马来西亚最佳定期存款利率（FD）
🇬🇧 Read in English →比较马来西亚各大银行的定期存款利率，按您的存期和金额找出最高的利息回报。
更新于：11 Sep 2026, 2:39 PM MYT
数据取自各银行官方利率页面 · 仅供参考，交易前请向银行确认 · 我们如何核实利率 →
4.38%
今日最佳利率
Sri Petaling Branch Opening TD-i · 6 Months · 最低 RM10,000
存期
最低存款上限
共显示 26 个产品
🏆
Alliance Bank
Sri Petaling Branch Opening TD-i
4.38%
p.a.
存期
6 Months
最低存款
RM10,000
有效期至
31 Oct 2026
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
HSBC Malaysia
HSBC Premier Time Deposit (Q3 2026)
4.28%
p.a.
存期
6 Months
最低存款
RM50,000
有效期至
30 Sep 2026
促销尊贵客户
立即申请★★★★★★★★★★详情与评价 ›
UOB Bank
UOB FD Plus New-To-Bank Campaign
4.10%
p.a.
存期
6 Months
最低存款
RM10,000
有效期至
30 Sep 2026
促销尊贵客户
立即申请★★★★★★★★★★详情与评价 ›
Bank Muamalat
Bank Muamalat TIA-i Elevate Campaign
3.88%
p.a.
存期
9, 12 Months
最低存款
RM5,000
有效期至
31 Dec 2026
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
Alliance Bank
Alliance Privilege / Personal Term Deposit-i
3.85%
p.a.
存期
6 Months
最低存款
RM10,000
有效期至
30 Sep 2026
促销尊贵客户伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
Bank Muamalat
Bank Muamalat FTA-i Elevate Campaign
3.83%
p.a.
存期
9, 12 Months
最低存款
RM5,000
有效期至
31 Dec 2026
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
Public Bank
PB RCB Special Fixed Deposit / Term Deposit-i
3.80%
p.a.
存期
3–15 Months
最低存款
RM10,000
有效期至
30 Sep 2026
促销
立即申请★★★★★★★★★★详情与评价 ›
RHB Bank
RHB 7 & 9 Months FD / e-FD Campaign
3.80%
p.a.
存期
7, 9 Months
最低存款
RM5,000
有效期至
30 Sep 2026
促销
立即申请★★★★★★★★★★详情与评价 ›
CIMB Bank
CIMB TIA-i September 2026 Campaign
3.80%
p.a.
存期
3, 8, 12 Months
最低存款
RM1,000
有效期至
30 Sep 2026
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
CIMB Bank
CIMB eFD/-i September 2026 Campaign
3.75%
p.a.
存期
3, 6, 7, 12 Months
最低存款
RM1,000
有效期至
30 Sep 2026
促销线上
立即申请★★★★★★★★★★详情与评价 ›
OCBC Bank
OCBC Fixed Deposit-i Promo
3.75%
p.a.
存期
6, 12 Months
最低存款
RM10,000
有效期至
30 Sep 2026
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
AmBank
AmBank AmOnline eFD
3.70%
p.a.
存期
3, 10, 12 Months
最低存款
RM1,000
有效期至
30 Sep 2026
促销线上
立即申请★★★★★★★★★★详情与评价 ›
Hong Leong Bank
HLB eFD/eFD-i Tactical Promo
3.70%
p.a.
存期
6, 12 Months
最低存款
RM1,000
有效期至
2 Sep 2026
促销线上
立即申请★★★★★★★★★★详情与评价 ›
Public Bank
Public Bank PB Special Fixed Deposit
3.70%
p.a.
存期
3–15 Months
最低存款
RM5,000
有效期至
30 Sep 2026
促销
立即申请★★★★★★★★★★详情与评价 ›
Hong Leong Bank
HLB eFD Month-Long Promo
3.60%
p.a.
存期
3, 6, 13, 24 Months
最低存款
RM1,000
有效期至
14 Sep 2026
促销线上
立即申请★★★★★★★★★★详情与评价 ›
Standard Chartered
SC Fixed Deposit Promo
3.60%
p.a.
存期
12 Months
最低存款
RM60,000
有效期至
30 Sep 2026
促销尊贵客户
立即申请★★★★★★★★★★详情与评价 ›
Agrobank
Agrobank Term Deposit-i (FRIA-i)
2.50%
p.a.
存期
12 Months
最低存款
RM500
有效期至
31 Dec 2026
伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
Bank Rakyat
Bank Rakyat Term Deposit-i
2.40%
p.a.
存期
6, 12 Months
最低存款
RM500
有效期至
31 Dec 2026
伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
HSBC Malaysia
HSBC Time Deposit (13–60 months)
2.05%
p.a.
存期
24, 36, 60 Months
最低存款
RM1,000
有效期至
31 Dec 2026
★★★★★★★★★★详情与评价 ›
HSBC Malaysia
HSBC Time Deposit
2.00%
p.a.
存期
6, 12 Months
最低存款
RM1,000
有效期至
31 Dec 2026
★★★★★★★★★★详情与评价 ›
Bank Islam
Bank Islam Term Deposit-i (Tawarruq)
2.00%
p.a.
存期
6, 12 Months
最低存款
RM500
有效期至
31 Dec 2026
伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
Bank Muamalat
Bank Muamalat Fixed Term Account-i (board rate)
2.00%
p.a.
存期
12 Months
最低存款
RM1,000
有效期至
31 Dec 2026
伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
| 银行 | 促销活动 | 存期 | 年利率 | 最低存款 | 有效期至 | |
|---|---|---|---|---|---|---|
🏆 | 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. 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 6 Months | 4.38% | RM10,000 | 31 Oct 2026 | 申请 |
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. 促销尊贵客户新资金 ★★★★★★★★★★详情与评价 › | 6 Months | 4.28% | RM50,000 | 30 Sep 2026 | 申请 | |
UOB FD Plus New-To-Bank Campaign 4.10% p.a. Privilege Banking (RM10,000–RM350,000) · 4.00% p.a. Wealth Banking and Personal Banking (both RM10,000–RM100,000) — all 6-month tenure only. New-to-bank customers only (no UOB deposit/investment/loan/card/insurance relationship in the past 12 months); must open a new CASA and keep RM10,000 in it throughout. New Funds only, branch placement only (no internet banking). Runs 1 Aug–30 Sep 2026 or RM300m fund size limit, whichever first; placements accepted till 7 Oct 2026. 促销尊贵客户新资金 ★★★★★★★★★★详情与评价 › | 6 Months | 4.10% | RM10,000 | 30 Sep 2026 | 申请 | |
Bank Muamalat TIA-i Elevate Campaign 9M 3.80% · 12M 3.75% (RM5,000 min) · 3.85% for an Affluent RM50,000 single placement · 3.88% for an Affluent RM300,000 single placement. TIA-i is an investment account, not a deposit: profit is expected, not guaranteed, and NOT PIDM-protected. Fresh funds only, OTC branch placement only. Renewal reverts to the board rate. Campaign 1 Aug–31 Dec 2026. 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 9, 12 Months | 3.88% | RM5,000 | 31 Dec 2026 | 申请 | |
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. A pure placement with no bundling required, unlike Alliance's banca-linked FD offers (see the bundled-rate table on the Alliance page). Campaign 1 Jul–30 Sep 2026. 促销尊贵客户伊斯兰 ★★★★★★★★★★详情与评价 › | 6 Months | 3.85% | RM10,000 | 30 Sep 2026 | 申请 | |
Bank Muamalat FTA-i Elevate Campaign 9M 3.75% · 12M 3.70% (RM5,000 min) · 3.80% for an Affluent RM50,000 single placement · 3.83% for an Affluent RM300,000 single placement. Fresh funds only, OTC branch placement only. PIDM-protected up to RM250,000 per depositor. Renewal reverts to the board rate. Campaign 1 Aug–31 Dec 2026. 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 9, 12 Months | 3.83% | RM5,000 | 31 Dec 2026 | 申请 | |
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. 促销新资金 ★★★★★★★★★★详情与评价 › | 3–15 Months | 3.80% | RM10,000 | 30 Sep 2026 | 申请 | |
RHB 7 & 9 Months FD / e-FD Campaign 3.70% (7M) · 3.80% (9M), min RM5,000 — campaign 31 Jul–30 Sep 2026 (extended 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. 促销 ★★★★★★★★★★详情与评价 › | 7, 9 Months | 3.80% | RM5,000 | 30 Sep 2026 | 申请 | |
CIMB TIA-i September 2026 Campaign September 2026 cycle (28 Aug–30 Sep): indicative profit up to 3.80% p.a. across 3, 8 and 12-month tenures (per-tenure split pending the September T&C), 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. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 3, 8, 12 Months | 3.80% | RM1,000 | 30 Sep 2026 | 申请 | |
CIMB eFD/-i September 2026 Campaign September 2026 cycle (28 Aug–30 Sep): eFD 3.40% (3M) · 3.60% (6M) · 3.75% (12M); eFD-i Maturity Returns 3.60% (7M). Min RM1,000 single placement via CIMB Clicks, the OCTO app or FPX from another bank, linked to a CIMB CASA/-i or DURIAN-i. 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 August: the 12M tier rose from 3.65%. 促销线上 ★★★★★★★★★★详情与评价 › | 3, 6, 7, 12 Months | 3.75% | RM1,000 | 30 Sep 2026 | 申请 | |
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. 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 3.75% | RM10,000 | 30 Sep 2026 | 申请 | |
AmBank AmOnline eFD September campaign 1–30 Sep 2026: MERDEKA12 (12M, 3.70%) · MERDEKA10 (10M, 3.70%) · MERDEKA3 (3M, 3.45%), 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. vs August: the 12M tier eased from 3.75%. 促销线上 ★★★★★★★★★★详情与评价 › | 3, 10, 12 Months | 3.70% | RM1,000 | 30 Sep 2026 | 申请 | |
HLB eFD/eFD-i Tactical Promo Short Merdeka-window promo (20 Aug–2 Sep 2026): 3.70% (6M) · 3.65% (12M) — beats HLB's own month-long eFD promo on both tenures. New funds only via FPX on HLB Connect from another bank, min RM1,000, max RM200,000 per FPX transaction. The Islamic eFD-i is included at identical rates and terms. Rates may be revised if the OPR moves. 促销线上新资金 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 3.70% | RM1,000 | 2 Sep 2026 | 申请 | |
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. 促销新资金 ★★★★★★★★★★详情与评价 › | 3–15 Months | 3.70% | RM5,000 | 30 Sep 2026 | 申请 | |
GXBank Bonus Pocket 3.18% (3M) · 3.70% (6M), app-only. Early withdrawal forfeits the bonus interest (2.00% base kept). Max RM12,500 per pocket, 4 pockets (RM50k total). 线上 ★★★★★★★★★★详情与评价 › | 3, 6 Months | 3.70% | RM1 | 31 Dec 2026 | 申请 | |
HLB eFD Month-Long Promo Extended cycle (31 Jul–14 Sep 2026, originally ending 19 Aug): 3.40% (3M) · 3.60% (6M) · 3.55% (13M) · 3.00% (24M). New funds only, placed via FPX on HLB Connect from another bank — max RM200,000 per FPX transaction, min RM1,000 per tenure. HLB reprices this promo roughly monthly and may revise rates if the OPR moves. For 6M money, HLB's own tactical promo (to 2 Sep) pays 3.70% — see that entry. 促销线上新资金 ★★★★★★★★★★详情与评价 › | 3, 6, 13, 24 Months | 3.60% | RM1,000 | 14 Sep 2026 | 申请 | |
SC Fixed Deposit Promo Two tiers on the same 12-month campaign, min RM60,000 fresh funds, max RM1m per client: 3.60% for new-to-Priority Banking or maintaining RM200,000 Wealth AUM, and 3.75% for upgrading to Priority Private or buying RM200,000 of wealth products. Campaign 1 Jul–30 Sep 2026. Standard Chartered may reprice mid-campaign if the OPR moves, and can end it early once the cap is hit. A separate CASA-FD bundle reaches 4.80% but requires an 80:20 split with a current account — see the bundled-rate table on the Standard Chartered page. 促销尊贵客户新资金 ★★★★★★★★★★详情与评价 › | 12 Months | 3.60% | RM60,000 | 30 Sep 2026 | 申请 | |
Agrobank Term Deposit-i (FRIA-i) 伊斯兰 ★★★★★★★★★★详情与评价 › | 12 Months | 2.50% | RM500 | 31 Dec 2026 | 申请 | |
BSN Fixed Deposit Lowest minimum deposit — RM500 only ★★★★★★★★★★详情与评价 › | 12 Months | 2.45% | RM500 | 31 Dec 2026 | 申请 | |
| 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). 伊斯兰 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 2.40% | RM500 | 31 Dec 2026 | 申请 |
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. ★★★★★★★★★★详情与评价 › | 1–12 Months | 2.20% | RM500 | 31 Dec 2026 | 申请 | |
OCBC Fixed Deposit Standard retail rate — OCBC focuses on Premier Banking clients for higher rates ★★★★★★★★★★详情与评价 › | 12 Months | 2.10% | RM1,000 | 31 Dec 2026 | 申请 | |
HSBC Time Deposit (13–60 months) Standard board rate (non-promotional) for 13–60 month tenures. Minimum RM1,000. ★★★★★★★★★★详情与评价 › | 24, 36, 60 Months | 2.05% | RM1,000 | 31 Dec 2026 | 申请 | |
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. ★★★★★★★★★★详情与评价 › | 6, 12 Months | 2.00% | RM1,000 | 31 Dec 2026 | 申请 | |
| Bank Islam Term Deposit-i (Tawarruq) Board rates: 1.80% (1M) · 1.95% (3M) · 2.00% (6–12M). Min RM1,000 (1M), RM500 (2M+). 伊斯兰 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 2.00% | RM500 | 31 Dec 2026 | 申请 |
Bank Muamalat Fixed Term Account-i (board rate) Board rates, effective 28 Jul 2025: 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 Elevate Campaign (1 Aug–31 Dec 2026) pays up to 3.83% on a fresh-funds placement — see the bank-muamalat-fta-i-elevate entry below. 伊斯兰 ★★★★★★★★★★详情与评价 › | 12 Months | 2.00% | RM1,000 | 31 Dec 2026 | 申请 |
马来西亚定期存款利率 2026 — 完整指南
什么是定期存款？
定期存款（Fixed Deposit，简称FD）是把一笔钱存入银行并锁定一段固定期限， 换取保证的利率。在马来西亚，存期从 1 个月到 60 个月不等。
伊斯兰FD vs 传统FD
伊斯兰定存（普通投资账户 / GIA-i）遵循伊斯兰教义，采用 Mudharabah 或 Wakalah 合约。其回报率与传统FD利率相当， 且不限穆斯林，任何人都可以开设。
促销利率 vs 标准利率
银行会不定期推出促销（尤其在农历新年、开斋节、国庆日前后），利率比标准挂牌 高 0.5–1%。这些促销通常只限线上申请，并要求新资金。
我的FD安全吗？
安全。马来西亚所有持牌银行都受 PIDM（马来西亚存款保险机构）保障，每位存户在每家银行 的保障额高达 RM250,000。
想要随存随取的灵活性？比较一下 电子钱包和数字银行利率 （TNG GO+、GXBank、KDI Save）— 每日派息，随时可取。
定期存款 — 常见问题
今日最高的FD利率显示在上方绿色的"今日最佳利率"横幅和比较表最顶端 — 每日更新。最高的利率通常是促销活动（多数只限线上申请），来自 Public Bank、CIMB、Maybank、HSBC 或 Alliance 等银行，并可能要求新资金（fresh funds）和指定存期。
银行全年都会推出FD促销活动 — 尤其在农历新年、开斋节和国庆日前后 — 利率通常比标准挂牌利率高 0.3%–1%。使用上方的筛选器按银行、存期和最低存款额查看当前促销；促销利率经常变动，锁定之前请先确认。
FD利息 = 本金 × 年利率 ×（存期月数 ÷ 12）。例如 RM10,000 以 3.80% 年利率存 12 个月，利息约 RM380；存 6 个月约 RM190。利息一般在到期时支付，促销利率只适用于促销存期。
各银行和各促销不同 — 标准定期存款通常从 RM1,000 起，而促销利率可能要求 RM5,000–RM10,000 或以上的新资金。每个产品的最低存款额都列在上方的比较表中。
可以，但提前提取通常意味着损失该存期的部分或全部利息 — 许多银行在FD未到期就提取时不支付利息，部分银行允许部分提取。您的本金始终会全额退还。投入前请先查看银行条款。
跨银行比较而不是只看自己的往来银行，留意促销和线上专属活动，并准备好转入新资金，因为促销通常要求新钱。把资金分散到不同存期或不同银行也有帮助。上方的比较表整理了当前所有利率，方便您按金额和存期找到最优选择。
安全。马来西亚所有持牌银行都受 PIDM（马来西亚存款保险机构）保障，每位存户在每家银行的存款保障额高达 RM250,000。