• Unfixed Deposit

CIMB Unfixed Deposit™ gives you the flexibility to make partial withdrawals while your balance continues to enjoy these great rates:

Earn higher returns on your savings

Lock your money with our Unfixed Deposit.

A choice of terms from 1 - 60 months

Save a fixed amount of money in Ringgit for a fixed period at a fixed interest rate.

Additional Features

Interest is paid upon maturity. Interim interest is paid every 6 months for tenures above 12 months. Withdrawal is allowed with a minimum of RM1,000 and in multiples of RM1,000 under the same account number.

A minimum of RM1,000 needs to be maintained except for one month Unfixed DepositTM palacement.

Upliftment/Withdrawal before maturity is allowed but amount uplifted/withdrawn will be subjected to the following conditions :

  1. For FD placement/renewal from 1 November 2018 onwards : For full and partial withdrawal of FD of any tenure before completion of its tenure, no interest will be paid for the withdrawn amount. For partial withdrawal, upon completion of the tenure, interest based on contracted rate is payable for the amount that is not withdrawn.
  2. For FD placements/renewals prior to 1 November 2018 :
  • For FD of 1 month, 2 months or 3 months tenure that is fully or partially withdrawn before the completion of its tenure, no interest will be paid for the withdrawn amount. For partial withdrawal, interest on the contracted rate is payable for the amount that is not withdrawan;
  • For FD of 4 months and above that is fully or partially withdrawn before the completion of 3 months, no interest will be paid for the withdrawn amount. For partial withdrawal, interest on the contracted rate is payable for the amount that is not withdrawn.
  • For FD of 4 months and above that is fully or partially withdrawn after the completion of 3 months, interest of half of the contracted rate for each completed month of the withdrawn amount is payable on the withdrawn amount. For partial withdrawal, interest on the contracted rate is payable for the amount that is not withdrawn.

 

Terms and Conditions:


Eligible for PIDM protection
. To view PIDM's brochure, click here.

  • Individuals aged 18 years and above who are either residents or non-residents
  • Business enterprises operating in Malaysia
  • Joint account is allowed
  • Executors or administrators
  • Minimum initial deposit of RM5,000 for 1 month
  • Minimum initial deposit of RM1,000 for 2 months and above

Interest Rates

Unfixed DepositTM

Tier 1 and Tier 2 (Effective from 15 May 2019)

 

                               Conventional FD* (Tier 1) Conventional FD* (Tier 2)

Tenure

Board Rate (p.a.)

Board Rate (p.a.)

1 month

2.95%

2.70%

2 months

2.95%

2.90%

3 months

3.00%

2.95%

4 months

3.00%

2.95%

5 months

3.00%

2.95%

6 months

3.05%

3.00%

7 months

3.05%

3.00%

8 months

3.05%

3.00%

9 months

3.05%

3.00%

10 months

3.05%

3.00%

11 months

3.05%

3.00%

12 months

3.10%

3.00%

13-14 months

3.10%

3.00%

15-23 months

3.10%

3.00%

24-35 months

3.10%

3.00%

36-47 months

3.20%

3.10%

48-59 months

3.30%

3.20%

60 months

3.40%

3.30%

 

Products/Items Charges
Reproduction of Statements for Fixed Deposit Account for period up to 1 year RM10.00 (upfront)
RM2.00 (additional page)
Reproduction of Statements for Fixed Deposit Account for period exceeding 1 year RM30.00 (upfront)
RM2.00 (additional page)
Withdrawal of FD; to be credited to customer's account at branches within the same clearing zone No charge
Withdrawal of FD; to be credited to customer's account at Branches not within the same clearing zone No commission
Withdrawal via Banker’s Cheque RM0.15 on stamp duty charges
Fixed Deposits under Lien (charged only once if renewal/placement is for the same purpose  the FD was assigned) RM15.00 per receipt
Contact Us
mybusinesscare@cimb.com

1300 888 828