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Fixed Deposit

Rates rise, again

OCBC FD Promotion Q4 2026: Rates Rise to 3.85%, Bundle Still Doesn't Pay

RaymondRates.my2 min read

OCBC just rolled its FD-i campaign into a new quarter. Our own 8 August piece covered it at 3.70%–3.75% standalone and 4.28% on the Wealth Bundle. All three rates are up for Q4 — but the bundle’s math still doesn’t favour most savers.

What changed for Q4?

OCBC FIXED DEPOSIT-I — Q3 vs Q4 2026all three rates rose for the new quarterStandalone FD-i6-month3.70% · Q33.75% · Q4Standalone FD-i12-month3.75% · Q33.85% · Q4Wealth Bundle6-month4.28% · Q34.38% · Q4
OCBC's own campaign page, re-verified live on 1 October 2026 — all three rates rose from the Q3 cycle.
  • Minimum deposit stays RM10,000, capped at RM300,000 — unchanged from last quarter.
  • Fresh funds only — new money must land within seven days of placing the FD.
  • The campaign runs 1 October to 31 December, a fresh three-month cycle.
Rows of stacked metal safe deposit boxes inside a bank vault
OCBC's standalone Fixed Deposit-i needs no wealth purchase, no Premier tier — just fresh funds. · Photo: Unsplash

Is the 4.38% Wealth Bundle worth it?

THE WEALTH BUNDLE, ON RM100,000 FOR 6 MONTHSthe charge is guaranteed; the extra interest is what it buys2% sales chargethe cost of unlocking the bundleRM2,000Extra interestthe bundle's gain over standaloneRM315
On a 6-month, RM100,000 placement: the sales charge is a guaranteed cost at purchase. The extra interest is this site's own math on OCBC's published rates.
  • The bundle needs RM100,000 in eligible unit trusts or structured investments, matched 1:1 with the FD.
  • The sales charge is guaranteed on purchase — the wealth product’s own return isn’t.

How does 3.85% compare this quarter?

  • Premier and Privilege-gated rates still pay more than any open-to-all promo this quarter.
  • Public Bank, Al Rajhi and AmBank stay open to anyone — no relationship needed.
  • OCBC’s standalone rate needs neither — just fresh funds, no tier at all.
Stacks of coins increasing in height from left to right
Every open-to-all Q4 promo on this list pays less than the Premier- or Privilege-gated ones — the trade-off is the relationship, not the paperwork. · Photo: Unsplash

See OCBC’s full FD rate table, or compare every live promo on Rates.my’s FD hub.

What to watch

  • 31 Dec 2026OCBC’s Q4 campaign closes — both the standalone FD-i and the Wealth Bundle revert to board rates.
  • Your maturity dateThe FD auto-renews at OCBC’s board rate, not the promo one — mark your calendar.
  • Early Jan 2027Expect OCBC’s next quarterly cycle — rates have risen two quarters running.
Not financial advice. This is general information based on OCBC Bank (Malaysia) Berhad’s and other banks’ own published campaign pages, fetched or re-verified on the dates cited above. It is not a recommendation to open any account or buy any wealth product, and Rates.my does not issue rate forecasts. Confirm current terms with each bank before applying — campaign rates and eligibility can change or end early.

Sources & further reading

Ready to act on this?

See OCBC's full FD rate table

Keep reading

Fixed DepositRHB Extends Its FD Promo Again, Now to 31 October 2026Fixed Deposit12 Malaysian FD Promotions Expire on the Same Day: 30 SeptemberFixed Depositalrajhi bank Is Running Two FD-i Campaigns in Malaysia This September

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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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