Yup, agreed. I guess I will also do the same.

Finally got the RM300 cashback from SCB May CASA promo campaign

Good luck guys!

Too bad - looking for something with shorter tenure (1 mth) in Oct.



This post has been edited by 1282009: Sep 2 2012, 12:01 PM

Received the 3% interest from OCBC combo promo saving a/c end of Aug .. need to remember to top up mid of the month to continue qualify the same

"3 mth FD 3.95%, max 10k, 1k in saving account till 31 oct."

Sound doable? - quite similar to the concept of OCBC 3 month promo..

there are so many amounts there. whats d min amt to open for 3 mth tenure?

Thanks

My OCBC FD is expiring before month end. So now the best 3-month FD is HLB (3.95%) based on 1st page summary (not including OCBC since they need FRESH fund). Correct me if I'm wrong.

Thanks for the tips. Can we use personal cheque to open FD? I thought they accept banker's cheque only? What do u mean by "renewed through rentals"?

Thanks. In that case, I will use personal cheque
Btw, it will be a Friday so I hope it wont cause any complication in terms of cheque clearing.



This post has been edited by 1282009: Oct 21 2012, 09:09 AM

Anyone knows if UOB 3 mth FD tenure of 3.65% is still effective in Nov?

Interesting..

Ah, <3.616% is not really high. Rather go for conventional type like UxB though slightly lower.

Mine is worse I think. I opened another combo FD in OCBC (1st is 4.50% n 2nd is 4.00%). So my smartsaver is accumulation of 2 FD combos n can't make the withdrawal till the 2nd FD is matured in order to get the max 3.00%

Quite a few banks open on sunday eg. OCBC n AmBank in Damansara Uptown (except if the Sat is a public holiday or it's a first Sunday of the month).



This post has been edited by 1282009: Dec 8 2012, 08:49 PM

U must have huge sum of FD

Hi guys, I received a RM10 "BULK CREDIT" in my OCBC smart savers (part of FD combo). Anyone knows what's that for?



This post has been edited by 1282009: Jan 1 2013, 06:41 PM

[quote=magika,Jan 1 2013, 05:44 PM]
[quote=Gen-X,Jan 1 2013, 01:55 AM]
Thank for the update Bro.

Like I speculated, OCBC's promo rates would at least match UOB's.
Based on 4.5% with ratio of 2:1 as reported by gsc, I work out the effective interest rate ranges from 3.8% to 3.9667% with Smart Savers (2.4% to 2.9%). Pretty good if deposit RM1K into SS every month.

But to note, the effective interest rate reduces every single day (starting from beginning of the month) since the SS interest rate drops to 0.5% with a single withdrawal. So in order to get the maximum effective interest rate, the deposit should be on 1st of every month (and take note on the clause on the savings portion when withdrawing, e.g. maintain for 90 days or 3 months since February only has 28 days).

Happy New Year 2013

[/quote

Bro, I redo my calculation, if not wrong then Bonus Saver is better than Combo ?

[/quote]

Interesting. Too bad my yr 2012 combos will only end in Jan and Feb 2013, respectively. I need to hold on till Feb or else the amount in smart saver a/c will need to be accumulated again (without withdrawal) with the new 2013 combo.

So means the new package aka bonus saver is slightly better. I will stick with OCBC in that case for another 3 month tenure

Read thru past few pages. Seems majority are talking abt HLB FD promo. Any good ones for 3 or 6 months tenure besides HLB and OCBC?



This post has been edited by 1282009: Jan 23 2013, 07:40 PM