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Best 12 Month FD Rates in Malaysia 2023

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!

BSN Term Deposit Senior Citizen
Interest Rate
3.5% p.a.
Early Withdrawal
No
Interest Earned
RM1,750
BSN Term Deposit
Interest Rate
3.35% p.a.
Early Withdrawal
No
Interest Earned
RM1,675
Alliance FD Gold
Interest Rate
3.2% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,600
Bank of China Fixed Deposit Account
Interest Rate
3.15% p.a.
Early Withdrawal
No
Interest Earned
RM1,575
Bank of Nova Scotia Fixed Deposit
Interest Rate
3.1% p.a.
Early Withdrawal
No
Interest Earned
RM1,550
India International Bank Fixed Deposit
Interest Rate
3.1% p.a.
Early Withdrawal
No
Interest Earned
RM1,550

Alliance Bank Fixed Deposit
Interest Rate
3.1% p.a.
Early Withdrawal
No
Interest Earned
RM1,550
Affin Bank Fixed Deposit
Interest Rate
3.1% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,550
OCBC MYR Fixed Deposit
Interest Rate
3% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,500
HSBC Time Deposit
Interest Rate
2.9% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,450
Standard Chartered Fixed Deposit
Interest Rate
2.85% p.a.
Early Withdrawal
No
Interest Earned
RM1,425
Maybank eFixed Deposit
Interest Rate
2.8% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,400

RHB Senior Fixed Deposit
Interest Rate
2.8% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,400
Public Bank PB Golden 50 PLUS FD Account
Interest Rate
2.8% p.a.
Early Withdrawal
No
Interest Earned
RM1,400
Maybank Fixed Deposit
Interest Rate
2.8% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,400
RHB Ordinary Fixed Deposit
Interest Rate
2.8% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,400
CIMB Unfixed Deposit
Interest Rate
2.8% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,400
Public Bank eFixed Deposit
Interest Rate
2.7% p.a.
Early Withdrawal
No
Interest Earned
RM1,350

UOB Fixed Deposit
Interest Rate
2.7% p.a.
Early Withdrawal
No
Interest Earned
RM1,350
Public Bank PLUS Fixed Deposit Account
Interest Rate
2.7% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,350
AmBank Am50 Plus
Interest Rate
2.6% p.a.
Early Withdrawal
No
Interest Earned
RM1,300
AmBank Conventional Fixed Deposit
Interest Rate
2.6% p.a.
Early Withdrawal
No
Interest Earned
RM1,300
Hong Leong Priority Banking Fixed Deposit
Interest Rate
2.5% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,250
Hong Leong Senior Savers Flexi FD
Interest Rate
2.5% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,250
Hong Leong Junior Fixed Deposit
Interest Rate
2.5% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,250
Hong Leong Flexi FD
Interest Rate
2.5% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,250
Hong Leong e-Fixed Deposit
Interest Rate
2.35% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,175
Hong Leong Fixed Deposit
Interest Rate
2.35% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,175

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