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RM

bulan

Sedang tunjukkan 44 simpanan tetap
Featured
Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00
Featured

CIMB Unfixed Deposit

Deposit Minima:

RM 1,000

Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00
Featured
Kadar Faedah
2.85%
6 bulan
Pulangan Pelaburan RM 285.00
Featured

OCBC Akaun MYR Fixed Deposit

Deposit Minima:

RM 10,000

Kadar Faedah
2.85%
6 bulan
Pulangan Pelaburan RM 285.00

HSBC Advance Akaun Time Deposit

Deposit Minima:

RM 10,000

Kadar Faedah
3.69%
6 bulan
Pulangan Pelaburan RM 369.00
Kadar Faedah
3.55%
6 bulan
Pulangan Pelaburan RM 355.00
Kadar Faedah
3.50%
6 bulan
Pulangan Pelaburan RM 350.00
Kadar Faedah
3.35%
6 bulan
Pulangan Pelaburan RM 335.00

AmBank Akaun Am50 Plus

Deposit Minima:

RM 5,000

Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00

Alliance Bank Akaun Fixed Deposit

Deposit Minima:

RM 500

Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00
Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00
Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00
Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00

AmBank Akaun AmQuantum

Deposit Minima:

RM 5,000

Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00
Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00

RHB Akaun Ordinary Fixed Deposit

Deposit Minima:

RM 500

Kadar Faedah
3.30%
6 bulan
Pulangan Pelaburan RM 330.00

MBSB Simpanan Tetap Term Deposit-i

Deposit Minima:

RM 500

Kadar Faedah
3.25%
6 bulan
Pulangan Pelaburan RM 325.00

BSN Term Deposit-i

Deposit Minima:

RM 10,000

Kadar Faedah
3.20%
6 bulan
Pulangan Pelaburan RM 320.00

BSN Term Deposit

Deposit Minima:

RM 1,000

Kadar Faedah
3.20%
6 bulan
Pulangan Pelaburan RM 320.00

Mach Akaun Fixed Deposit

Deposit Minima:

RM 1,000

Kadar Faedah
3.20%
6 bulan
Pulangan Pelaburan RM 320.00
Kadar Faedah
3.15%
6 bulan
Pulangan Pelaburan RM 315.00
Kadar Faedah
3.15%
6 bulan
Pulangan Pelaburan RM 315.00
Kadar Faedah
3.15%
6 bulan
Pulangan Pelaburan RM 315.00
Kadar Faedah
3.15%
6 bulan
Pulangan Pelaburan RM 315.00

AFFINBANK Akaun Fixed Deposit

Deposit Minima:

RM 5,000

Kadar Faedah
3.15%
6 bulan
Pulangan Pelaburan RM 315.00
Kadar Faedah
3.15%
6 bulan
Pulangan Pelaburan RM 315.00
Kadar Faedah
3.15%
6 bulan
Pulangan Pelaburan RM 315.00
Kadar Faedah
3.10%
6 bulan
Pulangan Pelaburan RM 310.00

HSBC Akaun Time Deposit

Deposit Minima:

RM 5,000

Kadar Faedah
3.10%
6 bulan
Pulangan Pelaburan RM 310.00

HSBC Premier Akaun Time Deposit

Deposit Minima:

RM 1,000

Kadar Faedah
3.10%
6 bulan
Pulangan Pelaburan RM 310.00
Kadar Faedah
3.10%
6 bulan
Pulangan Pelaburan RM 310.00

Maybank Akaun Fixed Deposit Account

Deposit Minima:

RM 1,000

Kadar Faedah
3.05%
6 bulan
Pulangan Pelaburan RM 305.00
Kadar Faedah
3.05%
6 bulan
Pulangan Pelaburan RM 305.00

Maybank Akaun eFixed Deposit

Deposit Minima:

RM 1,000

Kadar Faedah
3.05%
6 bulan
Pulangan Pelaburan RM 305.00
Kadar Faedah
3.05%
6 bulan
Pulangan Pelaburan RM 305.00
Kadar Faedah
3.05%
6 bulan
Pulangan Pelaburan RM 305.00
Kadar Faedah
3.05%
6 bulan
Pulangan Pelaburan RM 305.00
Kadar Faedah
2.95%
6 bulan
Pulangan Pelaburan RM 295.00

Hong Leong Akaun Fixed Deposit

Deposit Minima:

RM 0

Kadar Faedah
2.90%
6 bulan
Pulangan Pelaburan RM 290.00
Kadar Faedah
2.90%
6 bulan
Pulangan Pelaburan RM 290.00

UOB Akaun Fixed Deposit

Deposit Minima:

RM 500

Kadar Faedah
2.90%
6 bulan
Pulangan Pelaburan RM 290.00
Kadar Faedah
2.85%
6 bulan
Pulangan Pelaburan RM 285.00

HSBC Amanah Akaun Term Deposit-i

Deposit Minima:

RM 1,000

Kadar Faedah
2.85%
6 bulan
Pulangan Pelaburan RM 285.00

Citibank Akaun Time Deposit

Deposit Minima:

RM 1,000

Kadar Faedah
2.75%
6 bulan
Pulangan Pelaburan RM 275.00

What Is A Fixed Deposit Account?

A Fixed Deposit account (FD) is a financial instrument offered by banks, which allows you to save your money for a fixed period of time to generate higher interest compared to a conventional savings account. In many western countries, FD is also known as term deposit or time deposit.

How Does A Fixed Deposit Account Work?

In a typical FD arrangement, you place a sum of money into a bank by cash or cheque, and receive in return a certificate of deposit indicating the deposited amount, the interest and the maturity date. At the specified maturity date, you then return the certificate of deposit to the bank to withdraw your deposited amount plus interest.

How to Get Higher Interest from Your FD?

FD's generally provide savers with higher interest rates than regular savings accounts. As such, if you have some spare cash that you do not need access to, you can boost your income by choosing to invest in it.

  1. Take advantage of FD promotions:

    Most banks run FD promotions a few times a year in order to entice new and recurring customers. Interest rates from FD promotions are usually higher than the board rate. Keep yourself updated with the latest FD promotions by checking iMoney's online calculator regularly (Scroll up to use the calculator).

  2. Compare the rates:

    Different banks have different FD interest rates. To get maximum returns from your deposits, check the rates of all the banks before opening an FD. This can also be done via iMoney's online calculator.

  3. Lengthen your Fixed Deposit period:

    Typically, the longer your FD period is, the higher the interest rate is. However, bear in mind that you may risk losing all or part of your interest if the fund is withdrawn prematurely.

What Happens If You Terminate Your FD Before The Maturity Date?

Based on the standard policy of major banks in Malaysia, you will instantly lose all interest if you:

  • make a premature withdrawal from an FD with a term of one, two or three months
  • make a premature withdrawal before three months from an FD account with a term longer then three months

However, if you make a premature withdrawal from an FD after three months, you get to keep half of the interest generated.

Are Your FD Deposits Safe?

In Malaysia, all deposits made at a member bank are automatically protected by Perbadanan Insurans Deposit Malaysia (PIDM). In the event that your bank fails, PIDM protects you against the loss of your deposits, but only for up to RM250,000 per depositor per bank. For peace of mind, look for the PIDM sign that indicates your bank is a member bank.

For those with more than RM250,000, consider getting maximum protection by depositing your money in sums of RM250,000 with different banks. Alternatively, you can also place your money into an Islamic account or a joint-name account with the same bank, as they are insured separately. For more information on PIDM, click here.

Read the latest Fixed Deposit News in Malaysia here.