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：25 Jul 2026, 2:30 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 28 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 ›
UOB Bank
UOB Fixed Deposit Plus (Wealth/Privilege)
4.30%
p.a.
存期
6 Months
最低存款
RM100,000
有效期至
31 Jul 2026
促销
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
立即申请★★★★★★★★★★详情与评价 ›
Bank Muamalat
Bank Muamalat TIA-i Campaign 2026
4.00%
p.a.
存期
6, 12 Months
最低存款
RM5,000
有效期至
30 Sep 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
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
MBSB Bank
MBSB TIA-i / TD-i (RM100k tier)
3.83%
p.a.
存期
12 Months
最低存款
RM100,000
有效期至
31 Jul 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 Commodity Murabahah Deposit-i Promotion
3.80%
p.a.
存期
6, 7, 9, 12 Months
最低存款
RM5,000
有效期至
31 Jul 2026
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
MBSB Bank
MBSB TD-i / TIA-i Campaign
3.75%
p.a.
存期
6, 12 Months
最低存款
RM1,000
有效期至
31 Jul 2026
促销伊斯兰
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
31 Aug 2026
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
Hong Leong Bank
HLB eFD Tactical Promo (7-month)
3.70%
p.a.
存期
7 Months
最低存款
RM1,000
有效期至
30 Jul 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 ›
CIMB Bank
CIMB TIA-i July 2026 Campaign
3.70%
p.a.
存期
3, 8, 12 Months
最低存款
RM1,000
有效期至
3 Aug 2026
促销伊斯兰
立即申请★★★★★★★★★★详情与评价 ›
Maybank
Maybank eIFD-i Merdeka Campaign
3.65%
p.a.
存期
3, 6, 12 Months
最低存款
RM1,000
有效期至
31 Aug 2026
促销伊斯兰线上
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
立即申请★★★★★★★★★★详情与评价 ›
CIMB Bank
CIMB eFD-i July 2026 Campaign
3.60%
p.a.
存期
3, 7 Months
最低存款
RM1,000
有效期至
3 Aug 2026
促销线上
立即申请★★★★★★★★★★详情与评价 ›
Hong Leong Bank
HLB eFD Month-Long Promo
3.55%
p.a.
存期
6, 12 Months
最低存款
RM1,000
有效期至
30 Jul 2026
促销线上
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 ›
Bank Muamalat
Bank Muamalat Term Deposit-i
2.10%
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 ›
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 ›
| 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 — 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. 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 6 Months | 4.38% | RM10,000 | 31 Oct 2026 | 申请 |
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; placements accepted until 7 Aug 2026 or the fund-size cap, whichever comes first. 促销新资金 ★★★★★★★★★★详情与评价 › | 6 Months | 4.30% | RM100,000 | 31 Jul 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. 促销新资金 ★★★★★★★★★★详情与评价 › | 6 Months | 4.28% | RM50,000 | 30 Sep 2026 | 申请 | |
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. 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 4.00% | RM5,000 | 30 Sep 2026 | 申请 | |
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. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 6 Months | 3.85% | RM10,000 | 30 Sep 2026 | 申请 | |
MBSB TIA-i / TD-i (RM100k tier) 12M at RM100k: TIA-i pays 3.83% (NOT PIDM-protected); TD-i (PIDM-protected) pays 3.80%, or 3.83% with an extra RM10k under the SBMB 5.0 roadshow. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 12 Months | 3.83% | RM100,000 | 31 Jul 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 Commodity Murabahah Deposit-i Promotion 3.60% (6M) · 3.70% (7M) · 3.80% (9M) · 3.65% (12M) — CMD-i / e-CMD-i only, not conventional FD; may close early on hitting the campaign target. Over the counter needs new funds; online accepts FPX or an existing RHB CASA/-i transfer. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 6, 7, 9, 12 Months | 3.80% | RM5,000 | 31 Jul 2026 | 申请 | |
MBSB TD-i / TIA-i Campaign 3.73% (6M) · 3.75% (12M) on both Term Deposit-i (PIDM-protected) and Term Investment Account-i (not PIDM-protected). Higher 12M tiers need RM100k — see separate listing. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 3.75% | RM1,000 | 31 Jul 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 | 31 Aug 2026 | 申请 | |
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 促销线上 ★★★★★★★★★★详情与评价 › | 3, 12 Months | 3.70% | RM1,000 | 31 Aug 2026 | 申请 | |
HLB eFD Tactical Promo (7-month) eFixed Deposit / eFD-i via FPX on HLB Connect, 17–30 Jul only. Runs alongside (and beats) HLB's monthly eFD promo. 促销线上新资金 ★★★★★★★★★★详情与评价 › | 7 Months | 3.70% | RM1,000 | 30 Jul 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 | |
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. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 3, 8, 12 Months | 3.70% | RM1,000 | 3 Aug 2026 | 申请 | |
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. 促销伊斯兰线上 ★★★★★★★★★★详情与评价 › | 3, 6, 12 Months | 3.65% | RM1,000 | 31 Aug 2026 | 申请 | |
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. 促销新资金 ★★★★★★★★★★详情与评价 › | 12 Months | 3.60% | RM60,000 | 30 Sep 2026 | 申请 | |
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. 促销线上 ★★★★★★★★★★详情与评价 › | 3, 7 Months | 3.60% | RM1,000 | 3 Aug 2026 | 申请 | |
HLB eFD Month-Long Promo July 2026 (1–30 Jul): 3.40% (3M) · 3.55% (6M) · 3.50% (12M) — new funds only via FPX on HLB Connect. Monthly rolling promo. 促销线上新资金 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 3.55% | RM1,000 | 30 Jul 2026 | 申请 | |
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). 线上 ★★★★★★★★★★详情与评价 › | 3, 6 Months | 3.55% | RM1 | 31 Dec 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+). New Wealth/Privilege clients get 4.30% FD Plus — see separate listing. ★★★★★★★★★★详情与评价 › | 1–12 Months | 2.20% | RM500 | 31 Dec 2026 | 申请 | |
Bank Muamalat Term Deposit-i 伊斯兰 ★★★★★★★★★★详情与评价 › | 12 Months | 2.10% | RM1,000 | 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 |
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。