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

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BoomChaCha
post Feb 5 2013, 05:02 PM

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QUOTE(Human Nature @ Feb 5 2013, 05:00 PM)
No la..he said he gonna be MIA for 1 months. he will probably appear during CNY with 888888 stuffs  tongue.gif
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What is MIA?

Who are 888888 stuffs? Can I join?


Human Nature
post Feb 5 2013, 05:05 PM

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QUOTE(BoomChaCha @ Feb 5 2013, 05:02 PM)
What is MIA?

Who are 888888 stuffs? Can I join?
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Missing In Action biggrin.gif

88888 stuffs meaning anything to do with prosperity and lucky..CNY mah
BoomChaCha
post Feb 5 2013, 05:08 PM

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QUOTE(Human Nature @ Feb 5 2013, 05:05 PM)
Missing In Action  biggrin.gif

88888 stuffs meaning anything to do with prosperity and lucky..CNY mah
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I got a shock when you said MIA, because I thought it was MCA.. biggrin.gif

Do you have any news from him??


Human Nature
post Feb 5 2013, 05:09 PM

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QUOTE(BoomChaCha @ Feb 5 2013, 05:08 PM)
I got a shock when you said MIA, because I thought it was MCA..  biggrin.gif
Do you have any news from him??
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hehe no news here too
BoomChaCha
post Feb 5 2013, 05:26 PM

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QUOTE(Human Nature @ Feb 5 2013, 05:00 PM)
No la..he said he gonna be MIA for 1 months. he will probably appear during CNY with 888888 stuffs  tongue.gif
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At first I thought you said Captain would help MCA for 1 month for this election..? sweat.gif
My high blood pressure suddenly increase..... now back to normal...




bbgoat
post Feb 5 2013, 06:02 PM

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QUOTE(Human Nature @ Feb 5 2013, 04:57 PM)
If not mistaken, it was bird's nest. What did they give you this year?

I will still accept whatever the content is, but to not be included in the list at all, then I need to know, maybe i need to increase my FD or what.
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Hamper.
bbgoat
post Feb 5 2013, 06:05 PM

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QUOTE(Human Nature @ Feb 5 2013, 05:00 PM)
No la..he said he gonna be MIA for 1 months. he will probably appear during CNY with 888888 stuffs  tongue.gif
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Where did you read that he said MIA for 1 month ? Speculation ?
Human Nature
post Feb 5 2013, 06:17 PM

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QUOTE(bbgoat @ Feb 5 2013, 06:05 PM)
Where did you read that he said MIA for 1 month ? Speculation ?
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If i recall correctly, at his money for luxury blog or credit card blog biggrin.gif
BoomChaCha
post Feb 5 2013, 06:22 PM

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QUOTE(Human Nature @ Feb 5 2013, 06:17 PM)
If i recall correctly, at his money for luxury blog or credit card blog  biggrin.gif
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So, Captain will come back in a month later?
But he has been missing for more than a month...


Human Nature
post Feb 5 2013, 06:25 PM

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haha i dont know ler..i guess capt with make an appearance before CNY..

any, better not stray too much from topic liao..later mod scold tongue.gif
bearbear
post Feb 5 2013, 06:37 PM

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many uncle auntie waiting to change new bank note and most of the tellers are busy with client and waiting 1 hour for bank cheque also did not help.

anyway withdrew and going for MACH smile.gif
BoomChaCha
post Feb 5 2013, 06:45 PM

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Affin Bank offers 3.7% for saving account (not FD), but minimum deposit is RM 1 million.

Affin Bnak offers extra 0.33% from their board rate for minimum of RM 20K deposit in saving account, if I am not mistaken.
BoomChaCha
post Feb 5 2013, 08:33 PM

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Just came across with MBSB FD promotiion which I think it is extended
from last year November or December until 31 March 2013:

I believe 4.75% is for 5 years tenure.

http://www.mbsb.com.my/misc/Fantastic4.pdf

Versus Bank Rakyat:

http://www.bankrakyat.com.my/web/guest/ratemubeen



This post has been edited by BoomChaCha: Feb 5 2013, 08:46 PM
pisces88
post Feb 5 2013, 09:56 PM

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haha why other banks didnt give hamper geh.. only BR?
pisces88
post Feb 5 2013, 09:59 PM

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QUOTE(kennethdw @ Feb 4 2013, 07:51 PM)
if u know how to play ard with the FD and smart saver from OCBC, then you can get at least 4% of interest in your FD every month !
I would say thats the highest in a month among all banks.
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how to do that ? rclxms.gif share share
bbgoat
post Feb 5 2013, 11:11 PM

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QUOTE(pisces88 @ Feb 5 2013, 09:56 PM)
haha why other banks didnt give hamper geh.. only BR?
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I heard AmBank did similar action during CNY. Even deliver to the house !

Any AmBank customer can verify this ?
sangaran
post Feb 5 2013, 11:15 PM

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QUOTE(mlyuki @ Feb 4 2013, 12:09 PM)
this one another promo, not in website, I saw it from newspaper.

I already open one last Friday 3.8% 6mth.. not bad smile.gif
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wats the name of the promotion?
sylille
post Feb 5 2013, 11:16 PM

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QUOTE(BoomChaCha @ Feb 5 2013, 06:45 PM)
Affin Bank offers 3.7% for saving account (not FD), but minimum deposit is RM 1 million.

Affin Bnak offers extra 0.33% from their board rate for minimum of RM 20K deposit in saving account, if I am not mistaken.
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Was told by Affin you don't have to deposit the one million ringgit all at one go in order to enjoy the 3.7% promo rate. Their normal savings rates, depending on the type of account, increase and decrease according to amount of balance you have in your account - http://www.affinbank.com.my/rates/ratesislamic.htm. Now they are offering +0.33% to their normal rates.

For example, if you open a savings account now with RM100,000 you wil get 2.85% + 0.33 = 3.18% pa from 5 Feb to 31 Mar provided you did not withdraw anything from the account during that period. However, since this is a savings account you are allowed to withdraw any amount anytime you like. Let's say you decide to withdraw RM1000 tomorrow. The balance in your account will drop to RM99,000 and you will get 2.80%+0.33%=3.13% pa from 6Feb to 31 Mar. So, you will have earned the 3.18% for only one day.

Conversely, if tomorrow you decide that you want to deposit another Rm900,000 into your account, which means your balance is now RM1 million, you will get 3.38%+0.33%=3.71%pa from 6Feb to 31 Mar provided,again, you did not withdraw any amount from the account until 1 Apr.

Thus, depending on how much you withdraw and deposit, your interest rate will flactuate according to the amount of your balance at the end of each day. Bear in mind that interest is calculated on daily rest.

I am familiar with Affin because I have an account with them and their service, at least in my branch, is superb. They put the other banks RM to shame. Even though I am not a PB customer, they constantly update me via phone on my account status and even give me a shopping voucher, dairies and umbrellas and even a CNY hamper without my asking for them! Their staff are so accessible and best of all, their CASA account earns relatively high interest and is a very flexible and convenient place for me to park my money while waiting for the music to start again in musical chair game tongue.gif
sylille
post Feb 5 2013, 11:37 PM

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The Affin Bank example I gave is based on the Affin GOLD-i which is available those who are 50yrs and above.
gsc
post Feb 5 2013, 11:37 PM

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QUOTE(bearbear @ Feb 5 2013, 11:43 AM)
too many people so i just close the SS and take all the fund out.
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Asked my RM it seems that it is possible to close and open again SS. But I think very soon the bank will come with some rules to close the hole

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