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.
Dikemas kini: 30 Oct 2026, 3:46 PM MYT
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4.38%
Kadar Terbaik Hari Ini
Sri Petaling Branch Opening TD-i · 6 Months · Min RM10,000
TEMPOH
DEPOSIT MIN. MAKS
Menunjukkan 32 produk
🏆
Alliance Bank
Sri Petaling Branch Opening TD-i
4.38%
p.a.
Tempoh
6 Months
Deposit Min.
RM10,000
Sah Sehingga
31 Oct 2026
PromosiIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
HSBC Malaysia
HSBC Premier Time Deposit (Q4 2026)
4.28%
p.a.
Tempoh
6 Months
Deposit Min.
RM50,000
Sah Sehingga
31 Dec 2026
PromosiTier premier
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
UOB Bank
UOB FD Plus New-To-Bank Campaign
4.10%
p.a.
Tempoh
6 Months
Deposit Min.
RM10,000
Sah Sehingga
31 Dec 2026
PromosiTier premier
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
CIMB Bank
CIMB TIA-i October 2026 Campaign
4.10%
p.a.
Tempoh
4, 8, 12, 24 Months
Deposit Min.
RM1,000
Sah Sehingga
3 Nov 2026
PromosiIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Bank Muamalat
Bank Muamalat Revive+ Campaign (TIA-i)
4.10%
p.a.
Tempoh
12 Months
Deposit Min.
RM10,000
Sah Sehingga
31 Dec 2026
PromosiIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
OCBC Bank
OCBC Fixed Deposit-i Promo
4.10%
p.a.
Tempoh
6, 12 Months
Deposit Min.
RM10,000
Sah Sehingga
31 Dec 2026
PromosiIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Alliance Bank
Alliance Privilege / Personal Term Deposit-i
4.00%
p.a.
Tempoh
6 Months
Deposit Min.
RM10,000
Sah Sehingga
31 Mar 2027
PromosiTier premierIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
alrajhi bank Malaysia
MY alrajhi TD-i Advantage Campaign
4.00%
p.a.
Tempoh
1–12 Months
Deposit Min.
RM500
Sah Sehingga
31 Dec 2026
PromosiIslamikDalam Talian
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Bank Muamalat
Bank Muamalat Muamalat+ Campaign (FTA-i)
4.00%
p.a.
Tempoh
12 Months
Deposit Min.
RM10,000
Sah Sehingga
31 Dec 2026
PromosiIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
MBSB Bank
MBSB TD-i / eTD-i October Campaign
4.00%
p.a.
Tempoh
6, 12 Months
Deposit Min.
RM1,000
Sah Sehingga
31 Oct 2026
PromosiIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
MBSB Bank
MBSB TIA-i Campaign
4.00%
p.a.
Tempoh
6, 12 Months
Deposit Min.
RM1,000
Sah Sehingga
31 Oct 2026
PromosiIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Maybank
Maybank e-Islamic Fixed Deposit-i Prosperity Campaign
3.93%
p.a.
Tempoh
3, 6, 12 Months
Deposit Min.
RM5,000
Sah Sehingga
31 Oct 2026
PromosiIslamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Public Bank
PB eTerm Deposit-i via FPX (Q4 2026)
3.90%
p.a.
Tempoh
3, 6, 12, 15, 18, 24 Months
Deposit Min.
RM5,000
Sah Sehingga
31 Dec 2026
PromosiIslamikDalam Talian
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Standard Chartered
SC Fixed Deposit Promo
3.90%
p.a.
Tempoh
12 Months
Deposit Min.
RM50,000
Sah Sehingga
31 Dec 2026
PromosiTier premier
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
CIMB Bank
CIMB eFD/-i October 2026 Campaign
3.90%
p.a.
Tempoh
3, 7, 10, 12, 15 Months
Deposit Min.
RM1,000
Sah Sehingga
3 Nov 2026
PromosiDalam Talian
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Hong Leong Bank
HLB eFD October Promo (second cycle)
3.88%
p.a.
Tempoh
3, 6, 12, 13, 24 Months
Deposit Min.
RM1,000
Sah Sehingga
3 Nov 2026
PromosiDalam Talian
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
AmBank
AmBank AmOnline eFD
3.85%
p.a.
Tempoh
3, 7, 12 Months
Deposit Min.
RM1,000
Sah Sehingga
31 Oct 2026
PromosiDalam Talian
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Public Bank
PB RCB Special Fixed Deposit / Term Deposit-i
3.80%
p.a.
Tempoh
6, 9, 12 Months
Deposit Min.
RM10,000
Sah Sehingga
31 Dec 2026
PromosiTier premier
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
RHB Bank
RHB 7 & 9 Months FD / e-FD Campaign
3.80%
p.a.
Tempoh
7, 9 Months
Deposit Min.
RM5,000
Sah Sehingga
31 Oct 2026
Promosi
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
GXBank
GXBank Bonus Pocket
3.80%
p.a.
Tempoh
3, 6 Months
Deposit Min.
RM1
Sah Sehingga
31 Dec 2026
Dalam Talian
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Public Bank
PB eFD via FPX Campaign (Q4 2026)
3.75%
p.a.
Tempoh
6, 9, 12 Months
Deposit Min.
RM5,000
Sah Sehingga
31 Dec 2026
PromosiDalam Talian
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Public Bank
PB Special Fixed Deposit Campaign (PLUS FD, Q4 2026)
3.75%
p.a.
Tempoh
6, 9, 12 Months
Deposit Min.
RM5,000
Sah Sehingga
31 Dec 2026
Promosi
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
alrajhi bank Malaysia
Upfront TD-i Quick Returns
3.70%
p.a.
Tempoh
1, 3, 6, 9, 12 Months
Deposit Min.
RM500
Sah Sehingga
31 Dec 2026
PromosiIslamikDalam Talian
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Agrobank
Agrobank Term Deposit-i (FRIA-i)
2.50%
p.a.
Tempoh
12 Months
Deposit Min.
RM500
Sah Sehingga
31 Dec 2026
Islamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
BSN
BSN Fixed Deposit
2.45%
p.a.
Tempoh
12 Months
Deposit Min.
RM500
Sah Sehingga
31 Dec 2026
★★★★★★★★★★Butiran & ulasan ›
Bank Rakyat
Bank Rakyat Term Deposit-i
2.40%
p.a.
Tempoh
6, 12 Months
Deposit Min.
RM500
Sah Sehingga
31 Dec 2026
Islamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
UOB Bank
UOB Fixed Deposit
2.20%
p.a.
Tempoh
1–12 Months
Deposit Min.
RM500
Sah Sehingga
31 Dec 2026
★★★★★★★★★★Butiran & ulasan ›
OCBC Bank
OCBC Fixed Deposit
2.10%
p.a.
Tempoh
12 Months
Deposit Min.
RM1,000
Sah Sehingga
31 Dec 2026
★★★★★★★★★★Butiran & ulasan ›
HSBC Malaysia
HSBC Time Deposit (13–60 months)
2.05%
p.a.
Tempoh
24, 36, 60 Months
Deposit Min.
RM1,000
Sah Sehingga
31 Dec 2026
★★★★★★★★★★Butiran & ulasan ›
HSBC Malaysia
HSBC Time Deposit
2.00%
p.a.
Tempoh
6, 12 Months
Deposit Min.
RM1,000
Sah Sehingga
31 Dec 2026
★★★★★★★★★★Butiran & ulasan ›
Bank Islam
Bank Islam Term Deposit-i (Tawarruq)
2.00%
p.a.
Tempoh
6, 12 Months
Deposit Min.
RM500
Sah Sehingga
31 Dec 2026
Islamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
Bank Muamalat
Bank Muamalat Fixed Term Account-i (board rate)
2.00%
p.a.
Tempoh
12 Months
Deposit Min.
RM1,000
Sah Sehingga
31 Dec 2026
Islamik
Mohon Sekarang★★★★★★★★★★Butiran & ulasan ›
| Bank | Kempen | Tempoh | Kadar setahun | Deposit Min. | Sah Sehingga | |
|---|---|---|---|---|---|---|
🏆 | Sri Petaling Branch Opening TD-i Sri Petaling branch only, over the counter — new-to-bank or a new CASA-i required. Tiered by segment: the headline 4.38% needs Alliance Privilege (RM300k AUM) or Alliance Personal (RM100k); Mass Market customers get 3.98%. Max RM500,000. Campaign runs to 31 Oct 2026 or until the branch threshold is reached, whichever comes first — the longest-running promo on our panel. PromosiIslamikDana Baru ★★★★★★★★★★Butiran & ulasan › | 6 Months | 4.38% | RM10,000 | 31 Oct 2026 | Mohon |
HSBC Premier Time Deposit (Q4 2026) New-to-HSBC Premier only — needs a RM300k Total Relationship Balance or RM1m+ home loan (Premier Elite RM3m, by invitation). Q4 2026 campaign, 1 Oct–31 Dec: 4.28% p.a. on 6 months, min RM50,000 fresh funds. Bundle rates reach 7.88%/9.88% p.a. (3M) with a qualifying wealth or insurance purchase. PromosiTier premierDana Baru ★★★★★★★★★★Butiran & ulasan › | 6 Months | 4.28% | RM50,000 | 31 Dec 2026 | Mohon | |
UOB FD Plus New-To-Bank Campaign Q4 cycle 1 Oct–31 Dec 2026 (or until the RM300m fund size is taken), placements by 7 Jan 2027: 4.10% p.a. Privilege Banking (RM10,000–RM350,000, RM500k AUM) · 4.00% p.a. Wealth Banking (RM150k AUM) and Personal Banking (both RM10,000–RM100,000), 6-month tenure only. New-to-bank customers only: no UOB deposit, investment, loan, card or bancassurance relationship in the past 12 months, open a new CASA alongside and keep RM10,000 in it until the FD matures. New funds (transferred in within 7 business days), branch placement only, internet banking excluded. Interest credited monthly to the CASA; matures into the board rate. PromosiTier premierDana Baru ★★★★★★★★★★Butiran & ulasan › | 6 Months | 4.10% | RM10,000 | 31 Dec 2026 | Mohon | |
CIMB TIA-i October 2026 Campaign October 2026 cycle (29 Sep–3 Nov), re-priced from 9 Oct: indicative profit 3.70% (4M) · 3.80% (8M) · 4.00% (12M) · 4.10% (new 24M tier), 50:50 profit sharing, min RM1,000 single investment. Placed at a branch (TIA-i) or online via CIMB Clicks / OCTO (eTIA-i); renewals revert to the prevailing indicative board rate. TIA-i is an investment account, not a deposit — returns are indicative, NOT PIDM-protected. Before 9 Oct the cycle paid 3.60 / 3.80 / 3.85. PromosiIslamik ★★★★★★★★★★Butiran & ulasan › | 4, 8, 12, 24 Months | 4.10% | RM1,000 | 3 Nov 2026 | Mohon | |
Bank Muamalat Revive+ Campaign (TIA-i) 4.10% p.a. EXPECTED profit on a 12-month Term Investment Account-i, min RM10,000 fresh funds, placed over the counter. TIA-i is an investment account, not a deposit: the return is expected, not guaranteed, and NOT PIDM-protected. Profit paid at maturity; renewal reverts to the TIA-i board rate. Campaign 1 Oct–31 Dec 2026. PromosiIslamikDana Baru ★★★★★★★★★★Butiran & ulasan › | 12 Months | 4.10% | RM10,000 | 31 Dec 2026 | Mohon | |
OCBC Fixed Deposit-i Promo Year-end campaign 19 Oct–31 Dec 2026: 4.05% (6M) · 4.10% (12M), RM10,000–RM300,000 (Premier Banking up to RM3m, Premier Private Client up to RM5m), fresh funds only, placed at a branch. Open to customers new to OCBC, new Premier Banking or Premier Private Client customers, and existing customers OCBC has invited. Replaces the 1 Oct cycle (3.75% / 3.85%). Standalone FD-i, no wealth or insurance purchase required (the 4.38% Wealth Bundle is listed separately). PromosiIslamikDana Baru ★★★★★★★★★★Butiran & ulasan › | 6, 12 Months | 4.10% | RM10,000 | 31 Dec 2026 | Mohon | |
Alliance Privilege / Personal Term Deposit-i Term Deposit-i for customers NEWLY joining Alliance Privilege or Alliance Personal — existing segment members do not qualify, which is the catch most listings omit. Q4 cycle lifts the rate to 4.00% (from 3.85%). A pure placement with no bundling required, unlike Alliance's banca-linked FD offers. Campaign 1 Oct 2026–31 Mar 2027. PromosiTier premierIslamik ★★★★★★★★★★Butiran & ulasan › | 6 Months | 4.00% | RM10,000 | 31 Mar 2027 | Mohon | |
MY alrajhi TD-i Advantage Campaign Q4 campaign, revised 9 Oct and running to 31 Dec 2026, app-only (MY alrajhi): 4.00% (12M) · 3.80% (6, 9M) · 3.75% (10, 11M) · 3.50% (3, 4, 5, 7, 8M) · 3.40% (2M) · 3.25% (1M). Min RM500 — one of the lowest entry points on this board, and now the best 12-month rate on it. Commodity Murabahah Term Deposit-i; PIDM-protected up to RM250,000. PromosiIslamikDalam Talian ★★★★★★★★★★Butiran & ulasan › | 1–12 Months | 4.00% | RM500 | 31 Dec 2026 | Mohon | |
Bank Muamalat Muamalat+ Campaign (FTA-i) 4.00% p.a. on a 12-month Fixed Term Account-i, min RM10,000 fresh funds, PLUS a further RM5,000 of fresh funds earmarked for 12 months in a Muamalat current/savings account or SURIA at that account's board rate (0% to 0.09%). On the minimum RM15,000 outlay the blended return is about 2.7%; it approaches 4% only on large placements. Both legs placed together, over the counter, same day. Profit paid at maturity; renewal reverts to the board rate. Campaign 1 Sep–31 Dec 2026. FTA-i is PIDM-protected up to RM250,000. PromosiIslamikDana Baru ★★★★★★★★★★Butiran & ulasan › | 12 Months | 4.00% | RM10,000 | 31 Dec 2026 | Mohon | |
MBSB TD-i / eTD-i October Campaign October campaign 2–31 Oct 2026: 4.00% (6M) · 3.95% (12M) on Term Deposit-i, min RM1,000, at a branch or online via M Journey. Open to new and existing customers, and rollover funds qualify on their own, so no fresh-funds rule. Renews at the board rate on maturity; early withdrawal must be in full. PIDM-protected up to RM250,000. PromosiIslamik ★★★★★★★★★★Butiran & ulasan › | 6, 12 Months | 4.00% | RM1,000 | 31 Oct 2026 | Mohon | |
MBSB TIA-i Campaign Campaign 22 Sep–31 Oct 2026: indicative 3.80% (6M) · 3.85% (12M) on Term Investment Account-i, min RM1,000, at a branch or online via M Journey after a one-off suitability form. An investment account, so the return is indicative and NOT PIDM-protected. Fresh or rollover funds. PromosiIslamik ★★★★★★★★★★Butiran & ulasan › | 6, 12 Months | 4.00% | RM1,000 | 31 Oct 2026 | Mohon | |
Maybank e-Islamic Fixed Deposit-i Prosperity Campaign October cycle, 1–31 Oct 2026 (or until the campaign target is reached, whichever is earlier): 3.93% (12M) · 3.88% (6M) · 3.58% (3M) on e-Islamic Fixed Deposit-i, organised by Maybank Islamic Berhad. Online via Maybank2u web or the MAE app from RM5,000, using FPX from another bank OR existing Maybank funds (rollovers qualify too, so no fresh-funds rule). Over the counter the minimum is RM20,000 for 12M and RM10,000 for 3M/6M. In the app, pick the "EIFD PROSPERITY 12MTHS" campaign. The rate may be revised if BNM moves the OPR mid-campaign, and does NOT auto-renew at maturity. PIDM-protected up to RM250,000. PromosiIslamik ★★★★★★★★★★Butiran & ulasan › | 3, 6, 12 Months | 3.93% | RM5,000 | 31 Oct 2026 | Mohon | |
PB eTerm Deposit-i via FPX (Q4 2026) Revised 26 Oct 2026: eTD-i Plus 3.40% (3M, unchanged) · 3.80% (6M, was 3.60%) · 3.90% (12M, was 3.70%); 3.70% (15M, unchanged) · 3.00% (18M, unchanged) · 3.00% (24M, unchanged). Placed online via FPX transfer from another bank (6am–11pm daily), min RM5,000 per placement, no maximum. Islamic (PIBB) Term Deposit-i, PIDM-protected up to RM250,000. Branch TD-i placements run a parallel campaign at the same revised Plus rates, plus a separate 7M tier now 3.85% (was 3.60%) and 13M unchanged at 3.65%. PromosiIslamikDalam TalianDana Baru ★★★★★★★★★★Butiran & ulasan › | 3, 6, 12, 15, 18, 24 Months | 3.90% | RM5,000 | 31 Dec 2026 | Mohon | |
SC Fixed Deposit Promo Three tiers on the same 12-month campaign, min RM50,000 fresh funds: 3.90% for new-to-Priority Private (max RM1,500,000), 3.75% for new-to-Priority Banking / wealth purchase or maintained AUM of RM200,000 / Birthday Month Privilege, and 3.60% for all other clients (both max RM1,000,000). Runs to 31 Dec 2026; Standard Chartered may reprice mid-campaign if the OPR moves. A separate CASA-FD/TD-i bundle pays a flat 4.85% p.a. on the FD portion, also to 31 Dec 2026 — see FD_BUNDLE_RATES. PromosiTier premierDana Baru ★★★★★★★★★★Butiran & ulasan › | 12 Months | 3.90% | RM50,000 | 31 Dec 2026 | Mohon | |
CIMB eFD/-i October 2026 Campaign October 2026 cycle (29 Sep–3 Nov), re-priced from 9 Oct: eFD 3.55% (3M) · 3.85% (7M) · 3.90% (12M) · 3.90% (15M); eFD-i Maturity Returns 3.85% (10M). Min RM1,000 single placement via CIMB Clicks, the OCTO app or FPX from another bank. Campaign rate applies for one cycle, then reverts to the board rate; early withdrawal forfeits all profit/interest. Excludes eFD-i Monthly Returns. PIDM-protected up to RM250,000. vs 1 Oct: 12M up 3.80→3.90, 15M 3.83→3.90, 3M 3.40→3.55, and the 7M eFD-i 3.70 became a 7M eFD at 3.85 plus a new 10M eFD-i at 3.85. PromosiDalam Talian ★★★★★★★★★★Butiran & ulasan › | 3, 7, 10, 12, 15 Months | 3.90% | RM1,000 | 3 Nov 2026 | Mohon | |
HLB eFD October Promo (second cycle) Second October cycle, 10 Oct–3 Nov 2026: 3.50% (3M) · 3.88% (6M) · 3.80% (12M) · 3.55% (13M) · 3.00% (24M). The 4.05% six-month rate of 1–9 Oct has been cut to 3.88%. New funds only, placed via FPX on HLB Connect from another bank, min RM1,000, max RM200,000 per FPX transfer. Rates may be revised if the OPR moves. PromosiDalam TalianDana Baru ★★★★★★★★★★Butiran & ulasan › | 3, 6, 12, 13, 24 Months | 3.88% | RM1,000 | 3 Nov 2026 | Mohon | |
AmBank AmOnline eFD October campaign 1–31 Oct 2026: PAYDAY12 (12M, 3.85%) · BEST7 (7M, 3.75%) · BEST3 (3M, 3.45%), the reward code entered when you place the eFD. Placement via the AmOnline app or website only — fresh funds by FPX from another bank, or existing AmBank / AmBank Islamic CASA funds both qualify. Min RM1,000. Rate applies for one cycle, then reverts to the board rate on renewal. The 12M code was BEST12 at 3.80% earlier in October. PromosiDalam Talian ★★★★★★★★★★Butiran & ulasan › | 3, 7, 12 Months | 3.85% | RM1,000 | 31 Oct 2026 | Mohon | |
PB RCB Special Fixed Deposit / Term Deposit-i Red Carpet Banking only (Gold RM300k net assets / Elite RM1m). Q4 cycle 1 Oct–31 Dec 2026: 6M 3.65% (Gold and Elite) · 9M 3.80% (both) · 12M 3.75% Gold / 3.80% Elite. Available at all PBB and PIBB branches including RCB Centres. PIDM-protected up to RM250,000. PromosiTier premierDana Baru ★★★★★★★★★★Butiran & ulasan › | 6, 9, 12 Months | 3.80% | RM10,000 | 31 Dec 2026 | Mohon | |
RHB 7 & 9 Months FD / e-FD Campaign 3.70% (7M) · 3.80% (9M), min RM5,000 — campaign 31 Jul–31 Oct 2026 (extended twice, from the original 31 Aug end) or until the target is reached. Conventional FD/e-FD only: the Islamic CMD-i campaigns that ran in July were not renewed. Over the counter needs new funds; the e-FD channel (RHB Online Banking, 7am–11pm daily) also accepts a transfer from an existing RHB CASA/-i. No partial withdrawal, and premature uplift pays zero interest. Rate may be revised on an OPR change. Promosi ★★★★★★★★★★Butiran & ulasan › | 7, 9 Months | 3.80% | RM5,000 | 31 Oct 2026 | Mohon | |
GXBank Bonus Pocket 3.18% (3M) · 3.80% (6M), inclusive of the 2.00% base, 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 | 3.80% | RM1 | 31 Dec 2026 | Mohon | |
PB eFD via FPX Campaign (Q4 2026) Q4 campaign 1 Oct–31 Dec 2026, placed online via FPX transfer from another bank (6am–11pm daily): 3.60% (6M) · 3.75% (9M) · 3.70% (12M). Min RM5,000 per placement, max RM2m per eFD account. Promotional rate for one cycle, then renews at the eFD board rate. Conventional PB eFD, PIDM-protected up to RM250,000. The same rates are available at branches as the PB Special Fixed Deposit (PLUS FD) campaign. PromosiDalam TalianDana Baru ★★★★★★★★★★Butiran & ulasan › | 6, 9, 12 Months | 3.75% | RM5,000 | 31 Dec 2026 | Mohon | |
PB Special Fixed Deposit Campaign (PLUS FD, Q4 2026) Q4 campaign 1 Oct–31 Dec 2026 at any PBB branch: 3.60% (6M) · 3.75% (9M) · 3.70% (12M) on PLUS Fixed Deposit. Min RM5,000 per placement, max RM10m per customer, fresh funds only. Promotional rate for one cycle, then renews at the PLUS FD board rate. PIDM-protected up to RM250,000. PromosiDana Baru ★★★★★★★★★★Butiran & ulasan › | 6, 9, 12 Months | 3.75% | RM5,000 | 31 Dec 2026 | Mohon | |
Upfront TD-i Quick Returns Campaign 1 Sep–31 Dec 2026, app-only (MY alrajhi): 3.70% (6, 9, 12M) · 3.40% (3M) · 3.15% (1M), min RM500 with no maximum. The profit is credited to your account THE DAY AFTER placement — you get the return upfront while the deposit runs, unlike every other FD here which pays at maturity. PIDM-protected up to RM250,000. PromosiIslamikDalam Talian ★★★★★★★★★★Butiran & ulasan › | 1, 3, 6, 9, 12 Months | 3.70% | RM500 | 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+). Re-confirmed unchanged against UOB's own rates feed, with effect from 20 Aug 2026. Existing customers get this board rate — the live FD Plus promo below is new-to-bank only. ★★★★★★★★★★Butiran & ulasan › | 1–12 Months | 2.20% | RM500 | 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 |
Bank Muamalat Fixed Term Account-i (board rate) Board rates, effective 16 Aug 2026: 1.80% (1–2M) · 1.95% (3–5M) · 2.00% (6–12M) · 2.05% (18–24M) · 2.10% (36–60M). Min RM5,000 (1M), RM1,000 (2M+). Protected by PIDM up to RM250,000 per depositor. The Muamalat+ Campaign pays 4.00% on a 12-month FTA-i with a CASA earmark, and Revive+ 4.10% expected on TIA-i — see the entries below. Islamik ★★★★★★★★★★Butiran & ulasan › | 12 Months | 2.00% | RM1,000 | 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.