Kadar Deposit Tetap (FD) Terbaik Malaysia
🇬🇧 Read in English →Bandingkan kadar FD dari bank-bank utama di Malaysia dan cari kadar faedah tertinggi untuk tempoh dan jumlah anda.
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| Bank | Kempen | Tempoh | Kadar setahun | Deposit Min. | Sah Sehingga | |
|---|---|---|---|---|---|---|
🏆 | Sri Petaling Branch Opening TD-i Sri Petaling branch only — new-to-bank or new CASA-i required. The 4.38% tier needs Privilege Banking (RM300k AUM) or Alliance Personal (RM100k); Mass Market gets 3.98%. Max RM500,000. PromosiIslamikDana Baru ★★★★★★★★★★Butiran & ulasan › | 6 Months | 4.38% | RM10,000 | 31 Oct 2026 | Mohon |
UOB Fixed Deposit Plus (Wealth/Privilege) New-to-bank UOB Wealth/Privilege Banking clients only — needs qualifying AUM (RM150k Wealth / RM500k Privilege) plus a RM10,000 CASA balance. Max RM500,000. Sign-up window closed 31 Jul 2026; placements accepted until 7 Aug 2026 or the fund-size cap, whichever comes first. No August renewal announced yet. PromosiDana Baru ★★★★★★★★★★Butiran & ulasan › | 6 Months | 4.30% | RM100,000 | 7 Aug 2026 | Mohon | |
HSBC Premier Time Deposit (Q3 2026) New-to-HSBC Premier only — needs a RM300k Total Relationship Balance or RM1m+ home loan (Premier Elite RM3m, by invitation). Bundle rates reach 7.88%/9.88% p.a. (3M) with a qualifying wealth or insurance purchase. PromosiDana Baru ★★★★★★★★★★Butiran & ulasan › | 6 Months | 4.28% | RM50,000 | 30 Sep 2026 | Mohon | |
Bangsar Branch FD Campaign Bangsar branch only, over the counter — New-to-Bank or New-to-CASA individuals. Fresh funds (transferred in ≤7 days before placement). Max RM500,000 per customer; campaign 8 Jun–31 Aug 2026 or until the RM50m pool is taken up. PromosiDana Baru ★★★★★★★★★★Butiran & ulasan › | 6 Months | 4.08% | RM10,000 | 31 Aug 2026 | Mohon | |
Bank Muamalat TIA-i Campaign 2026 Up to 4.00% p.a. expected profit — the 6M/12M tier split isn't published, so treat 4.00% as the ceiling. TIA-i is an investment account, not a deposit: returns are indicative and NOT PIDM-protected. PromosiIslamikDana Baru ★★★★★★★★★★Butiran & ulasan › | 6, 12 Months | 4.00% | RM5,000 | 30 Sep 2026 | Mohon | |
Alliance Privilege / Personal Term Deposit-i Only for customers NEWLY joining Alliance Privilege or Alliance Personal — existing segment members don't qualify. Pure placement, no bundling required. PromosiIslamik ★★★★★★★★★★Butiran & ulasan › | 6 Months | 3.85% | RM10,000 | 30 Sep 2026 | Mohon | |
PB RCB Special Fixed Deposit / Term Deposit-i Red Carpet Banking only (Gold RM300k net assets / Elite RM1m). Gold/Elite: 3.45% (3M) · 3.50% (6M) · 3.55% (9M) · 3.70%/3.75% (12M) · 3.75%/3.80% (15M) — beats the public PB Special FD at 12M & 15M. No partial withdrawal. PromosiDana Baru ★★★★★★★★★★Butiran & ulasan › | 3–15 Months | 3.80% | RM10,000 | 30 Sep 2026 | Mohon | |
OCBC Fixed Deposit-i Promo 3.70% (6M) · 3.75% (12M), max RM300,000. Balances must grow from the 31 May 2026 level and stay grown. Standalone FD-i — no wealth or insurance purchase required. PromosiIslamikDana Baru ★★★★★★★★★★Butiran & ulasan › | 6, 12 Months | 3.75% | RM10,000 | 31 Aug 2026 | Mohon | |
AmBank AmOnline eFD Campaign 10 Jul–31 Aug 2026: reward code HOT12 (12M, 3.70%) or HOT3 (3M, 3.45%) on AmOnline · FPX or existing AmBank/AmBank Islamic funds PromosiDalam Talian ★★★★★★★★★★Butiran & ulasan › | 3, 12 Months | 3.70% | RM1,000 | 31 Aug 2026 | Mohon | |
Public Bank PB Special Fixed Deposit 3.40% (3M) · 3.45% (6M) · 3.50% (9M) · 3.65% (12M) · 3.70% (15M) on PLUS Fixed Deposit, over the counter at any branch. Max RM10m. PromosiDana Baru ★★★★★★★★★★Butiran & ulasan › | 3–15 Months | 3.70% | RM5,000 | 30 Sep 2026 | Mohon | |
CIMB TIA-i July 2026 Campaign Indicative profit rates: 3.50% (3M) · 3.65% (8M) · 3.70% (12M). TIA-i is an investment account, not a deposit — returns indicative, NOT PIDM-protected. PromosiIslamik ★★★★★★★★★★Butiran & ulasan › | 3, 8, 12 Months | 3.70% | RM1,000 | 3 Aug 2026 | Mohon | |
Maybank eIFD-i Merdeka Campaign 3.40% (3M) · 3.60% (6M) · 3.65% (12M) — e-Islamic FD-i via Maybank2u web, FPX from another bank. May end early on FPX limits; rates subject to OPR changes. PromosiIslamikDalam Talian ★★★★★★★★★★Butiran & ulasan › | 3, 6, 12 Months | 3.65% | RM1,000 | 31 Aug 2026 | Mohon | |
HLB eFD Month-Long Promo August 2026 cycle (31 Jul–19 Aug): 3.40% (3M) · 3.60% (6M) · 3.55% (13M) · 3.00% (24M) — new funds only via FPX on HLB Connect, max RM200k per FPX transaction. vs July: 6M up from 3.55%, 12M tier replaced by 13M. Monthly rolling promo; rates may change on OPR moves. PromosiDalam TalianDana Baru ★★★★★★★★★★Butiran & ulasan › | 3, 6, 13, 24 Months | 3.60% | RM1,000 | 19 Aug 2026 | Mohon | |
SC Fixed Deposit Promo Priority Banking clients (RM350k AUM) maintaining RM200k Wealth AUM; up to 3.75% for Priority Private (RM3m) or with a RM200k wealth purchase. Max RM1m per placement. Separate CASA-FD/TD-i bundle pays up to 4.80% (12M, min RM100k fresh funds, 80:20 FD-to-CASA split) to 30 Sep. PromosiDana Baru ★★★★★★★★★★Butiran & ulasan › | 12 Months | 3.60% | RM60,000 | 30 Sep 2026 | Mohon | |
CIMB eFD-i July 2026 Campaign July 2026 cycle (1 Jul–3 Aug): 3.40% (3M) · 3.60% (7M) — placed via CIMB OCTO app, CIMB Clicks or FPX. Rate reverts to board rate after one cycle. PromosiDalam Talian ★★★★★★★★★★Butiran & ulasan › | 3, 7 Months | 3.60% | RM1,000 | 3 Aug 2026 | Mohon | |
GXBank Bonus Pocket 3.18% (3M) · 3.55% (6M), app-only. Early withdrawal forfeits the bonus interest (2.00% base kept). Max RM12,500 per pocket, 4 pockets (RM50k total). Dalam Talian ★★★★★★★★★★Butiran & ulasan › | 3, 6 Months | 3.55% | RM1 | 31 Dec 2026 | Mohon | |
Agrobank Term Deposit-i (FRIA-i) Islamik ★★★★★★★★★★Butiran & ulasan › | 12 Months | 2.50% | RM500 | 31 Dec 2026 | Mohon | |
BSN Fixed Deposit Lowest minimum deposit — RM500 only ★★★★★★★★★★Butiran & ulasan › | 12 Months | 2.45% | RM500 | 31 Dec 2026 | Mohon | |
| Bank Rakyat Term Deposit-i Standard board rate: 6-month 2.25% p.a. · 12-month 2.40% p.a. Minimum RM500 (RM5,000 for the 1-month tenure). Islamik ★★★★★★★★★★Butiran & ulasan › | 6, 12 Months | 2.40% | RM500 | 31 Dec 2026 | Mohon |
UOB Fixed Deposit Board rates: 2.05% (1M) · 2.10% (2M) · 2.15% (3–5M) · 2.20% (6–12M); FD-i pays the same. Min RM5,000 (1M), RM500 (2M+). New Wealth/Privilege clients get 4.30% FD Plus — see separate listing. ★★★★★★★★★★Butiran & ulasan › | 1–12 Months | 2.20% | RM500 | 31 Dec 2026 | Mohon | |
Bank Muamalat Term Deposit-i Islamik ★★★★★★★★★★Butiran & ulasan › | 12 Months | 2.10% | RM1,000 | 31 Dec 2026 | Mohon | |
OCBC Fixed Deposit Standard retail rate — OCBC focuses on Premier Banking clients for higher rates ★★★★★★★★★★Butiran & ulasan › | 12 Months | 2.10% | RM1,000 | 31 Dec 2026 | Mohon | |
HSBC Time Deposit (13–60 months) Standard board rate (non-promotional) for 13–60 month tenures. Minimum RM1,000. ★★★★★★★★★★Butiran & ulasan › | 24, 36, 60 Months | 2.05% | RM1,000 | 31 Dec 2026 | Mohon | |
HSBC Time Deposit Board rates: 1.85% (1M) · 1.90% (2M) · 1.95% (3–5M) · 2.00% (6–12M). Min RM5,000 (1M), RM1,000 (2M+). No fresh-funds requirement. ★★★★★★★★★★Butiran & ulasan › | 6, 12 Months | 2.00% | RM1,000 | 31 Dec 2026 | Mohon | |
| Bank Islam Term Deposit-i (Tawarruq) Board rates: 1.80% (1M) · 1.95% (3M) · 2.00% (6–12M). Min RM1,000 (1M), RM500 (2M+). Islamik ★★★★★★★★★★Butiran & ulasan › | 6, 12 Months | 2.00% | RM500 | 31 Dec 2026 | Mohon |
Kadar Deposit Tetap Malaysia 2026 — Panduan Lengkap
Apakah Deposit Tetap?
Deposit tetap (FD) ialah apabila anda mengunci sejumlah wang dengan bank untuk tempoh tetap pada kadar faedah yang dijamin. Di Malaysia, tempoh berkisar antara 1 bulan hingga 60 bulan.
FD Islamik vs Konvensional
FD Islamik (Akaun Pelaburan Am / GIA-i) beroperasi di bawah hukum Syariah menggunakan konsep Mudharabah atau Wakalah. Kadar keuntungan setara dengan kadar FD konvensional.
Kadar Promosi vs Standard
Bank menjalankan promosi (terutamanya sekitar Raya, Tahun Baru Cina, Merdeka) dengan kadar 0.5–1% lebih tinggi daripada standard. Ini selalunya dalam talian sahaja dan memerlukan dana baru.
Adakah FD saya selamat?
Ya. Semua bank berlesen di Malaysia dilindungi oleh PIDM (Perbadanan Insurans Deposit Malaysia) yang melindungi deposit sehingga RM250,000 bagi setiap pendeposit, setiap bank.
Mahukan fleksibiliti tanpa kunci masuk? Bandingkan kadar e-dompet & bank digital (TNG GO+, GXBank, KDI Save) — pulangan harian dan boleh keluar bila-bila masa.
Deposit Tetap — Soalan Lazim
Kadar FD tertinggi hari ini ditunjukkan dalam sepanduk hijau "Kadar Terbaik Hari Ini" dan di bahagian atas perbandingan di atas — dikemas kini setiap hari. Kadar tertinggi biasanya kempen promosi (selalunya dalam talian sahaja) dari bank seperti Public Bank, CIMB, Maybank, HSBC atau Alliance, dan mungkin memerlukan dana baru serta tempoh tertentu.
Bank menjalankan kempen FD promosi sepanjang tahun — terutamanya sekitar Tahun Baru Cina, Hari Raya dan Merdeka — dengan kadar biasanya 0.3%–1% lebih tinggi daripada kadar papan standard. Guna penapis di atas untuk melihat promosi semasa mengikut bank, tempoh dan deposit minimum; kadar promosi kerap berubah, jadi semak sebelum anda kunci masuk.
Faedah FD = prinsipal × kadar setahun × (tempoh dalam bulan ÷ 12). Contohnya, RM10,000 pada 3.80% setahun untuk 12 bulan menghasilkan kira-kira RM380; untuk 6 bulan lebih kurang RM190. Faedah biasanya dibayar pada tarikh matang, dan kadar promosi hanya terpakai untuk tempoh promosinya.
Ia berbeza mengikut bank dan kempen — deposit tetap standard selalunya bermula dari RM1,000, manakala kadar promosi mungkin memerlukan RM5,000–RM10,000 atau lebih dalam dana baru. Minimum bagi setiap tawaran disenaraikan dalam perbandingan di atas.
Boleh, tetapi pengeluaran awal biasanya bermakna anda hilang sebahagian atau semua faedah bagi tempoh itu — banyak bank tidak membayar faedah jika anda pecahkan FD sebelum tamat tempoh, walaupun sesetengahnya membenarkan pengeluaran separa. Prinsipal anda sentiasa dikembalikan. Semak terma bank sebelum melabur.
Bandingkan merentas bank dan bukan hanya bank anda sendiri, perhatikan kempen promosi dan dalam talian, dan bersedia memindahkan dana baru kerana promosi selalunya memerlukan wang baru. Membahagikan antara tempoh atau bank juga membantu. Perbandingan di atas menyusun setiap kadar semasa supaya anda boleh cari yang terbaik untuk jumlah dan tempoh anda.
Ya. Semua bank berlesen di Malaysia dilindungi oleh PIDM (Perbadanan Insurans Deposit Malaysia) yang melindungi deposit sehingga RM250,000 bagi setiap pendeposit, setiap bank.