如果你有一笔存款，想拿来投资，可是却不愿投资高风险的股票和需要长时间的房产，这里建议你把存款放入银行定期存款（Fixed
Deposit）。
定期存款的计算方式是以年利率来计算。举个例子，Bank
Rakyat一个月的定期存款利率是3.40%。若把1000令吉存入Bank
Rakyat Fixed Deposit，一个月可得大约2.83令吉。
计算方法：
RM1000 × 3.40 / 100 = RM34
RM34 / 12 = RM2.83
注：以下定期存款利率为basic利率，不包括促销期利率。
银行
|
1M
|
3M
|
6M
|
12M
|
15M
|
最低资本
|
AFFIN ISLAMIC
|
3.48%
|
3.69%
|
3.77%
|
3.88%
|
-
|
10,000
|
Bank Rakyat
|
3.40%
|
3.70%
|
3.90%
|
4.10%
|
4.12%
|
500
|
MBSB
|
3.30%
|
3.35%
|
3.45%
|
3.60%
|
3.70%
|
1,000
|
Bank Islam
|
3.30%
|
3.35%
|
3.40%
|
3.60%
|
3.70%
|
500
|
AFFINBANK
|
3.25%
|
3.30%
|
3.40%
|
3.70%
|
-
|
5,000
|
Public Bank
|
3.15%
|
3.20%
|
3.30%
|
3.35%
|
-
|
1,000
|
RHB Islamic Bank
|
3.15%
|
3.20%
|
3.25%
|
3.45%
|
-
|
5,000
|
Maybank Islamic
|
3.15%
|
3.20%
|
3.25%
|
3.40%
|
3,40%
|
1,000
|
AmBank
|
3.15%
|
3.20%
|
3.25%
|
3.35%
|
3.35%
|
5,000
|
Public Islamic Bank
|
3.15%
|
3.20%
|
3.35%
|
3.40%
|
-
|
5,000
|
AmIslamic Bank
|
3.15%
|
3.25%
|
3.30%
|
3.45%
|
3.45%
|
500
|
CIMB
|
3.15%
|
3.20%
|
3.25%
|
3.30%
|
3.30%
|
1,000
|
Alliance Bank
|
3.15%
|
3.20%
|
3.25%
|
3.30%
|
3.30%
|
500
|
RHB
|
3.15%
|
3.20%
|
3.25%
|
3.45%
|
3.45%
|
500
|
BSN
|
3.15%
|
3.15%
|
3.20%
|
3.35%
|
3.45%
|
1,000
|
Mach
|
3.15%
|
3.30%
|
3.85%
|
3.60%
|
-
|
1,000
|
Maybank
|
3.15%
|
3.20%
|
3.25%
|
3.30%
|
3.30%
|
1,000
|
Kuwait Finance House
|
3.10%
|
3.20%
|
3.35%
|
3.40%
|
-
|
500
|
Hong Leong Islamic
|
3.05%
|
3.10%
|
3.20%
|
3.30%
|
-
|
500
|
Hong Leong
|
3.05%
|
3.10%
|
3.20%
|
3.30%
|
-
|
500
|
UOB
|
3.05%
|
3.10%
|
3.10%
|
3.30%
|
-
|
500
|
HSBC Amanah
|
3.00%
|
3.15%
|
3.15%
|
3.30%
|
3.30%
|
1,000
|
HSBC
|
3.00%
|
3.10%
|
3.15%
|
3.30%
|
3.30%
|
1,000
|
Standard Chartered
|
2.95%
|
3.10%
|
3.15%
|
3.25%
|
-
|
1,000
|
Standard Chartered
Saadiq
|
2.95%
|
3.15%
|
3.20%
|
3.30%
|
-
|
5,000
|
Citibank
|
2.95%
|
3.10%
|
3.10%
|
3.20%
|
-
|
1,000
|
OCBC
|
2.90%
|
3.00%
|
3.05%
|
3.25%
|
3.30%
|
1,000
|
OCBC Al Amin
|
2.90%
|
3.00%
|
3.05%
|
3.25%
|
3.30%
|
1,000
|
更多定期存款消息：
