Fixed Deposit
The Ideal Fixed Deposits?
It's Right Here.
Enjoy higher interest rates, flexi tenure and complete peace of mind with our fixed deposits.
SHOW ME MORE
Create financial security for yourself in your golden years. Take advantage of the security of fixed and higher returns.
Benefits
- Attractive profit rates.
- Flexible tenure options ranging from 1 to 60 months.
- View your fixed deposit online with allianceonline banking services.
Note:
Protected by PIDM up to RM250,000 for each depositor. View PIDM brochure in your preferred language here.
Please note that with effect from 1 January 2019, no interest shall be paid for premature withdrawal/upliftment of the Fixed Deposit that is placed or renewed prior to and or from 1 January 2018. The same applies to e-Fixed Deposit or e-Alliance FD Gold opened through allianceonline.Eligibility
WHO CAN APPLY?
- 18-year-olds and older.
- Those under the age of 18 accompanied by a parent/guardian.
- Accounts can be opened by Corporations, partnerships, sole proprietors, societies, associations, clubs, government bodies, and trustees.
- The minimum placement amount for a 1-month tenure is RM5,000, while for tenures above 1 month, it is RM500.
Interest Rates
| Tenure (Months) | Counter Rate (% p.a.) | 2nd Tier Rate (% p.a.) (for Individual) |
2nd Tier Rate (% p.a.) (for non Individual) |
|---|---|---|---|
| 1 | 2.10 | 1.90 | 1.90 |
| 2 | 2.20 | 2.00 | 2.00 |
| 3 | 2.30 | 2.10 | 2.10 |
| 4 - 5 | 2.35 | 2.15 | 2.15 |
| 6 - 11 | 2.40 | 2.20 | 2.20 |
| 12 | 2.45 | 2.25 | 2.25 |
| > 12 | 2.45 | 2.25 | 2.25 |
| Above 24 months | Negotiable | Negotiable | Negotiable |
Effective date: 15 July 2025
Note:
2nd Tier rate is applicable to: (1). Non-resident individuals, (2). Non-individual entities, like SME or Corporations or Business Enterprises who make a FD placement above RM1.0 million. Otherwise, counter rate applies.
More Information
FAQs about Alliance Bank’s Fixed Deposit Account
You can visit any Alliance Bank branch near you, or conveniently complete the process online via allianceonline or the allianceonline mobile app.
Absolutely! Just download the allianceonline mobile app and you can easily apply for an online fixed deposit account—quick and convenient, right at your fingertips.
Your Fixed Deposit Account will earn interest at the contracted rate and interest will be calculated daily. The interest will be credited to your account with the Bank or you may choose to rollover the interest together with the principal amount. For tenures between 1 to 12 months, interest is paid at maturity. For tenures longer than 12 months, interest is paid every 6 months.
Starting from 1 January 2019, no interest will be paid for any premature withdrawal/upliftment of Fixed Deposits placed or renewed on or after 1 January 2018. This also applies to Fixed Deposit and Alliance FD Gold accounts opened via allianceonline.
You’ll need to withdraw it via allianceonline or through bank branch. If no instructions are given, the Bank may automatically renew it for the same term at the prevailing interest rate.
Interest rates vary depending on the tenure you choose, and you can find the latest rates in the interest rate table above. You can place a Fixed Deposit for terms ranging from 1 to 60 months. For a 1-month placement, the minimum amount is RM5,000. For placements of 2 months or longer, the minimum is RM500.
You can easily view your Fixed Deposit placements and account details anytime through allianceonline.
No physical Fixed Deposit certificate or receipt will be issued. Everything is handled digitally for your convenience.
Yes, you can open and manage more than one Fixed Deposit account.
Can't find what you're looking for?
Leave your details and we'll call at a time that works for you.
