Looking for the best fixed deposit (FD) rates in Malaysia for November 2026? Whether you want a short-term 3-month placement or a longer 12-month lock-in to maximize interest, local banks are offering competitive promotional rates—with some reaching up to 4.10% p.a.
Here is the complete round-up of all ongoing fixed deposit promotions, organized for easy comparison.
Fixed Deposit Promo Rates (Nov 2026)
| Bank & Promo Period | Min. Deposit | Selected Rates (p.a.) |
OCBC (19 Oct – 31 Dec) | RM 10,000 | 6M: 4.05% 12M: 4.10% |
MBSB (2 Oct – 30 Nov) | RM 1,000 | 6M: 4.00% 12M: 3.95% |
Alrajhi Bank (9 Oct – 31 Dec) | RM 500 | 1M: 3.25% | 3M: 3.50% 6M/9M: 3.80% | 12M: 4.00% |
Affin Bank (30 Oct – 30 Nov) | RM 5,000 | 8M: 3.90% 12M: 3.95% |
Bank Rakyat (15 Oct – 31 Dec) | RM 10,000 | 6M: 3.88% 12M / 15M: 3.95% |
Maybank (1 Nov – 30 Nov) | RM 5,000 | 3M: 3.58% 6M: 3.88% 12M: 3.93% |
RHB Bank (27 Oct – 30 Nov) | RM 5,000 | 12M: 3.90% |
Public Bank (Conventional) (26 Oct – 31 Dec) | RM 5,000 | 6M: 3.80% 9M: 3.85% 12M: 3.90% |
Public Bank (Islamic) (30 Oct – 31 Dec) | RM 5,000 | 3M: 3.40% | 6M/7M: 3.80% 12M: 3.90% | 13M: 3.65% |
CIMB Bank (9 Oct – 12 Nov) | RM 1,000 | 3M: 3.55% 7M / 10M: 3.85% 12M / 15M: 3.90% |
Hong Leong Bank (10 Oct – 16 Nov) | RM 1,000 | 3M: 3.50% | 6M: 3.88% 12M: 3.80% | 13M: 3.55% |
AmBank (1 Oct – 8 Nov) | RM 1,000 | 3M: 3.45% 7M: 3.75% 12M: 3.85% |
GXBank (From 1 Oct) | Max RM 12.5k/pocket | 3M: 3.18% 6M: 3.80% |
Bank Islam (1 Oct – 31 Dec) | RM 1,000 | 6M: 3.60% – 3.70% 12M: 3.65% – 3.75% |
AEON Bank (1 Sep – 28 Feb 2027) | RM 200 | 6M: 3.08% |
💡 Key Highlights & Recommendations
Highest Overall Yield: OCBC leads with 4.10% p.a. for 12 months and 4.05% p.a. for 6 months (requires Fresh Funds).
Top 6-Month Options: MBSB (4.00% p.a.), Maybank (3.88% p.a.), and Hong Leong Bank (3.88% p.a.) offer top rates without strict high-tier requirements.
Lowest Entry Thresholds: AEON Bank (RM200) and Alrajhi Bank (RM500) let you lock in promo rates with smaller sums.
Expiring Soon: Take note of early deadlines for AmBank (ends Nov 8) and CIMB (ends Nov 12) if you plan to transfer funds over.