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 Fixed Deposit Rates in Malaysia V3, Read 1st post to find highest rate.

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jacklew77
post Jan 1 2013, 10:50 AM

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QUOTE(wu ming @ Jan 1 2013, 09:30 AM)
What is the fastest and cheapest way to transfer RM30k lets say from UOB Bank to CIMB Bank? Other than physical cash transaction? Thanks.
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IGB transfer at counter.
jacklew77
post Jan 2 2013, 11:46 AM

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QUOTE(bearbear @ Jan 2 2013, 11:34 AM)
The interest rate for Plus SA is next to negligible

http://www.pbebank.com/en/en_content/perso...rates.html#wise
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if the plus SA interest is negligible, then the effective rate for the 6-month promotion is only 3.29%.
jacklew77
post Jan 2 2013, 03:41 PM

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QUOTE(BoomChaCha @ Jan 2 2013, 11:42 AM)
Okay, Thank you.
Just received a SMS from a RM in OCBC this morning:

OCBC Latest FD Promo until March 2013:

(1) 6 months FD:
     3.8% p.a. for first 3 months, will rollover to next 3 months at board rate of 2.85% p.a.
     (3.8% x 3) + (2.85% x 3) = 11.4% + 8.55% = 19.95% / 6 = 3.325% p.a. Effective Rate
     - fresh fund is not required
(2) 4.5% p.a. for 3 months - additional 50% of FD placement amount needs to place in CASA
     - fresh fund required

(3) Islamic 3.5% p.a. for 3 months pure FD
     - fresh fund required
Minimum RM 5000, maximum RM 1 million. Terms & Conditions apply
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The Affin bank's 4-month @3.55% effective rate looks a better deal...

Added on January 2, 2013, 3:54 pmbut that's for smaller amount. For big amount like RM 200k above, the OCBC combo deal still a better one !

This post has been edited by jacklew77: Jan 2 2013, 03:54 PM
jacklew77
post Jan 2 2013, 05:14 PM

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QUOTE(MGM @ Jan 2 2013, 05:12 PM)
OCBC Bonus Savers  offers >3.7%, how can it be worse than the 3.55%?

Added on January 2, 2013, 5:13 pm
There is no free gift, only on investment products.
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i mean the FD promotion, NOT the Combo/bonus promotion :-)
jacklew77
post Jan 3 2013, 10:35 AM

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QUOTE(BoomChaCha @ Jan 2 2013, 08:28 PM)
Is this Affin FD promo 3.63% for 4 months still available?
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ended on Dec 31 2012.

This post has been edited by jacklew77: Jan 3 2013, 10:36 AM
jacklew77
post Jan 4 2013, 04:22 PM

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QUOTE(mlyuki @ Jan 4 2013, 04:09 PM)
anyone know the latest FD promotion from Affin? I couldn't find any info from the website...
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no latest FD promotion yet. But they are launching a new saving promotion...
jacklew77
post Jan 6 2013, 12:24 AM

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QUOTE(AVFAN @ Jan 5 2013, 06:42 PM)
right... sounds so good but it's not...!

last resort, may take it. 3.3% p.a. for pbb is really not bad given what they have been offering all this time!

anyway, i'm looking for 6-12m deposits with 3.5% p.a., gave up on higher.

not interested in non-pidm.

and those with few branches becos... driving and tolls cost a bit $ and time. tongue.gif
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Uob 9-mth @3.65%. Affin 12-mth @3.6%. I m sticking to affin becoz their bank less people, most time no need to queue. And near to my office, lots of parking. Penang bayan baru branch.
jacklew77
post Jan 6 2013, 08:52 AM

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QUOTE(AVFAN @ Jan 6 2013, 04:52 AM)
thought i read that in this thread some days ago, but can't find it... not on uob website too...

for priority customers, any min amt, other conditions? thanks.
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Min 10k. Thats it.
jacklew77
post Jan 7 2013, 11:36 PM

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QUOTE(Pink Spider @ Jan 7 2013, 09:56 PM)
Now this is interesting drool.gif

» Click to show Spoiler - click again to hide... «


http://www.ambankgroup.com/en/Promotions/D.../Pages/eFD.aspx

T&C
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Need to find out the existing rate first. If 12-mth rate @3.4%, then the effective only @ 3.6%, upon uplift the extra rate is void, not flexible.
jacklew77
post Jan 7 2013, 11:39 PM

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The marc promotion looks a good deal as it is under pidm ad well. May visit the office to open an account first.
jacklew77
post Jan 7 2013, 11:57 PM

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QUOTE(David83 @ Jan 7 2013, 11:50 PM)
There's no MACH branch in Penang island. doh.gif
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Yeah too bad. Just found out that the branch only available in kl selangor.
jacklew77
post Jan 15 2013, 03:20 PM

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QUOTE(WHITE APPLE @ Jan 15 2013, 01:53 PM)
May I know what bank provides the highest rate for 1-3 months FD? And also what is the T&C?
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UOB 3-month @ 3.5%. Check their website.
jacklew77
post Jan 15 2013, 03:38 PM

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QUOTE(frank76 @ Jan 15 2013, 11:51 AM)
Just now some officer from Ambank bandar puteri branch call me saying they are having a FD promo,
min 100K, 3.8% pa for 12 mth.
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This is second best after the mach fd. Good for people outside kl. Min rm100k, i need to wait till may 2013 then only will have 100k. Hope the promotion still valid then.
jacklew77
post Jan 21 2013, 03:02 PM

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QUOTE(AVFAN @ Jan 21 2013, 02:36 PM)
just did this...

w/o considering what one does with the portion after the earmarked period is over: since 1st 4 months effective rate is about 3.5%, average that with the last 8 months for 4.18%, it's about 3.95% p.a.

note it is not "20%" in casa but "another 20%". i.e. this portion is 16.7% of total deposit.

hlb's other stepup promo is not as good.
uob 9 months is 3.65% p.a. was told they can offer 3.7% for large amounts for non priority customers, if you put for 12 months, not 9 months.
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If the 20% CASA is in Junior Saving Account (2.9%p.a), the effective rate for 12 months is 3.97%. Considered GOOD in view of under PIDM.
jacklew77
post Jan 21 2013, 05:46 PM

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QUOTE(AVFAN @ Jan 21 2013, 04:56 PM)
yep, good enough, happy enough.

may put more soon!
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Will visit hong leong to open the junior saving account this week and enroll the fd when my other fd mature at end of this month.
jacklew77
post Jan 22 2013, 04:52 PM

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QUOTE(jacklew77 @ Jan 21 2013, 05:46 PM)
Will visit hong leong to open the junior saving account this week and enroll the fd when my other fd mature at end of this month.
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Opened the Junior Saving account during lunch time. But the Junior saving Account doesn't comes along with ATM/Debit card, that's mean NO Online Banking (Need ATM card to activate the online banking). Solution, OPENED another basic saving account which comes with a debit card.

Teller ask: New to hong leong bank? YES
Teller ask: No banking experience with hong leong before? NO
Teller ask: Car loan, housing loan???? NO

The teller doesn't looks believe that ONES with no banking experience with hong leong bank before......I told her that it is the FD deal that drag me into hong leong bank.....she laugh !! rclxms.gif
jacklew77
post Jan 22 2013, 05:40 PM

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QUOTE(natzakaria @ Jan 22 2013, 05:13 PM)
So you had to open 2 accounts?
Whats the deal with Hong Leong FD anyways?
Good rates?
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Actually just need one account but i want to use their online banking. Thats fine for 2 accounts. their 4.18% fd with 20% in casa. See previous thread. Effective rate at 3.9%.
jacklew77
post Jan 22 2013, 05:42 PM

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QUOTE(avatar123 @ Jan 22 2013, 05:15 PM)
What is the minimum amount required for junior account? I want to open for my daughter smile.gif
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Only RM1 for junior savibg acc opening. But i put in rm200 as a start.
jacklew77
post Jan 22 2013, 07:29 PM

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QUOTE(natzakaria @ Jan 22 2013, 05:42 PM)
Thanks Jack
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No pro. Hope u get ur right fd deal then.
jacklew77
post Jan 23 2013, 03:27 PM

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QUOTE(avatar123 @ Jan 23 2013, 01:11 PM)
Done open a saving a/c for my kid at Hong Leong bank. Teller say only 1 withdraw is allowed per month else rm2 will be charge for each subsequent withdrawal.
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i just opened another 2 junior savings accounts for my kids during lunch time today. All done within 15 minutes. Good Job HLB.
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