Credit cards: Compare the best credit cards
Sign up offers: Compare credit card deals and sign up gifts when you apply for any RinggitPlus promotion
No annual fee credit cards: Why pay more than you have to?
Cashback credit cards: Cashback credit cards convert money you spend into rebates
Rewards credit cards: Unlimited cash rebates every day
Petrol credit cards: Petrol credit cards offer cashback, reward points or discounts from petrol stations that you use regularly
Islamic credit cards: Choose from a range of Shariah compliant Riba-free cards that respect your faith, values, and family traditions
Travel credit cards: Airmiles and overseas travel deals

Personal loans: Borrow at the lowest interest rate
Home loans: Be sure you're getting the best deal
Car loans: New or used we got you covered
Easy Payment Plans: Buy with easy monthly instalments
Business loans: Fund your next business venture

Car Insurance: Easy and stress free motor claims
Home Insurance: Secure your property and belongings
Term Life Insurance: Protection when the unexpected happens
Whole Life Insurance: Life protection and savings for you and your family
Medical Cards: Worry less on your next hospital visit
Critical Illness: Financial support for medical treatment
Travel Insurance: Get covered wherever you go
Personal Accident Insurance: Stay protected from harm's way

Fixed Deposits: Invest at the best interest rates
Savings Accounts: Earn interest on your savings
Current Accounts: Use cheques for easy payments
Islamic Fixed Deposits: Find the best Islamic term deposits
Wealth Management: Start managing your wealth

Buy Now Pay Later: Shop and pay later with zero-interest installments

All articles: Important money tips and tricks
Banking Basics: Learn personal finance
Insurance Guides: Everything you need to know about insurance
Income Tax Calculator: Tools and FAQ guied for tax e-filing

About Us: We are your personal finance heroes
Contact Us: Learn personal finance
Testimonials: Here's what our customers say about us
Work with us: Come work for the team that's helping Malaysians get more for their money
Terms and Conditions: Read and understand our Terms of Use, Privacy Policy, and Credit Reporting Agency Terms and Conditions below.

Copyright © 2023 Jirnexu Sdn Bhd. All rights reserved.

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
3.25% p.a.
Early Withdrawal
No
Interest Earned
RM1,625
BSN Term Deposit
Interest Rate
3.1% p.a.
Early Withdrawal
No
Interest Earned
RM1,550
Alliance FD Gold
Interest Rate
2.95% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,475
Bank of China Fixed Deposit Account
Interest Rate
2.9% p.a.
Early Withdrawal
No
Interest Earned
RM1,450
Public Bank PB Golden 50 PLUS FD Account
Interest Rate
2.9% p.a.
Early Withdrawal
No
Interest Earned
RM1,450
Bank of Nova Scotia Fixed Deposit
Interest Rate
2.85% p.a.
Early Withdrawal
No
Interest Earned
RM1,425

Maybank eFixed Deposit
Interest Rate
2.85% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,425
India International Bank Fixed Deposit
Interest Rate
2.85% p.a.
Early Withdrawal
No
Interest Earned
RM1,425
Maybank Fixed Deposit
Interest Rate
2.85% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,425
CIMB Unfixed Deposit
Interest Rate
2.85% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,425
Alliance Bank Fixed Deposit
Interest Rate
2.85% p.a.
Early Withdrawal
No
Interest Earned
RM1,425
Affin Bank Fixed Deposit
Interest Rate
2.85% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,425

Public Bank eFixed Deposit
Interest Rate
2.8% p.a.
Early Withdrawal
No
Interest Earned
RM1,400
RHB Senior 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
Public Bank PLUS Fixed Deposit Account
Interest Rate
2.8% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,400
OCBC MYR Fixed Deposit
Interest Rate
2.75% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,375
HSBC Time Deposit
Interest Rate
2.65% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,325

Standard Chartered Fixed Deposit
Interest Rate
2.6% p.a.
Early Withdrawal
No
Interest Earned
RM1,300
Hong Leong Priority Banking Fixed Deposit
Interest Rate
2.55% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,275
Hong Leong Senior Savers Flexi FD
Interest Rate
2.55% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,275
Hong Leong Junior Fixed Deposit
Interest Rate
2.55% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,275
Hong Leong Flexi FD
Interest Rate
2.55% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,275
UOB Fixed Deposit
Interest Rate
2.55% p.a.
Early Withdrawal
No
Interest Earned
RM1,275
AmBank Am50 Plus
Interest Rate
2.45% p.a.
Early Withdrawal
No
Interest Earned
RM1,225
AmBank Conventional Fixed Deposit
Interest Rate
2.45% p.a.
Early Withdrawal
No
Interest Earned
RM1,225
Hong Leong e-Fixed Deposit
Interest Rate
2.4% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,200
Hong Leong Fixed Deposit
Interest Rate
2.4% p.a.
Early Withdrawal
Yes
Interest Earned
RM1,200

✕

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