Bank Interest Rates Malaysia 2026
Kadar Faedah Bank | Complete Banking Guide
FD Rates, ASB Dividend, Savings, Home Loan, Personal Loan
OPR (Overnight Policy Rate)
Kadar Dasar Semalaman
Current OPR
3.00%
Feb 2026
FD Impact
2.5-3.5%
Fixed Deposit
Base Rate
3.5-4.0%
Bank lending
Home Loan
4.0-4.5%
Average rate
💡 What is OPR? The Overnight Policy Rate is set by Bank Negara Malaysia and influences all interest rates in the country. | OPR ditetapkan oleh Bank Negara Malaysia dan mempengaruhi semua kadar faedah.
Fixed Deposit (FD) Rates 2026
Kadar Deposit Tetap
| Bank | 1 Month | 3 Months | 6 Months | 12 Months | Minimum |
|---|---|---|---|---|---|
| 🏦 Maybank | 2.50% | 2.60% | 2.70% | 2.85% | RM5,000 |
| 🏦 CIMB Bank | 2.55% | 2.65% | 2.75% | 2.90% | RM5,000 |
| 🏦 Public Bank | 2.55% | 2.70% | 2.80% | 2.95% | RM1,000 |
| 🏦 RHB Bank | 2.50% | 2.65% | 2.75% | 2.90% | RM5,000 |
| 🏦 Hong Leong | 2.55% | 2.70% | 2.85% | 3.00% | RM5,000 |
| 🏦 AmBank | 2.50% | 2.65% | 2.80% | 2.95% | RM1,000 |
| 🏦 Alliance Bank | 2.60% | 2.75% | 2.90% | 3.10% | RM1,000 |
| 🏦 OCBC Bank | 2.55% | 2.70% | 2.85% | 3.00% | RM5,000 |
| 🏦 UOB Malaysia | 2.50% | 2.65% | 2.80% | 2.95% | RM10,000 |
| 🏦 HSBC Malaysia | 2.45% | 2.60% | 2.75% | 2.90% | RM10,000 |
| 🏦 Standard Chartered | 2.50% | 2.65% | 2.80% | 2.95% | RM25,000 |
| 🏦 Affin Bank | 2.55% | 2.70% | 2.85% | 3.00% | RM500 |
💡 Pro Tip: Rates may vary based on deposit amount. Larger deposits may get higher rates. Senior citizens typically get +0.1-0.25% bonus. Always check with the bank for latest promotions.
Savings Account Rates
Kadar Akaun Simpanan
Maybank
0.25%
Basic Savings Account
🌟 MAE Account
Up to 2.5% p.a.
CIMB Bank
0.25%
Basic Savings Account
🌟 e-Saver Account
Up to 3.0% p.a.
Public Bank
0.30%
Basic Savings Account
🌟 e-Savings Account
Up to 2.58% p.a.
RHB Bank
0.25%
Basic Savings Account
🌟 High Yield Savings
Up to 3.25% p.a.
Hong Leong
0.25%
Basic Savings Account
🌟 Pay&Save Account
Up to 3.0% p.a.
Alliance Bank
0.30%
Basic Savings Account
🌟 SavePlus Account
Up to 4.0% p.a.
🏛️ASB & PNB Funds Dividend | Dividen ASB & Dana PNB
Amanah Saham Bumiputera (ASB)
5.00%
2025 Dividend (Announced Jan 2026)
- • Bumiputera only | Untuk Bumiputera sahaja
- • Max investment: RM300,000
- • Tax-free dividend | Dividen bebas cukai
- • ASB Financing available from banks
ASB 2 (Amanah Saham Bumiputera 2)
4.75%
2025 Dividend
- • Bumiputera only
- • Max investment: RM200,000
- • For those who maxed ASB
- • Tax-free dividend
Other PNB Funds | Dana PNB Lain
ASM
4.50%
ASM 2
4.25%
ASM 3
4.00%
ASW 2020
4.25%
🏠Home Loan Rates | Kadar Pinjaman Perumahan
| Bank | Rate | Max Tenure | Max Margin | Lock-in |
|---|---|---|---|---|
| 🏦 Maybank | 4.10% | 35 years | 90% | 3-5 years |
| 🏦 CIMB | 4.05% | 35 years | 90% | 3 years |
| 🏦 Public Bank | 4.00% | 35 years | 95% | 5 years |
| 🏦 RHB | 4.15% | 35 years | 90% | 3 years |
| 🏦 Hong Leong | 4.08% | 35 years | 90% | 3 years |
| 🏦 AmBank | 4.18% | 35 years | 90% | 3 years |
| 🏦 UOB | 4.12% | 35 years | 90% | 3 years |
| 🏦 OCBC | 4.10% | 35 years | 90% | 3 years |
💳Personal Loan Rates | Kadar Pinjaman Peribadi
| Bank | Rate | Max Amount | Tenure | Min Income |
|---|---|---|---|---|
| 🏦 Maybank | 6.5-12% | RM150k | 7 years | RM2,500 |
| 🏦 CIMB | 6.0-11% | RM200k | 7 years | RM3,000 |
| 🏦 Public Bank | 6.5-12% | RM150k | 7 years | RM2,500 |
| 🏦 RHB | 6.0-10% | RM200k | 7 years | RM3,000 |
| 🏦 Hong Leong | 5.99-10% | RM200k | 7 years | RM3,000 |
| 🏦 Alliance | 6.5-12% | RM150k | 7 years | RM2,000 |
🚗Car Loan Rates | Kadar Pinjaman Kereta
🚘New Car | Kereta Baru
| Maybank | 2.48% |
| CIMB | 2.55% |
| Public Bank | 2.45% |
| Hong Leong | 2.50% |
| RHB | 2.58% |
* Up to 9 years, 90% margin
🚙Used Car | Kereta Terpakai
| Maybank | 3.28% |
| CIMB | 3.35% |
| Public Bank | 3.25% |
| Hong Leong | 3.30% |
| RHB | 3.40% |
* Up to 7 years, car < 7 years old
🕌Islamic Banking Rates | Kadar Perbankan Islam
Islamic banking uses profit rates instead of interest. Products are based on Shariah principles such as Murabahah (cost-plus financing), Tawarruq (commodity murabahah), and Musharakah Mutanaqisah (diminishing partnership).
Perbankan Islam menggunakan kadar keuntungan. Produk berdasarkan prinsip Syariah seperti Murabahah, Tawarruq, dan Musharakah Mutanaqisah.
🕌 Maybank Islamic
FD-i: 2.80% | Home: 4.15%
🕌 CIMB Islamic
FD-i: 2.85% | Home: 4.10%
🕌 Bank Islam
FD-i: 2.90% | Home: 4.20%
🕌 Bank Muamalat
FD-i: 2.85% | Home: 4.25%
🕌 MBSB Bank
FD-i: 2.95% | Home: 4.15%
🕌 Affin Islamic
FD-i: 2.90% | Home: 4.20%
🚗Complete Car Loan Guide Malaysia 2026 | Panduan Lengkap Pinjaman Kereta
📋 Car Loan Requirements | Syarat Pinjaman Kereta
- ✅ Age: 18-65 years old | Umur: 18-65 tahun
- ✅ Min Income: RM1,500-2,000/month | Pendapatan minimum
- ✅ Documents: IC, payslip, bank statement | Dokumen: IC, slip gaji, penyata bank
- ✅ Employment: Min 6 months | Bekerja: Minimum 6 bulan
- ✅ CCRIS: Clean credit record | Rekod kredit bersih
💰 Car Loan Costs | Kos Pinjaman Kereta
- 📝 Processing Fee: RM200-500 | Yuran pemprosesan
- 📄 Stamp Duty: 0.5% of loan | Duti setem
- 🔒 Insurance: Required yearly | Insurans wajib
- 📋 Road Tax: Based on engine cc | Cukai jalan
- 🏷️ Registration: ~RM300-500 | Pendaftaran
🚘 Car Loan Comparison by Bank | Perbandingan Pinjaman Kereta
| Bank | New Car | Used Car | Max Tenure | Max Margin | Min Income |
|---|---|---|---|---|---|
| Maybank | 2.48% | 3.28% | 9 years | 90% | RM1,500 |
| CIMB | 2.55% | 3.35% | 9 years | 90% | RM2,000 |
| Public Bank | 2.45% | 3.25% | 9 years | 90% | RM1,800 |
| Hong Leong | 2.50% | 3.30% | 9 years | 90% | RM1,500 |
| RHB | 2.58% | 3.40% | 9 years | 90% | RM2,000 |
| AmBank | 2.52% | 3.32% | 9 years | 90% | RM1,800 |
| Alliance Bank | 2.60% | 3.45% | 9 years | 85% | RM1,500 |
| UOB | 2.55% | 3.35% | 7 years | 90% | RM2,500 |
✅ Tips Dapat Loan Approve
- • DSR bawah 60-70%
- • CCRIS bersih, tiada default
- • Steady income 6+ bulan
- • Down payment 10-20%
- • Guarantor jika perlu
❌ Common Rejection Reasons
- • High DSR (>70%)
- • Bad CCRIS record
- • Job hopping frequently
- • Insufficient income
- • Too many existing loans
💡 Pro Tips | Petua Pro
- • Compare 3+ banks
- • Negotiate interest rate
- • Shorter tenure = less interest
- • Check promotional rates
- • Consider Islamic financing
🏦Best Banks in Malaysia 2026 | Bank Terbaik Malaysia
Maybank
Largest bank in Malaysia | Bank terbesar di Malaysia
- ✓ Widest ATM network
- ✓ MAE digital wallet
- ✓ Best for remittance
- ✓ FD: 2.85% | Home: 4.10%
CIMB Bank
Strong digital banking | Perbankan digital kukuh
- ✓ CIMB Clicks app
- ✓ e-Credit Card
- ✓ Good FD promos
- ✓ FD: 2.90% | Home: 4.05%
Public Bank
Best for home loans | Terbaik untuk pinjaman rumah
- ✓ Fastest loan approval
- ✓ Low processing fee
- ✓ Strong asset quality
- ✓ FD: 2.95% | Home: 4.00%
RHB Bank
High yield savings | Simpanan pulangan tinggi
- ✓ RHB High Yield 3.25%
- ✓ Good cashback cards
- ✓ Easy online banking
- ✓ FD: 2.90% | Home: 4.15%
Hong Leong Bank
High FD rates | Kadar FD tinggi
- ✓ Up to 3.0% FD
- ✓ HLB Connect app
- ✓ Pay&Save account
- ✓ FD: 3.00% | Home: 4.08%
Alliance Bank
Highest FD rates | Kadar FD tertinggi
- ✓ Up to 3.1% FD
- ✓ SavePlus up to 4%
- ✓ Low min deposit
- ✓ FD: 3.10% | Home: 4.20%
Car Buying Guide Malaysia 2026
Panduan Beli Kereta
New Car | Kereta Baru
2.4-2.6% p.a.
Interest Rate Range
- ✓ Lower interest rate
- ✓ Full warranty 3-5 years
- ✓ Latest safety features
- ✓ Higher resale value
- ✗ Higher price, more depreciation
Used Car | Kereta Terpakai
3.2-3.5% p.a.
Interest Rate Range
- ✓ Lower purchase price
- ✓ Less depreciation hit
- ✓ Can afford better model
- ✗ Higher interest rate
- ✗ May need repairs, no warranty
🚗 Popular Cars Malaysia 2026 | Kereta Popular
Perodua Myvi
RM46k-58k
Perodua Axia
RM22k-38k
Proton X50
RM86k-113k
Proton Saga
RM35k-45k
Honda City
RM75k-106k
Toyota Vios
RM89k-96k
💰 Monthly Installment Calculator | Kalkulator Ansuran Bulanan
RM50,000 loan
RM590
9 years @ 2.5%
RM70,000 loan
RM825
9 years @ 2.5%
RM100,000 loan
RM1,180
9 years @ 2.5%
RM150,000 loan
RM1,770
9 years @ 2.5%
💳Credit Card Interest Rates | Kadar Faedah Kad Kredit
⚠️ Credit Card Interest | Faedah Kad Kredit
15-18% p.a.
Standard credit card interest rate in Malaysia. Always pay full amount to avoid interest!
Kadar faedah standard kad kredit. Sentiasa bayar penuh untuk elak faedah!
✅ Balance Transfer | Pindahan Baki
0-6% p.a.
Many banks offer 0% balance transfer for 6-12 months. Good for consolidating debt.
Banyak bank tawar 0% pindahan baki untuk 6-12 bulan.
Best Credit Cards Malaysia 2026 | Kad Kredit Terbaik
🎓Education Loan Malaysia | Pinjaman Pendidikan
🏛️ PTPTN Loan | Pinjaman PTPTN
1% p.a.
- • Government education loan
- • For Malaysian citizens only
- • Repayment after graduation
- • Income-based repayment
🏦 Bank Education Loan
4-7% p.a.
- • For private/overseas education
- • CIMB, Maybank, RHB available
- • Covers tuition + living
- • Collateral may be required
❓Frequently Asked Questions | Soalan Lazim
What is OPR? | Apa itu OPR?▼
OPR adalah kadar faedah penanda aras BNM yang mempengaruhi semua kadar simpanan dan pinjaman.
What is Base Rate (BR)?▼
Kadar Asas adalah rujukan bank untuk harga pinjaman. Kadar pinjaman = BR + Spread.
Which bank has best FD rate?▼
Alliance Bank dan Hong Leong sering menawarkan kadar FD tertinggi. Semak kadar promosi dan e-FD.
Is ASB better than FD?▼
Ya, ASB biasanya 5% berbanding FD 2.5-3%. Tetapi ASB hanya untuk Bumiputera dan bebas cukai.
What is lock-in period?▼
Tempoh kunci 3-5 tahun. Refinance atau jual dalam tempoh ini perlu bayar penalti (2-3%).
How to get best loan rate?▼
Ada skor kredit baik, pendapatan stabil, DSR rendah, bandingkan bank, berunding.
What is flat rate vs effective rate for car loan?▼
Kadar tetap adalah kadar diiklankan (2.5%). Kadar berkesan adalah kadar sebenar (~4.7%).
Can I get car loan if rejected before?▼
Ya, tunggu 3-6 bulan, baiki CCRIS, kurangkan pinjaman sedia ada, cuba bank lain, pertimbangkan penjamin.
Which bank is best for car loan?▼
Public Bank (2.45%), Maybank (2.48%), Hong Leong (2.50%) tawarkan kadar terendah.
Can I settle car loan early?▼
Ya, anda boleh selesaikan awal dan dapat rebat faedah (Aturan 78). Biasanya penalti 2-3% dalam 1-2 tahun pertama.
How long is car loan approval?▼
Biasanya 1-3 hari bekerja untuk kelulusan, 3-5 hari untuk pembayaran. Public Bank terkenal paling cepat.
Quick Banking Tips Malaysia 2026
Petua Perbankan
💰 Maximize Your Savings
- ✓ Compare FD rates across banks
- ✓ Check e-FD and online-only rates (usually higher)
- ✓ Look for promotional rates
- ✓ Consider ASB if eligible (5% dividend)
- ✓ Split between different FD tenures
🏠 Get Better Loan Rates
- ✓ Maintain good credit score (CCRIS)
- ✓ Keep DSR below 70%
- ✓ Compare rates from 3+ banks
- ✓ Negotiate with your relationship bank
- ✓ Consider Islamic financing options
📖 Key Banking Terms | Istilah Penting
OPR
Overnight Policy Rate - BNM's benchmark rate (3.00%)
BR (Base Rate)
Each bank's lending reference rate
DSR
Debt Service Ratio - your debt vs income
CCRIS
Credit score system by BNM
Lock-in Period
Period where early settlement incurs penalty
Effective Rate
Actual interest rate (for car loans: ~1.85x flat rate)