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Unfixed Deposit/Fixed Deposit-i

Deposit money securely with competitive interest/profit rates and flexible placement tenures to earn higher returns on your savings.

Unfixed Deposit

Features

  • Higher Returns

    Attractive interest rates.

  • Flexible Tenure

    Choice of terms from

    1 – 60 months.

  • Withdrawal Options

    Minimum of RM1,000

    in multiples of

    RM1,000.

Eligibility

  • Business enterprises operating in Malaysia.

  • Minimum initial deposit of RM5,000 for 1 month.

  • Minimum initial deposit of RM1,000 for 2 months and above.

Interest Rates

Tier 1 (Effective 15 May 2019)

Tier 2 (Effective 15 May 2019)

Tenure
(Month)

Board Rate
(Per Annum)

1 - 2

2.95%

3 - 5

3.00%

6 - 11

3.05%

12 - 35

3.10%

36 - 47

3.20%

48 - 59

3.30%

60

3.40%

Tenure
(Month)

Board Rate
(Per Annum)

1

2.70%

2

2.90%

3 - 5

2.95%

6 - 35

3.00%

36 - 47

3.10%

48 - 59

3.20%

60

3.30%

Interest Payments on Upliftment / Withdrawal before maturity

Upliftment / Withdrawal before maturity is allowed but amount uplifted/withdrawn will be subjected to the following conditions:

 

  • 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For full and partial withdrawal of FD of any tenure before completion of its tenure, no interest will be paid for the withdrawn amount.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withdrawal, upon completion of the tenure, interest based on contracted rate is payable for the amount that is not withdrawn.

  • For FD placements/renewals prior to 1 November 2018:

    i. For FD of 1 month, 2 months or 3 months tenure that is fully or partially withdrawn before the completion of its tenure, no interest will be paid for the withdrawn amount. For partial withdrawal, interest on the contracted rate is payable for the amount that is not withdrawn;

    ii. For FD of 4 months and above that is fully or partially withdrawn before the completion of 3 months, no interest will be paid for the withdrawn amount. For partial withdrawal, interest on the contracted rate is payable for the amount that is not withdrawn.

    iii. For FD of 4 months and above that is fully or partially withdrawn after the completion of 3 months, interest of half of the contracted rate for each completed month of the withdrawn amount is payable on the withdrawn amount. For partial withdrawal, interest on the contracted rate is payable for the amount that is not withdrawn.

Fees and Charges

TYPES OF CHARGES CHARGES

Reproduction of Statements for

Unfixed DepositTM Account for

period up to 1 year

RM10 (upfront)

RM2 (additional page)

Reproduction of Statements for Unfixed DepositTM Account for period exceeding 1 year

RM30 (upfront)

RM2 (additional page)

DepositTM Account for

period exceeding 1 year

No Commission

Withdrawal of Unfixed DepositTM; to be

credited to customer's account at branches

within the same clearing zone

No Charge

Withdrawal of Unfixed DepositTM; 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

Unfixed DepositTM under Lien

(charged only once if renewal/placement

is for the same purpose the FD was assigned)

RM15 per receipt

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

*Terms and conditions apply.

Fixed Return Income Account-i (FRIA-i) - Maturity Returns

Features

  • Highest Profit Rate

    for each deposit tenure.

  • Flexible Tenure

    Choice of terms from

    1 – 60 months.

  • Interim profit is paid

    every 6 months for

    tenures above 12 months.

Eligibility

  • Business enterprises operating in Malaysia.

  • Minimum initial deposit of RM5,000 for 1 month.

  • Minimum initial deposit of RM1,000 for 2 months and above.

Profit Rates

Fixed Return Income Account-i (FRIA-i) – Maturity Returns

Tenure
(Month)

Board Rate
(Per Annum)

1

2.95%

2

2.95%

3

3.00%

4

3.00%

5

3.00%

6

3.05%

7

3.05%

8

3.05%

9

3.05%

10

3.05%

11

3.05%

12-14

3.10%

15-17

3.10%

18-23

3.10%

24-35

3.10%

36-47

3.20%

48-59

3.30%

60

3.40%

Fees and Charges

TYPES OF CHARGES CHARGES

Reproduction of Statements for

Fixed Return Income Account-i

for period up to 1 year

RM10 (upfront)

RM2 (additional page)

Reproduction of Statements for Fixed Return Income Account-i 

for period exceeding 1 year

RM30 (upfront)

RM2 (additional page)

Withdrawal of 

Fixed Return Income Account-i;

payment by Issuance of Local Demand Draft

No Commission

Withdrawal of

Fixed Return Income Account-i; to be

credited to customer's account at branches

within the same clearing zone

No Charge

Withdrawal of

Fixed Return Income Account-i; 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 Return Income Account-i (FRIA-i) under Lien

(charged only once if renewal/placement

is for the same purpose the FRIA-i was assigned)

RM15 per receipt

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

*Terms and conditions apply.

Fixed Return Income Account-i (FRIA-i) - Monthly Returns

Features

  • Highest Profit Rate

    for each deposit tenure.

  • Deposit Duration Options

    Choice of terms from

    12 – 60 months.

  • Monthly Profit Payments

    Can be made via fund

    transfer to any

    CIMB Islamic Bank

    Savings or

    Current Account-i.

Eligibility

  • Business enterprises operating in Malaysia.

  • Minimum deposit placement of RM10,000

    for a short tenure of 1,2, or 3 months,

    with deposit increments in multiples of RM1,000.

Profit Rates

Fixed Return Income Account-i (FRIA-i) – Monthly Returns

Tenure

Board Rate

12- 14 month

3.10%

15- 17 month

3.10%

18- 20 month

3.10%

21-23 month

3.10%

24-35 month

3.10%

36-47 month

3.20%

48-59 month

3.30%

60-month

3.40%

Fees and Charges

TYPES OF CHARGES CHARGES

Reproduction of Statements for

Fixed Return Income Account-i

for period up to 1 year

RM10 (upfront)

RM2 (additional page)

Reproduction of Statements for Fixed Return Income Account-i 

for period exceeding 1 year

RM30 (upfront)

RM2 (additional page)

Withdrawal of 

Fixed Return Income Account-i;

payment by Issuance of Local Demand Draft

No Commission

Withdrawal of

Fixed Return Income Account-i; to be

credited to customer's account at branches

within the same clearing zone

No Charge

Withdrawal of

Fixed Return Income Account-i; 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 Return Income Account-i (FRIA-i) under Lien

(charged only once if renewal/placement

is for the same purpose the FRIA-i was assigned)

RM15 per receipt

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

*Terms and conditions apply.