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Best 12-month fixed deposit rates in Malaysia

Best 12-month rate per provider for a RM10,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 03:42 UTC.

3-month 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
CIMB BankFixed Deposit	1.90%≈ RM190 in 12 months	12 months	Not stated	Board rate Board rate, inclusive of all conventional FD; eFD promotions are separate	Przejdź do banku
MaybankFixed Deposit Account	1.90%≈ RM190 in 12 months	12 months	Not stated	Board rate Board rate; promotional FD rates are published separately	Przejdź do banku
AmBankConventional Fixed Deposit	1.80%≈ RM180 in 12 months	12 months	Not stated	Board rate Board rate; Minimum RM5,000 for 1-month tenure, RM500 for longer tenures; Age 18 and above	Przejdź do banku
Hong Leong BankFixed Deposit	1.80%≈ RM180 in 12 months	12 months	Not stated	Board rate Board rate	Przejdź do banku
Public BankFixed Deposit	1.80%≈ RM180 in 12 months	12 months	Not stated	Board rate Board rate; refer to account-holding branch for applicable rates; 13-60 months negotiable	Przejdź do banku
RHB BankOrdinary Fixed Deposit	1.80%≈ RM180 in 12 months	12 months	Not stated	Board rate Board rate; tenures above 12 months negotiable	Przejdź do banku

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Deposit protection: PIDM

LimitRM250,000

Eligible deposits at PIDM member banks are protected up to RM250,000 per depositor per member bank; the limit includes principal and interest/return. Islamic deposits are protected separately from conventional ones. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.