Fixed Deposits (FD) and Fixed Deposit-i are widely trusted investment options in Malaysia, offering a secure way for people to grow their savings.<\/p>\n\n\n\n

These choices have become popular because they are safe, reliable, and provide consistent earnings. <\/p>\n\n\n\n

Let’s look at these options and understand their differences, along with the current FD rates in February 2025.<\/p>\n\n\n\n

Your Guide to Fixed Deposits + Latest FD Rates<\/h2>
What is Fixed Deposit (FD) and Fixed Deposit-i (FD-i)?<\/a>
What is Fixed Deposit (FD)?<\/a><\/li>
What is Fixed Deposit-i (FD-i)?<\/a><\/li>
Key Differences between FD and FD-i<\/a><\/li><\/ul><\/li>
Latest Fixed Deposit\/FD rates for February 2025<\/a>
1. Alliance Bank<\/a><\/li>
2. CIMB Bank<\/a><\/li>
3. RHB Bank<\/a><\/li>
4. Public Bank<\/a><\/li>
5. OCBC Bank<\/a><\/li>
6. Maybank<\/a><\/li>
7. BSN<\/a><\/li><\/ul><\/li><\/ul><\/div>\n\n\n\n
\n\n\n\n
<\/a>What is Fixed Deposit (FD) and Fixed Deposit-i (FD-i)?<\/b><\/h2>\n\n\n
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$\"Fixed$ <\/figure>\n<\/div>\n\n\n
What is Fixed Deposit (FD)?<\/h3>\n\n\n\n
Fixed deposits, commonly known as FDs, are traditional savings accounts offered by banks and financial institutions.<\/span><\/p>\n\n\n\n
They function on a straightforward principle: you deposit a specific sum of money for a predetermined period, ranging from a few months to several years.<\/span><\/p>\n\n\n\n
During this tenure, the deposited amount accrues interest at a fixed rate, which is typically higher than in regular savings accounts. <\/span><\/p>\n\n\n\n
The interest rate remains constant throughout the agreed-upon period, providing investors with stability and predictability in their earnings.<\/span><\/p>\n\n\n\n
<\/a>What is Fixed Deposit-i (FD-i)?<\/h3>\n\n\n\n
Fixed Deposit-i, often referred to as Islamic Fixed Deposits, follows the principles of Islamic finance. These deposits are Shariah-compliant, adhering to Islamic laws that prohibit earning interest (Riba).<\/span><\/p>\n\n\n\n
Instead of earning interest, investors in Fixed Deposit-i accounts enter into a Mudarabah or Wakalah contract with the bank. <\/span><\/p>\n\n\n\n
Under Mudarabah, the bank pools funds from investors and engages in Shariah-compliant activities.<\/span><\/p>\n\n\n\n
Profits generated from these activities are shared between the bank and the investors based on agreed-upon ratios.<\/span><\/p>\n\n\n\n
<\/a>Key Differences between FD and FD-i<\/b><\/h3>\n\n\n\n
<\/td> FD<\/strong><\/td> FD-i<\/strong><\/td><\/tr>
Interest vs. profit-sharing<\/b><\/td> Earn a fixed interest rate on your deposit<\/span><\/td> Using a profit-sharing model<\/span><\/td><\/tr>
Shariah Compliance<\/b><\/td> Operate on interest, which might not align with Shariah principles<\/span><\/td> Shariah-compliant<\/span><\/td><\/tr>
Flexibility in Tenures<\/b><\/td> A variety of tenures, accommodating both short-term and long-term investment preferences<\/span><\/td> Provides diverse tenure options, allowing you to align your investment with your specific goals and needs<\/span><\/td><\/tr>
Investment Profit Allocation<\/b><\/td> Earnings are based on fixed interest rates<\/span><\/td> Operates on profit-sharing; returns fluctuate based on profits from Shariah-compliant activities<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Latest Fixed Deposit\/FD rates for <\/strong>February 2025 <\/h2>\n\n\n\n
1. Alliance Bank<\/h3>\n\n\n
\n
$\"Alliance$
Source: All<\/a>iance<\/a><\/strong><\/em><\/figcaption><\/figure>\n<\/div>\n\n\n
Offer<\/strong>: <\/span>Alliance Bank Fixed Deposit: Personal Welcome Offer<\/p>\n\n\n\n
Interest Rates<\/strong>: 3.80% per annum for 6 months<\/span><\/p>\n\n\n\n
Minimum<\/strong> Deposit<\/strong>: RM10,000<\/span><\/p>\n\n\n\n
Promotion Period:<\/strong> 1 October 2024 – 31 March 2025<\/p>\n\n\n\n
Offer details and conditions:<\/strong> <\/span>Exclusively for Alliance Bank new account holders; must be deposited in 30 days.<\/p>\n\n\n\n
2. CIMB Bank<\/h3>\n\n\n\n $\"\"$
Source: <\/em>CIMB<\/mark><\/a><\/em> <\/strong><\/figcaption><\/figure>\n\n\n\n
Offer:<\/strong> CIMB eFixed Deposit-i (eFD-i)<\/p>\n\n\n\n
Interest Rates<\/strong>:<\/span><\/p>\n\n\n\n
Interest rate (%)<\/strong><\/td> Lock-in period<\/strong><\/td><\/tr>
3.55<\/td> 3 months<\/td><\/tr>
3.68<\/td> 6 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Minimum<\/strong> deposit<\/strong>: RM1,000<\/span><\/p>\n\n\n\n
Promotion Period:<\/strong> 16 January 2025 – 24 March 2025<\/p>\n\n\n\n
Preferential<\/strong> Terms<\/strong>: <\/span>Users must use CIMB Clicks Website or CIMB OCTO APP, and transfer money from other banks to CIMB Bank accounts by FPX.<\/p>\n\n\n\n
<\/a><\/h3>\n\n\n\n
<\/a>3. RHB Bank<\/h3>\n\n\n
\n
$\"FD$
Source: RHB Bank<\/mark><\/a><\/strong><\/em><\/figcaption><\/figure>\n<\/div>\n\n\n
Offer<\/strong>: RHB Term Deposit & e‑Term Deposit<\/span><\/p>\n\n\n\n
**Interest Rates<\/strong>: 3.70% per annum for 6 months<\/span> *for all RHB Customer<\/p>\n\n\n\n
Eligible Customers<\/strong><\/td> Tenure<\/strong><\/td> Rate<\/strong><\/td> Minimum Deposit <\/strong><\/td><\/tr>
All RHB Customers<\/td> 6 months<\/td> 3.70%<\/td> RM 5,000<\/td><\/tr>
RHB Premier Customers<\/td> 6 months<\/td> 3.80%<\/td> RM 20,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Promotion Period:<\/strong> 3 January 2025 – 28 February 2025<\/p>\n\n\n\n
Preferential<\/strong> Terms<\/strong>: <\/span>Users must use HLB Connect Online<\/a><\/mark><\/strong> or HLB Connect APP, and transfer money from other banks to Hong Leong Bank accounts by FPX.<\/p>\n\n\n\n**
4. Public Bank <\/h3>\n\n\n
\n
$\"\"$
Source: <\/em>Public Islamic Bank<\/em> <\/mark><\/a><\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n
Offer<\/strong>: <\/span>PB RCB Special Fixed Deposit \/ Term Deposit-i<\/p>\n\n\n\n
Interest rates:<\/strong><\/p>\n\n\n\n
Lock-in period<\/strong><\/th> Fixed deposit rate<\/strong><\/th><\/tr><\/thead>
3 months<\/td> 3.60%<\/td><\/tr>
6 months<\/td> 3.70%<\/td><\/tr>
9 months<\/td> 3.55%<\/td><\/tr>
12 months<\/td> 3.60%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Minimum deposit:<\/strong> RM 5,000<\/p>\n\n\n\n
Promotion period:<\/strong> 1 January 2025 – 31 March 2025<\/p>\n\n\n
\n
$\"\"$
Source: Public Bank<\/mark><\/a> <\/strong><\/em><\/figcaption><\/figure>\n<\/div>\n\n\n
5. OCBC Bank <\/h3>\n\n\n
\n
$\"\"$
Source: OCBC Bank <\/mark><\/strong><\/em><\/figcaption><\/figure>\n<\/div>\n\n\n
Fixed Deposit Rate<\/strong><\/th> Lock Up Period<\/th><\/tr><\/thead>
3.65%<\/td> 6 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Minimum deposit:<\/strong> RM1,000<\/p>\n\n\n\n
Promotion period:<\/strong> 23 January 2025 – 2 March 2025<\/p>\n\n\n\n
Offer details and conditions<\/strong> : Users must go to the OCBC Bank counter to transfer money from other banks to the OCBC Bank account in the form of ‘Fresh Funds’. Moreover, the deposit must be completed within 7 days.<\/p>\n\n\n\n
6. Maybank<\/h3>\n\n\n
\n
$\"\"$
Source: Maybank<\/mark><\/a><\/strong><\/em> <\/figcaption><\/figure>\n<\/div>\n\n\n
Offer<\/strong>: <\/span>Maybank e-Islamic Fixed Deposit-i (eIFD-i)<\/p>\n\n\n\n
Interest Rates<\/strong>: <\/span><\/p>\n\n\n\n
Promo Rates <\/th> Tenure<\/th><\/tr><\/thead>
3.70%<\/td> 6 months<\/td><\/tr>
3.65%<\/td> 3 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Minimum<\/strong> Deposit<\/strong>: RM1,000<\/span><\/p>\n\n\n\n
Promotion Period:<\/strong> 15 January 2025 – 15 February 2025 <\/p>\n\n\n\n
Offer details and conditions:<\/strong> <\/span>Users must make eFD placement via the Maybank2U website.<\/p>\n\n\n\n
7. BSN<\/h3>\n\n\n
\n
$\"BSN\"$
Source: BSN<\/a><\/mark><\/strong><\/em><\/figcaption><\/figure>\n<\/div>\n\n\n
Offer<\/strong>: <\/span>BSN Term Deposit-i with BSN SSP Platinum<\/p>\n\n\n\n
Interest rate:<\/strong><\/p>\n\n\n\n
BSN Term Deposit-i<\/strong><\/td> BSN SSP Platinum<\/strong><\/td> Placement ratio<\/strong><\/td> Lock-in period<\/strong><\/td><\/tr>
5.50% per annum<\/td> 0.01% per annum<\/td> 70%:30%<\/td> 6 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Minimum deposit: <\/strong>RM5,000<\/p>\n\n\n\n
Offer period:<\/strong> 16 January 2025 – 15 February 2025<\/p>\n\n\n\n
Offer Details & Conditions:<\/strong> Minimum placement amount is only for ‘New Funds”. Open to new and existing Bank Simpanan Nasional (BSN) customers.<\/p>\n\n\n\n
Finding the best FD rates in Malaysia involves careful consideration. As a potential investor, focus on the duration, minimum deposit, and any special terms each bank offers. <\/p>\n\n\n\n
By understanding these details, you can make a smart investment choice tailored to your needs. Stay informed, compare options, and choose wisely to maximize your earnings!<\/p>\n\n\n\n
Version: CN<\/a><\/span><\/strong><\/em>, BM<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n
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