Plan around your savings.
Choose a placement of 3 to 7 years and receive interest at your chosen intervals. At maturity, your placement renews at the prevailing rate unless you request withdrawal.
Explore the simulatorSAVINGS & INVESTMENTS
Plan your future.
Know your returns.
Explore member schemes, compare flat-rate returns and choose a payment schedule that works for you.
PEOPLE.
PURPOSE.
PROGRESS.
PURPOSE.
PROGRESS.
INVESTMENT SIMULATOR
A clearer view of your returns.
Compare interest earned and see exactly when your capital comes back to you.
PUBLISHED SCHEME RATES
Annual flat rates on your original investment.
Investment placements start at 36 months. Agreements of 36 months or less remain locked for their full term. For 48, 60, 72 or 84-month agreements, withdrawal notice can be submitted only after completing 36 months. At least six months’ notice is required before withdrawal payment, subject to the agreement’s conditions, applicable adjustments and KGMB review. Scheduled interest and principal payments continue as agreed.
Participate in the cooperative.
Support the cooperative’s activities and receive your principal plus flat-rate interest in equal payments at your chosen intervals.
Compare an estimateCash Deposit Scheme — full scheme information
Cash Deposit Scheme allows eligible members to place funds for a selected term. Interest is calculated at the published annual flat rate on the original principal. Interest may be received monthly, quarterly, half yearly, yearly or at maturity; principal is repaid at maturity when withdrawal is requested.
Investment placements start at 36 months. Agreements of 36 months or less remain locked for their full term. For 48, 60, 72 or 84-month agreements, withdrawal notice can be submitted only after completing 36 months. At least six months’ notice is required before withdrawal payment, subject to the agreement’s conditions, applicable adjustments and KGMB review. Scheduled interest and principal payments continue as agreed.
The scheme’s placement range is RM10,000 to RM200,000, subject to the member’s paid-up funds and applicable eligibility rules.
The schemes are for active KGMB members with at least RM1,000 in share capital and the applicable RM100 monthly share/subscription contribution. Contact the Investment Department to confirm eligibility and the placement limit that applies to you.
Scheme features
Eligible members may apply for a collateral loan of up to 90% of the deposit value, subject to the loan facility’s terms and approval.
Loan amounts, rates, eligibility, security and repayment terms depend on the facility and your application. Please contact KGMB’s Credit Division for clarification before applying.
At maturity, your Cash Deposit Scheme placement renews at the prevailing rate unless you request withdrawal. Contact the Investment Department for withdrawal instructions.
Use the Coop-Care Login Portal to view the member account facilities available to you.
Read the official form and scheme terms before applying. The Investment Department can guide you on payments, renewals and withdrawal requests for your chosen placement.
Contact the Investment DepartmentBorrowings from Members — full scheme information
In Borrowings from Members, the member lends funds to KGMB to support its activities. Flat interest is calculated on the original amount. For regular payment schedules, principal and interest are repaid together in equal instalments, with a rounding adjustment in the final payment. If maturity payment is selected, the principal and interest are repaid together at the end.
Investment placements start at 36 months. Agreements of 36 months or less remain locked for their full term. For 48, 60, 72 or 84-month agreements, withdrawal notice can be submitted only after completing 36 months. At least six months’ notice is required before withdrawal payment, subject to the agreement’s conditions, applicable adjustments and KGMB review. Scheduled interest and principal payments continue as agreed.
The schemes are for active KGMB members with at least RM1,000 in share capital and the applicable RM100 monthly share/subscription contribution. Contact the Investment Department to confirm eligibility and the placement limit that applies to you.
Scheme features
Eligible members may apply for a collateral loan of up to 80% of the outstanding placement value, subject to the loan facility’s terms and approval.
Loan amounts, rates, eligibility, security and repayment terms depend on the facility and your application. Please contact KGMB’s Credit Division for clarification before applying.
Use the Coop-Care Login Portal to view the member account facilities available to you.
Read the official form and scheme terms before applying. The Investment Department can guide you on payments, renewals and withdrawal requests for your chosen placement.
Contact the Investment DepartmentMore ways to save
Savings for different stages of life.
Child Savings Scheme
Build a child’s savings with 4% annual interest. Minimum monthly contribution: RM50.
Child Savings information
Savings benefits are subject to the applicable scheme terms.
Members who are parents or grandparents can contribute to a child’s savings, with 4% annual interest. The monthly minimum is RM50. Applications are handled at KGMB branches.
Contact the membership team about eligibility, insurance benefits and withdrawal terms before joining the scheme.
If the form you need is not listed, request it through General Enquiry / Feedback.
Special Savings Scheme
Skim Simpanan Khas offers a 6% annual return, calculated on the average daily closing balance. Members may make withdrawals, subject to the scheme’s terms.
Special Savings information
Contact KGMB for the applicable savings terms.
Skim Simpanan Khas offers a 6% annual return, calculated on the average daily closing balance. Members may make withdrawals, subject to the scheme’s terms.
Apply at the head office or a branch. Members can ask about contributions by direct debit, bank transfer or cash at the counter.
If the form you need is not listed, request it through General Enquiry / Feedback.
Before you decide
Investment questions.
Who can apply for an investment scheme?
The schemes are for active KGMB members with at least RM1,000 in share capital and the applicable RM100 monthly share/subscription contribution. Contact the Investment Department to confirm eligibility and the placement limit that applies to you.
Which investment schemes are available?
- Cash Deposit Scheme
- Borrowings from Members
How do I submit an investment application?
Download the Cash Deposit Scheme or Borrowings from Members form from Forms & Downloads. Complete the fillable PDF, save it, then print and sign. Confirm the required supporting documents with the Investment Department. On Contact Us, select that you are an existing member, complete the consent and identity fields, and choose Investment Department to send your signed PDF.
Read the official form and scheme terms before applying. The Investment Department can guide you on payments, renewals and withdrawal requests for your chosen placement.
If the form you need is not listed, request it through General Enquiry / Feedback.
What happens if I withdraw before maturity?
For withdrawal before the agreed maturity date, interest is recalculated at a reduced rate based on an individual assessment. Any overpaid interest is deducted from principal. A penalty of 10% of the total interest already paid also applies. These conditions apply to both Cash Deposit Scheme and Borrowings from Members.
The Investment Department can provide your settlement calculation and explain the applicable terms before you proceed with a withdrawal.
Contact the Investment DepartmentWhere can I find the current savings terms?
The Child Savings Scheme offers 4% annual interest. Skim Simpanan Khas offers a 6% annual return based on the average daily closing balance, with withdrawals subject to scheme terms. Contact the membership team for eligibility and application information.
If the form you need is not listed, request it through General Enquiry / Feedback.