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：26 Oct 2026, 3:07 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 32 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
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HSBC Malaysia
HSBC Premier Time Deposit (Q4 2026)
4.28%
p.a.
存期
6 Months
最低存款
RM50,000
有效期至
31 Dec 2026
促销尊贵客户
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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
31 Dec 2026
促销尊贵客户
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CIMB Bank
CIMB TIA-i October 2026 Campaign
4.10%
p.a.
存期
4, 8, 12, 24 Months
最低存款
RM1,000
有效期至
3 Nov 2026
促销伊斯兰
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Bank Muamalat
Bank Muamalat Revive+ Campaign (TIA-i)
4.10%
p.a.
存期
12 Months
最低存款
RM10,000
有效期至
31 Dec 2026
促销伊斯兰
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OCBC Bank
OCBC Fixed Deposit-i Promo
4.10%
p.a.
存期
6, 12 Months
最低存款
RM10,000
有效期至
31 Dec 2026
促销伊斯兰
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Alliance Bank
Alliance Privilege / Personal Term Deposit-i
4.00%
p.a.
存期
6 Months
最低存款
RM10,000
有效期至
31 Mar 2027
促销尊贵客户伊斯兰
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alrajhi bank Malaysia
MY alrajhi TD-i Advantage Campaign
4.00%
p.a.
存期
1–12 Months
最低存款
RM500
有效期至
31 Dec 2026
促销伊斯兰线上
立即申请★★★★★★★★★★详情与评价 ›
Bank Muamalat
Bank Muamalat Muamalat+ Campaign (FTA-i)
4.00%
p.a.
存期
12 Months
最低存款
RM10,000
有效期至
31 Dec 2026
促销伊斯兰
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MBSB Bank
MBSB TD-i / eTD-i October Campaign
4.00%
p.a.
存期
6, 12 Months
最低存款
RM1,000
有效期至
31 Oct 2026
促销伊斯兰
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MBSB Bank
MBSB TIA-i Campaign
4.00%
p.a.
存期
6, 12 Months
最低存款
RM1,000
有效期至
31 Oct 2026
促销伊斯兰
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Maybank
Maybank e-Islamic Fixed Deposit-i Prosperity Campaign
3.93%
p.a.
存期
3, 6, 12 Months
最低存款
RM5,000
有效期至
31 Oct 2026
促销伊斯兰
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Standard Chartered
SC Fixed Deposit Promo
3.90%
p.a.
存期
12 Months
最低存款
RM50,000
有效期至
31 Dec 2026
促销尊贵客户
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CIMB Bank
CIMB eFD/-i October 2026 Campaign
3.90%
p.a.
存期
3, 7, 10, 12, 15 Months
最低存款
RM1,000
有效期至
3 Nov 2026
促销线上
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Hong Leong Bank
HLB eFD October Promo (second cycle)
3.88%
p.a.
存期
3, 6, 12, 13, 24 Months
最低存款
RM1,000
有效期至
3 Nov 2026
促销线上
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AmBank
AmBank AmOnline eFD
3.85%
p.a.
存期
3, 7, 12 Months
最低存款
RM1,000
有效期至
31 Oct 2026
促销线上
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Public Bank
PB RCB Special Fixed Deposit / Term Deposit-i
3.80%
p.a.
存期
6, 9, 12 Months
最低存款
RM10,000
有效期至
31 Dec 2026
促销尊贵客户
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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
31 Oct 2026
促销
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Public Bank
PB eFD via FPX Campaign (Q4 2026)
3.75%
p.a.
存期
6, 9, 12 Months
最低存款
RM5,000
有效期至
31 Dec 2026
促销线上
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Public Bank
PB Special Fixed Deposit Campaign (PLUS FD, Q4 2026)
3.75%
p.a.
存期
6, 9, 12 Months
最低存款
RM5,000
有效期至
31 Dec 2026
促销
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alrajhi bank Malaysia
Upfront TD-i Quick Returns
3.70%
p.a.
存期
1, 3, 6, 9, 12 Months
最低存款
RM500
有效期至
31 Dec 2026
促销伊斯兰线上
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Public Bank
PB eTerm Deposit-i via FPX (Q4 2026)
3.70%
p.a.
存期
3, 6, 12, 15, 18, 24 Months
最低存款
RM5,000
有效期至
31 Dec 2026
促销伊斯兰线上
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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
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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
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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
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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 (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. 促销尊贵客户新资金 ★★★★★★★★★★详情与评价 › | 6 Months | 4.28% | RM50,000 | 31 Dec 2026 | 申请 | |
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. 促销尊贵客户新资金 ★★★★★★★★★★详情与评价 › | 6 Months | 4.10% | RM10,000 | 31 Dec 2026 | 申请 | |
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. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 4, 8, 12, 24 Months | 4.10% | RM1,000 | 3 Nov 2026 | 申请 | |
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. 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 12 Months | 4.10% | RM10,000 | 31 Dec 2026 | 申请 | |
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). 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 4.10% | RM10,000 | 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. 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. 促销尊贵客户伊斯兰 ★★★★★★★★★★详情与评价 › | 6 Months | 4.00% | RM10,000 | 31 Mar 2027 | 申请 | |
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. 促销伊斯兰线上 ★★★★★★★★★★详情与评价 › | 1–12 Months | 4.00% | RM500 | 31 Dec 2026 | 申请 | |
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. 促销伊斯兰新资金 ★★★★★★★★★★详情与评价 › | 12 Months | 4.00% | RM10,000 | 31 Dec 2026 | 申请 | |
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. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 4.00% | RM1,000 | 31 Oct 2026 | 申请 | |
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. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 6, 12 Months | 4.00% | RM1,000 | 31 Oct 2026 | 申请 | |
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. 促销伊斯兰 ★★★★★★★★★★详情与评价 › | 3, 6, 12 Months | 3.93% | RM5,000 | 31 Oct 2026 | 申请 | |
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. 促销尊贵客户新资金 ★★★★★★★★★★详情与评价 › | 12 Months | 3.90% | RM50,000 | 31 Dec 2026 | 申请 | |
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. 促销线上 ★★★★★★★★★★详情与评价 › | 3, 7, 10, 12, 15 Months | 3.90% | RM1,000 | 3 Nov 2026 | 申请 | |
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. 促销线上新资金 ★★★★★★★★★★详情与评价 › | 3, 6, 12, 13, 24 Months | 3.88% | RM1,000 | 3 Nov 2026 | 申请 | |
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. 促销线上 ★★★★★★★★★★详情与评价 › | 3, 7, 12 Months | 3.85% | RM1,000 | 31 Oct 2026 | 申请 | |
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. 促销尊贵客户新资金 ★★★★★★★★★★详情与评价 › | 6, 9, 12 Months | 3.80% | RM10,000 | 31 Dec 2026 | 申请 | |
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. 促销 ★★★★★★★★★★详情与评价 › | 7, 9 Months | 3.80% | RM5,000 | 31 Oct 2026 | 申请 | |
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). 线上 ★★★★★★★★★★详情与评价 › | 3, 6 Months | 3.80% | RM1 | 31 Dec 2026 | 申请 | |
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. 促销线上新资金 ★★★★★★★★★★详情与评价 › | 6, 9, 12 Months | 3.75% | RM5,000 | 31 Dec 2026 | 申请 | |
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. 促销新资金 ★★★★★★★★★★详情与评价 › | 6, 9, 12 Months | 3.75% | RM5,000 | 31 Dec 2026 | 申请 | |
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. 促销伊斯兰线上 ★★★★★★★★★★详情与评价 › | 1, 3, 6, 9, 12 Months | 3.70% | RM500 | 31 Dec 2026 | 申请 | |
PB eTerm Deposit-i via FPX (Q4 2026) Q4 campaign 1 Oct–31 Dec 2026, placed online via FPX transfer from another bank (6am–11pm daily), min RM5,000 per placement, no maximum: eTD-i Plus 3.40% (3M) · 3.60% (6M) · 3.70% (12M); 3.70% (15M) · 3.00% (18M) · 3.00% (24M). Islamic (PIBB) Term Deposit-i, PIDM-protected up to RM250,000. Branch TD-i placements run a parallel campaign at the same Plus rates plus 7M 3.60% / 13M 3.65%. 促销伊斯兰线上新资金 ★★★★★★★★★★详情与评价 › | 3, 6, 12, 15, 18, 24 Months | 3.70% | RM5,000 | 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+). 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 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. 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。