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Best 12 Month FD Rates in Malaysia 2026

Need help from the year end sales? Why not shop around for the highest one year FD rates in the market and protect your hard earned cash from the shopping monster in you. Your savings aren't just panic room safe, they're also PIDM protected!

Wondering what the rates are for other deposits? Check out the tenures below

BSN Term Deposit Senior Citizen
Interest Rate
2.8% p.a.
Early Withdrawal
No
Interest Earned
RM1,400
Alliance FD Gold
Interest Rate
2.55% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,275
Hong Leong Priority Banking Premium Fixed Deposit
Interest Rate
2.5% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,250
UOB Fixed Deposit
Interest Rate
2.45% p.a.
Early Withdrawal
No
Interest Earned
RM1,225
BSN Term Deposit
Interest Rate
2.45% p.a.
Early Withdrawal
No
Interest Earned
RM1,225
Alliance Bank Fixed Deposit
Interest Rate
2.45% p.a.
Early Withdrawal
No
Interest Earned
RM1,225

Bank of China Fixed Deposit Account
Interest Rate
2.35% p.a.
Early Withdrawal
No
Interest Earned
RM1,175
Public Bank Golden 50 PLUS Fixed Deposit Account
Interest Rate
2.15% p.a.
Early Withdrawal
No
Interest Earned
RM1,075
Hong Leong Senior Savers Flexi FD
Interest Rate
2.15% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,075
Hong Leong Junior Fixed Deposit
Interest Rate
2.15% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,075
Hong Leong Flexi FD
Interest Rate
2.15% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,075
Maybank Fixed Deposit
Interest Rate
2.1% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,050

OCBC MYR Fixed Deposit
Interest Rate
2.1% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,050
HSBC Time Deposit
Interest Rate
2.1% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,050
AFFIN Fixed Deposit
Interest Rate
2.1% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,050
Ambank AmFDPlus
Interest Rate
2.05% p.a.
Early Withdrawal
No
Interest Earned
RM1,025
Public Bank eFixed Deposit
Interest Rate
2.05% p.a.
Early Withdrawal
No
Interest Earned
RM1,025
Hong Leong eFixed Deposit
Interest Rate
2.05% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,025

Maybank eFixed Deposit
Interest Rate
2.05% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,025
RHB Fixed Deposit for Senior Citizens
Interest Rate
2.05% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,025
Standard Chartered Fixed Deposit
Interest Rate
2.05% p.a.
Early Withdrawal
No
Interest Earned
RM1,025
RHB Ordinary Fixed Deposit
Interest Rate
2.05% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,025
Public Bank PLUS Fixed Deposit Account
Interest Rate
2.05% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,025
Hong Leong Fixed Deposit
Interest Rate
2.05% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,025
CIMB Fixed Deposit
Interest Rate
2.05% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,025
AmBank Conventional Fixed Deposit
Interest Rate
2.05% p.a.
Early Withdrawal
No
Interest Earned
RM1,025

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