Products · Fixed Deposits
Best Fixed Deposits Malaysia 2026
Live FD rates from Malaysian banks and digital banks — sorted by yield. PIDM protection status shown for each product.
Looking for our top picks? Our editors ranked the best fixed deposits in Malaysia.
8 products · sorted by editor rating
Alliance Bank
Alliance Bank e-FD
Licensed Bank
Rate
2.90% – 3.25%p.a.
- +12-month rate at 3.25% — among the higher published rates for conventional banks
- +PIDM insured
- +Online and app placement — no branch required
3.9/10
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Maybank
Maybank Fixed Deposit-i
Major Bankshariah
Rate
2.85% – 3.10%p.a.
- +Same profit rate as conventional FD — no penalty for choosing Islamic
- +PIDM insured
- +Tawarruq contract — fully Shariah-compliant
3.8/10
Learn MoreMaybank
Maybank Fixed Deposit
Major Bank
Rate
2.85% – 3.10%p.a.
- +12-month rate competitive at 3.10% p.a.
- +PIDM insured up to RM250,000 per depositor
- +Easy rollover — auto-renew on maturity
3.8/10
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Public Bank
Public Bank Fixed Deposit
Major Bank
Rate
2.80% – 3.05%p.a.
- +RM500 minimum deposit — lower than most peers
- +PIDM insured
- +One of Malaysia's most trusted banks
3.7/10
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CIMB Bank
CIMB Fixed Deposit
Major Bank
Rate
2.85% – 3.10%p.a.
- +Competitive 3.10% p.a. at 12 months
- +PIDM insured
- +Seamless placement in CIMB OCTO app — no branch needed
3.7/10
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Hong Leong Bank
HLB e-FD
Major Bank
Rate
2.80% – 3.05%p.a.
- +PIDM insured
- +HLB Connect app placement
- +Good for HLB mortgage holders who want to consolidate banking
3.6/10
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AmBank
AmBank Fixed Deposit
Major Bank
Rate
2.85% – 3.15%p.a.
- +3.15% 12m rate — slightly above Maybank/CIMB standard
- +PIDM insured
- +AmOnline placement available
3.6/10
Learn MoreBS
BSN (Bank Simpanan Nasional)
BSN Fixed Deposit
Major Bank
Rate
2.75% – 3.00%p.a.
- +RM500 minimum — most accessible entry point in Malaysia
- +PIDM insured
- +Government-linked bank — strong institutional trust
3.4/10
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