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Features & Benefits

Higher Returns
Flexibility

Eligibility & Requirements

  • Applicable for business enterprises operating in Malaysia
  • Minimum initial deposit of RM5,000 for 1 month
  • Minimum initial deposit of RM1,000 for 2 months and above

Protected by PIDM up to RM250,000 for each depositor. To view PIDM's brochure, click here.

Interest Rates

Important Notes

Interest is paid upon maturity. Interim interest is paid every 6 months for tenures above 12 months. Withdrawal is allowed with a minimum of RM1,000 and in multiples of RM1,000 under the same account number (Applicable for new and renewed Unfixed DepositTM accounts effective 18 January 2015 onward).


Upliftment/Withdrawal before maturity is allowed but the amount will be subject to the following conditions:

 

1. For FD placements or renewals from 1 November 2018 onwards:

  • No interest will be paid for any fully or partially* withdrawn amount before completion of its tenure.

 

2. For FD placements or renewals prior to 1 November 2018:

  • FD for tenure of 1 to 3 months
    No interest will be paid for any fully or partially* withdrawn amount before the completion of its tenure.

  • FD for tenure of 4 months and above
    Before Completion of 3 months
    No interest will be paid for any fully or partially* withdrawn amount.

    After Completion of 3 months
    For any fully or partially* withdrawn amount, half the interest of the contracted rate for each completed month of the withdrawn amount is payable.

 

*For partial withdrawn, interest on the contracted rate is payable for the amount that is not withdrawn.