🏦 Bank Interest Rates Malaysia 2026
Kadar Faedah Bank Malaysia | Complete Banking Guide
FD Rates, ASB Dividend, Savings, Home Loan, Personal Loan | Updated February 2026
📊OPR: 3.00%
📅February 2026
🏛️BNM Regulated
📊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
OPR ditetapkan oleh Bank Negara Malaysia dan mempengaruhi semua kadar faedah. | OPR is set by Bank Negara Malaysia and influences all interest rates.
📈Fixed Deposit (FD) Rates 2026 | Kadar Deposit Tetap
| Bank | 1M | 3M | 6M | 12M | Min |
|---|---|---|---|---|---|
| 🏦 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 |
* Rates may vary. Higher rates for larger deposits. Senior citizens may get +0.1-0.25% bonus.
💰Savings Account Rates | Kadar Akaun Simpanan
🏦 Maybank
0.25%
Basic Savings
MAE: Up to 2.5%
🏦 CIMB Bank
0.25%
Basic Savings
e-Saver: Up to 3.0%
🏦 Public Bank
0.30%
Basic Savings
e-Savings: Up to 2.58%
🏦 RHB Bank
0.25%
Basic Savings
High Yield: Up to 3.25%
🏦 Hong Leong
0.25%
Basic Savings
Pay&Save: Up to 3.0%
🏦 Alliance Bank
0.30%
Basic Savings
SavePlus: Up to 4.0%
🏛️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 |
* Effective rate = BR + Spread. Based on OPR 3.00%. First-time buyers may get better rates.
💳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 vs Used Car | Kereta Baru vs Terpakai
🚘 New Car | Kereta Baru
- ✓ Lower interest rate (2.4-2.6%)
- ✓ Full warranty 3-5 years
- ✓ Latest safety features
- ✓ Higher resale value
- ✗ Higher price, more depreciation
🚗 Used Car | Kereta Terpakai
- ✓ Lower purchase price
- ✓ Less depreciation hit
- ✓ Can afford better model
- ✗ Higher interest (3.2-3.5%)
- ✗ May need repairs, no warranty
Popular Cars Malaysia 2026 | Kereta Popular
Perodua MyviRM46k-58k
Perodua AxiaRM22k-38k
Proton X50RM86k-113k
Proton SagaRM35k-45k
Honda CityRM75k-106k
Toyota ViosRM89k-96k
Monthly Instalment 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
Cashback: Maybank 2 Gold (5%), CIMB Cash Rebate (5%)
Air Miles: CIMB Enrich, Maybank Amex Gold
Petrol: RHB Shell, CIMB Petronas
🎓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 (Overnight Policy Rate) is Bank Negara Malaysia's benchmark interest rate. It affects all deposit and loan rates. Current OPR is 3.00%.
OPR adalah kadar faedah penanda aras BNM yang mempengaruhi semua kadar simpanan dan pinjaman.
OPR adalah kadar faedah penanda aras BNM yang mempengaruhi semua kadar simpanan dan pinjaman.
What is Base Rate (BR)?▼
Base Rate is each bank's reference rate for pricing loans. Your loan rate = BR + Spread. BR typically follows OPR changes.
Kadar Asas adalah rujukan bank untuk harga pinjaman. Kadar pinjaman = BR + Spread.
Kadar Asas adalah rujukan bank untuk harga pinjaman. Kadar pinjaman = BR + Spread.
Which bank has best FD rate?▼
Alliance Bank and Hong Leong often offer highest FD rates (up to 3.1%). Check for promotional rates and e-FD which usually offer higher rates.
Alliance Bank dan Hong Leong sering menawarkan kadar FD tertinggi. Semak kadar promosi dan e-FD.
Alliance Bank dan Hong Leong sering menawarkan kadar FD tertinggi. Semak kadar promosi dan e-FD.
Is ASB better than FD?▼
Yes, ASB gives 5% vs FD's 2.5-3%. But ASB is only for Bumiputera and tax-free.
Ya, ASB biasanya 5% berbanding FD 2.5-3%. Tetapi ASB hanya untuk Bumiputera dan bebas cukai.
Ya, ASB biasanya 5% berbanding FD 2.5-3%. Tetapi ASB hanya untuk Bumiputera dan bebas cukai.
What is lock-in period?▼
Lock-in period is 3-5 years. Refinance or sell during this period incurs penalty (2-3% of loan amount).
Tempoh kunci 3-5 tahun. Refinance atau jual dalam tempoh ini perlu bayar penalti (2-3%).
Tempoh kunci 3-5 tahun. Refinance atau jual dalam tempoh ini perlu bayar penalti (2-3%).
How to get best loan rate?▼
Have good credit score (CCRIS), stable income, low DSR (< 70%), compare multiple banks, negotiate.
Ada skor kredit baik, pendapatan stabil, DSR rendah, bandingkan bank, berunding.
Ada skor kredit baik, pendapatan stabil, DSR rendah, bandingkan bank, berunding.
What is flat rate vs effective rate for car loan?▼
Flat rate is advertised rate (2.5%). Effective rate is actual rate (~4.7%). Formula: Effective ≈ Flat × 1.85. Always compare effective rates.
Kadar tetap adalah kadar diiklankan (2.5%). Kadar berkesan adalah kadar sebenar (~4.7%).
Kadar tetap adalah kadar diiklankan (2.5%). Kadar berkesan adalah kadar sebenar (~4.7%).
Can I get car loan if rejected before?▼
Yes, wait 3-6 months, improve CCRIS, reduce existing loans, try different bank, consider guarantor or higher down payment.
Ya, tunggu 3-6 bulan, baiki CCRIS, kurangkan pinjaman sedia ada, cuba bank lain, pertimbangkan penjamin.
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%) offer lowest rates. Compare based on your profile and existing relationship.
Public Bank (2.45%), Maybank (2.48%), Hong Leong (2.50%) tawarkan kadar terendah.
Public Bank (2.45%), Maybank (2.48%), Hong Leong (2.50%) tawarkan kadar terendah.
Can I settle car loan early?▼
Yes, you can settle early and get rebate on unearned interest (Rule of 78). Usually 2-3% penalty in first 1-2 years.
Ya, anda boleh selesaikan awal dan dapat rebat faedah (Aturan 78). Biasanya penalti 2-3% dalam 1-2 tahun pertama.
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?▼
Usually 1-3 working days for approval, 3-5 days for disbursement. Public Bank known for fastest approval. Online applications faster.
Biasanya 1-3 hari bekerja untuk kelulusan, 3-5 hari untuk pembayaran. Public Bank terkenal paling cepat.
Biasanya 1-3 hari bekerja untuk kelulusan, 3-5 hari untuk pembayaran. Public Bank terkenal paling cepat.
Complete Guide to Malaysian Bank Rates 2026 | Panduan Lengkap Kadar Bank Malaysia
Understanding Bank Interest Rates | Memahami Kadar Faedah Bank
Bank interest rates in Malaysia are influenced primarily by the Overnight Policy Rate (OPR) set by Bank Negara Malaysia. When OPR increases, both deposit rates (like FD) and lending rates (like home loans) typically increase. The current OPR of 3.00% means banks offer FD rates around 2.5-3.5% and home loan rates around 4.0-4.5%.
Kadar faedah bank di Malaysia dipengaruhi oleh Kadar Dasar Semalaman (OPR) yang ditetapkan oleh BNM. OPR semasa 3.00% bermakna bank menawarkan kadar FD sekitar 2.5-3.5% dan pinjaman rumah sekitar 4.0-4.5%.
Tips for Maximizing Returns | Petua Memaksimumkan Pulangan
For Deposits | Untuk Simpanan
- Compare FD rates across banks
- Check e-FD and online-only rates
- Look for promotional rates
- Consider ASB if eligible (5%)
- Split between FD tenures
For Loans | Untuk Pinjaman
- Maintain good credit score
- Keep DSR below 70%
- Compare rates from 3+ banks
- Negotiate with relationship bank
- Consider Islamic financing
Key Banking Terms | Istilah Perbankan Penting
- OPR - Overnight Policy Rate, BNM's benchmark rate
- BR - Base Rate, each bank's lending reference
- BLR - Base Lending Rate (old system, still used for some old loans)
- DSR - Debt Service Ratio, your debt vs income
- CCRIS - Credit score system by BNM
- Lock-in - Period where early settlement incurs penalty
🔍 Popular Bank Rate Searches | Carian Kadar Bank Popular
English Searches
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Carian Bahasa Malaysia
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- • kadar asas bank
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Car Loan Searches
- • car loan calculator malaysia
- • best car loan rate 2026
- • maybank car loan
- • public bank car loan
- • hire purchase rate
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- • pinjaman kereta terpakai
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Related Searches
- • base rate malaysia
- • bank negara opr
- • asb vs fd comparison
- • islamic banking rates
- • refinance home loan
- • ccris credit score
- • dsr calculator
- • best bank malaysia
- • epf withdrawal rate
- • gold savings account
🔗 Official Sources & Bank Links | Sumber Rasmi & Pautan Bank
🏛️Official Regulators
🏦Major Banks - FD Rates
🏠Home Loan Resources
⚠️ Note: Interest rates change frequently based on OPR. Always verify current rates directly with banks before making financial decisions. Rates shown are indicative and may vary based on deposit amount, tenure, and promotions.
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