MBSB Bank | 3.75% | 12 Months | 1000 | MBSB TERM DEPOSIT-i | Until 31st May 2026 | None – Open to All |
 Ambank | 3.68% | 12 Months | 1000 | Ambank Raya E-FD | Until 31st May 2026 | None – Open to All |
 Affin Bank | 3.68% | 11 Months | 30000 | Affin FD Smart Pricing | Until 7th May 2026 | AFFIN AVANCE / INVIKTA / DIVENTIUM Required; New Funds; OTC Only |
| Standard Chartered | 3.60% | 12 Months | 50000 | STANDARD CHARTERED E-FD | Until 30th June 2026 | Fresh Funds Required |
 CIMB | 3.60 % | 6 Months | 1000 | CIMB Raya E-FD | Until 28th May 2026 | None – Open to All |
 Maybank | 3.55% | 6,12 Months | 1000 | Maybank E-Islamic FD | Until 30th June 2026 | None – Open to All |
 Public Bank | 3.55% | 6 Months | 5000 | Public Bank E-FD | Until 30th June 2026 | None – Open to All |
| Bank Muamalat | 2.10% | 12 Months | 1000 | MUAMALAT FIXED TERM ACCOUNT-I | N/A | None – Open to All |
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Bank-Specific FD Guides
For a deeper look at individual bank offerings including full tenure breakdowns, board rates, how to apply online, and key details, see our dedicated guides:
Disclaimer: While we strive to provide the most accurate data, bank rates change frequently. This information is for educational purposes only. Always verify the latest Terms and Conditions on the official bank website before making a placement.
Disclaimer: Rates are subject to change by the respective banks without prior notice. While we strive to keep this data 100% accurate, please verify the final terms with the bank before placement. All deposits are protected by PIDM up to RM250,000 per depositor per member bank. Last Verified: April 1st, 2026.
Month end soon. standard chartered dividend lets go!
UOB straightforwad good rates for fixed depsit
Anyone else comparing KWSP Simpanan Shariah vs Konvensional? Both 6.15% for 2025 but Shariah compliant for halal investing. Can switch via i-Akaun anytime. EPF still unbeatabCareful with REITs ah, yield tinggi tapi unit price sensitive to BNM OPR. Kalau OPR naik, REIT prices usually tekanan. Pavilion REIT ~5.8% looks tempting but check occupancy and debt ratio first before masuk.le for long-term compounding lah.
Emas +60% in 2025 gila babi sudah! Tapi jangan chase high lah, buat DCA kat Public Gold atau HelloGold sikit-sikit. Diversify, jangan letak semua dalam satu basket.
FD 3.5% zaman sekarang kalah inflation bro, real return negatif. Park small amount for emergency je la, jangan all-in. Promo rates Hong Leong/Alliance kadang lagi tinggi, shop around dulu.
ASB 5.75% mcm ok sahaja, dulu zaman 8% best gila. But still liquid and capital guaranteed, park emergency fund kat sini memang syok. Non-bumi macam saya tengok jer la haha
Great rates website, 5 stars!
good rates here