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4.10% new tier

CIMB TIA-i Rate Rises to 4.10% p.a. With a New 24-Month Tier

RaymondRates.my2 min read

CIMB's Term Investment Account-i entered a new cycle on 29 September, then CIMB Islamic repriced it on 9 October. A new 24-month tier joined the board, paying the highest rate yet.

What changed on 9 October

CIMB TIA-i CAMPAIGN RATE — BEFORE vs AFTER 9 OCTOBERone shared scale — the 24-month tier is new this cycle4 MonthshigherBefore 3.60%3.70%8 MonthsBefore 3.80%3.80%12 MonthshigherBefore 3.85%4.00%24 MonthsNEWdid not exist before 9 Oct4.10%Indicative profit rates, 50:50 profit-sharing ratio. Source: CIMB Islamic's official 9 October 2026 TIA-i T&C.
One shared scale. 8 months repeats exactly from before 9 October — 4 and 12 months both moved up, and 24 months is a brand new row.
  • The 24-month tier is brand new, launched 9 October at 4.10% p.a. — the top rate on this board.
  • 12 months rose to 4.00% from 3.85% at the cycle's 29 September start.
  • 4 months climbed to 3.70%; 8 months held flat at 3.80%.

TIA-i isn't a fixed deposit

TIA-i (this campaign)eFD-i (conventional)
Headline rate4.10% p.a. (24 months)3.90% p.a. (12 & 15 months)
PIDM protectionNot protectedUp to RM250,000
Return typeIndicative, 50:50 profit sharingFixed rate
CIMB's own October 2026 campaign terms, both running to 3 November 2026.
  • TIA-i pays more on paper than CIMB's eFD-i — 4.10% vs 3.90% — but carries no PIDM protection.
  • Returns are profit-sharing and indicative, not a guaranteed deposit rate.

The official terms say it plainly: “This product is not protected by PIDM.” See what changed in CIMB's eFD-i cycle, the PIDM-protected alternative on the same board.

A person placing an online banking transaction on a laptop, with a phone beside it
eTIA-i is placed online via CIMB Clicks or the Octo app, from a CASA/-i or another bank by FPX. Branch TIA-i needs no CIMB account. · Photo: Unsplash

What to watch

  • 3 Nov 2026This cycle closes — no word yet on a successor.
  • Your maturity dateTIA-i renews once more at this campaign rate for one cycle, then any further renewal reverts to CIMB's prevailing indicative rate.
Not financial advice. This is general information based on CIMB Islamic Bank Berhad's own TIA-i/eTIA-i October 2026 Campaign terms and conditions, verified 24 October 2026. TIA-i is a Shariah investment account, not a deposit — it is not a recommendation to open any account, and Rates.my does not issue rate forecasts. Confirm the current terms with CIMB before applying; campaign rates and eligibility can change.

Sources & further reading

Ready to act on this?

See CIMB's full FD rate table

Keep reading

Fixed DepositStandard Chartered's FD Promo Gets a New 3.90% Tier, CASA Bundle Rises to 4.85%Fixed DepositMaybank's October eFD-i Campaign Pays Up to 3.93% p.a., and Now Has a Confirmed End DateFixed DepositHong Leong FD Promotion 2026: Rate Cut to 3.88% Before the October Campaign Even Ends

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This article is general information, not personalised financial advice. Rates.my is not a licensed financial adviser — always verify rates with the institution and consider your own circumstances.

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