July FD Updated oh July FD Updated

Fixed deposits remain a popular choice for Malaysians seeking low-risk investment options with guaranteed returns. As we move through July and August 2025, several banks are offering attractive fixed deposit (FD) rates with varying terms and conditions. Whether you're looking for short-term savings or longer-term growth, here's a roundup of the latest FD promotions from major banks in Malaysia.

🔹 1. Hong Leong Bank

Promo Period: July 14 – July 31, 2025
Minimum Deposit: RM1,000
Rates:
- 3 months – 3.35% p.a.
- 6 months – 3.45% p.a.
- 12 months – 3.30% p.a.
Condition: Deposit must be made via HLB Connect Online or App using FPX transfer from another bank.

🔹 2. CIMB

Promo Period: July 11 – August 14, 2025
Minimum Deposit: RM1,000
Rates:
- 4 months – 3.40% p.a.
- 7 months – 3.45% p.a.
Condition: Deposit via CIMB OCTO App or CIMBClicks.

🔹 3. Public Bank

A. Conventional Fixed Deposit

Promo Period: July 10 – September 30, 2025
Minimum Deposit: RM5,000
Rates:
- 3 months – 3.35% p.a.
- 6 months – 3.45% p.a.
- 9 months – 3.25% p.a.
- 12 months – 3.30% p.a.
Condition: Deposit via counter or online.

B. Islamic Term Deposit

Promo Period: July 10 – September 30, 2025
Minimum Deposit: RM5,000
Rates:
- 3 months – 3.35% p.a.
- 6 months – 3.45% p.a.
- 7 months – 3.50% p.a.
- 12 months – 3.30% p.a.
- 13 & 15 months – 3.10% p.a.
- 18 & 24 months – 3.00% p.a.
Condition: Deposit via counter or online. 7- and 13-month terms are counter-only.

🔹 4. AmBank

Promo Period: July 14 – August 31, 2025
Minimum Deposit: RM1,000
Rates:
- 3 months – 3.35% p.a. (BEST3)
- 6 months – 3.50% p.a. (BEST6)
- 10 months – 3.60% p.a. (HOT10)
Condition: Deposit via AmOnline App or Web using FPX transfer.

🔹 5. Bank Islam

Promo Period: July 10 – August 31, 2025
Minimum Deposit: RM10,000
Rates:
- 6 months – 3.65% p.a.
- 9 months – 3.70% p.a.
- 12 months – 3.75% p.a.
Condition: Deposit via bank counter only.

🔹 6. Standard Chartered

Promo Period: July 16 – July 31, 2025
Minimum Deposit: RM30,000
Rate:
- 12 months – 3.60% p.a.
Condition: Fresh funds only, deposit via bank counter.

🔹 7. AEON Bank

Promo Period: June 1 – August 31, 2025
Minimum Deposit: RM200
Rate:
- 6 months – 3.08% p.a.
Condition: Deposit via AEON Bank App.

🔹 8. BSN

Promo Period: July 10 – July 31, 2025
Minimum Deposit: RM5,000
Rate:
- 6 months – 5.50% p.a.
- Effective Rate: 3.85% p.a.
Condition: Funds split—70% into FD, 30% into BSN SSP. Deposit via bank counter.

🔹 9. Affin Bank

Promo Period: July 11 – July 31, 2025
Minimum Deposit: RM10,000
Rates:
- 3 months – 2.90% p.a.
- 6 months – 3.15% p.a.
- 9 months – 3.20% p.a.
- 10 months – 3.28% p.a.
- 12 months – 3.30% p.a.
Condition: Deposit via Affin Always platform.

🔹 10. Alrajhi Bank

Promo Period: June 25 – August 31, 2025
Rates:
- 3 months – 3.75% p.a.
- 6 & 9 months – 3.80% p.a.
Condition: Deposit via MY alrajhi App.

🔹 11. Bank Muamalat

Promo Period: March 18 – December 31, 2025
Minimum Deposit: RM10,000
Rates:
- 6 months – 3.80% p.a.
- 12 months – 4.00% p.a.
Condition: Deposit via bank counter.

📝 Conclusion

With rates reaching up to 4.00% p.a., July and August 2025 offer excellent opportunities for savers to grow their funds through fixed deposits. Whether you prefer online banking convenience or traditional counter services, there's a promotion to suit your needs. Be sure to check the terms—especially minimum deposit amounts and platform requirements—before committing.