SMS from OCBC: Enjoy 3.80% pa on 9-months FD by 31st March. Fresh fund required, min RM10k.
Is this good?
Fixed Deposit Rates in Malaysia V2, Read 1st post to find highest rate.
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 Feb 14 2012, 11:23 AM
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All Stars
26,520 posts Joined: Jan 2003 
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Mar 28 2012, 07:48 PM
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#2
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All Stars
26,520 posts Joined: Jan 2003
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The maturity date for one of my FD with CIMB is approaching.
1. What happens if i am only able to attend to it later than the maturity date? 2. If i choose to renew, it will then be based on the new rates, right ie sign a new document etc? Thanks  Added on March 28, 2012, 7:53 pmAlso, will be placing a new FD with bank rakyat, hoping for better rates  This post has been edited by Human Nature: Mar 28 2012, 07:53 PM |
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Mar 28 2012, 11:31 PM
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#3
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(guy3288 @ Mar 28 2012, 11:15 PM) the highest of all is still 4.7% at mbs, 5 years, 6 monthly int. that is No. 1 may i ask what is MBS?2nd is still BR., rest rank lowere down my list. fluctuate so what, it consistently gave me 4.0-4.6% last few years, even if at low(4.0), it is still higher than most others.  |
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Mar 31 2012, 01:16 PM
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#4
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(Beachkid @ Mar 31 2012, 11:12 AM) Hey, highest is still Amanah Saham at 5% right? Not considered FD. Refer here for amanah saham:http://forum.lowyat.net/topic/2256158 |
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Mar 31 2012, 01:20 PM
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#5
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All Stars
26,520 posts Joined: Jan 2003
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Does anyone know what is the difference for Bank Rakyat's Qiradh General Investment Account-i (Senior Citizen)?
http://www.bankrakyat.com.my/web/guest/127 Same rate as the normal one. |
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Apr 3 2012, 12:04 AM
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#6
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All Stars
26,520 posts Joined: Jan 2003
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Is there such thing that when you have certain large amount of fixed deposit, you will be taxed? ie. under C3 Faedah dan diskaun.
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Apr 4 2012, 05:27 PM
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#7
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(Alex @ Apr 4 2012, 04:48 PM) what is mean by "with CASA"??? CASA = Current Account and/or Saving Account |
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Apr 17 2012, 08:36 PM
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#8
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(magika @ Apr 17 2012, 10:43 AM) Bank Rakyat rates are all the same. The 3 diff fds are Hi, what do you mean by lower deposit for Warga Emas? There is a maximum amount that can be deposited?1. Qiradh - fluctuating interest 2. Mubeen - Fixed interest. 3. Warga Emas - Fixed int only diff lower deposit 1 month - 3.26 3mth - 3.65 6 mth - 3.75 9 mth 3.85 12 mth - 4.01 15 mth - 4.05 and so on.... just remember above 50 k single cert can ask extra 0.05 Also for the 0.05 extra, how do you go about it, just request from the bank officer at the counter? Thanks |
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Apr 23 2012, 12:49 AM
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#9
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(insaint708 @ Apr 23 2012, 12:23 AM) Is Bank Rakyat under PIDM protection? hi, it is not under PIDM protection |
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Apr 28 2012, 07:32 PM
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#10
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(magika @ Apr 17 2012, 10:43 AM) Bank Rakyat rates are all the same. The 3 diff fds are HI, I notice that Joint Account is listed under Mubeen, while none is listed for Warga Emas. My question is, can I open a Warga Emas Joint Account with my mom? I am not an old citizen, but she is. Thanks1. Qiradh - fluctuating interest 2. Mubeen - Fixed interest. 3. Warga Emas - Fixed int only diff lower deposit just remember above 50 k single cert can ask extra 0.05 |
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Apr 28 2012, 10:36 PM
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#11
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(magika @ Apr 28 2012, 10:00 PM) int rates are the same, only benefit is may be 1 or 2 k dep for warga emas but am i allowed to be a joint account holder? |
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May 2 2012, 01:32 PM
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#12
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(Human Nature @ Apr 28 2012, 07:32 PM) HI, I notice that Joint Account is listed under Mubeen, while none is listed for Warga Emas. My question is, can I open a Warga Emas Joint Account with my mom? I am not an old citizen, but she is. Thanks A follow up to my query. Got a reply from BR, the applicants for Joint Acc can be both or either one having the age of 45 and above. And an additional of 0.5% from current rates  |
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May 2 2012, 02:21 PM
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#13
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All Stars
26,520 posts Joined: Jan 2003
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Yeah, thats the reply that i got and i didnt even asked about the rates.
BR is kind to old citizens. They gave a pack of bird nest tonic (6 bottles) to their acc holders during CNY. This post has been edited by Human Nature: May 2 2012, 02:23 PM |
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May 2 2012, 04:03 PM
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#14
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All Stars
26,520 posts Joined: Jan 2003
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So i get outdated info from their staff
 I asked through the feedback system at their website and obtained a reply today through email. Will print it out and bring to the bank  |
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May 2 2012, 05:27 PM
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#15
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(magika @ May 2 2012, 04:20 PM) let us know whether it will work.. May a request a copy from u to try out maybe lucky will do  |
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May 4 2012, 05:06 PM
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#16
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All Stars
26,520 posts Joined: Jan 2003
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I transfered some fund For FD purpose using Banker's cheque and the bank staff said that it requires a few day to clear and I can only collect the FD certificate then. Time was around 3.30 pm. Is this the norm?
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May 4 2012, 06:09 PM
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#17
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(ronnie @ May 4 2012, 05:45 PM) Which bank is this? Require customer to come twice. The FD cert can be generated on the same day, validity is subject to cheque clearance. The start date should also be the same date you went. Bank Rakyat. The staff said that the starting date will be according to today's date, but I will check the cert on Tuesday to make sure it is correct.The only proof I have for the FD deposit is a normal deposit slip stating the amount, FD period and date. |
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May 4 2012, 08:05 PM
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#18
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(james66 @ May 4 2012, 07:29 PM) my budget is 20k AS1M should be under PND funds, no more FD:can i go for as1m http://forum.lowyat.net/topic/2256158 |
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May 6 2012, 04:07 PM
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#19
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(raptar_eric @ May 6 2012, 03:50 PM) why is maybank offering so low FD rates as compared to other banks? the last time they revised it is last year may =/ still no new rates from them yeah, CIMB too zzzzzzz |
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May 24 2012, 01:04 PM
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#20
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All Stars
26,520 posts Joined: Jan 2003
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Refering to the AmBank promo, stated:
QUOTE The additional of 0.10%p.a and RM 50 cash reward are subjected to a minimum spending of RM350.00 for Gold Card and RM500.00 for Signature and Platinum Cards within two (2) months from the card’s approval date. For RM50,000 deposit, the 0.10% p.a. difference gives RM50 extra. Considering that need to spend RM350 or RM500 using the CC just to get this RM50 extra, looks like not worth it to go for the extra 0.10% right?This post has been edited by Human Nature: May 24 2012, 01:31 PM |
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