can we open e-FD on irakyat? if this works, then i will go and open the irakyat account so that it saves my hassle for physical visit

whenever u see the word "up to", it means that is the max, it is a step up, meaning u get max at last mth, much lower in preceding mths.

mbb n other major banks, no kaplar, never high rates.

with pidm, the best deals r always from ocbc, uob n hlb only.

Just visit maybank and ask for more detail,

1~3 months: 3.10%
4~6 months: 3.30%
7~9 months: 3.50%
10~12 months : 4.10%

Effective rate : 3.5%



This post has been edited by Sirius: Jun 25 2013, 02:25 PM

usual la MBB PBB etc, nothing interesting from them 1

Unfortunately, there is no such option for now.

One advantage of MBB FD promos are that they are usually applicable for companies too and minimum RM20K.

Ocbc bonus saver 4.5% continue after 30 Jun. 3.7% for 13 months joint account only

more info for this pls...

Ocbc bonus saver is a continuation of current promotion which is supposed to end on 30 June. It is being carried forward with same terms and conditions.

Current 3.7% straight FD for 12 months will end on 30 Jun. it will be replaced by 3.7% FD for 13 months, joined account. Max allowed is RM500k.

Any insider info whether the 1.5 billion cap for the current 12 months FD is reached?

the current promo by till end june suppose to have 4% interest right?

Are you referring to the 3.7% FD for joined account? Not sure, bank changed it to 13 months instead of 12 months and if not mistaken the 13 months promo starts in July which may mean the cap is not reached..

4.5% with CASA, so effective rate is lower than 4%, but close enough.

What is Public Bank FD 6.88% all about. Thinking put some cash in FD or invest in properties.

Current promo is 4.5 but due to the need to place in the Smart Saver, effective is 3.96% provided you bank in 1000 each in month 2 and month 3 and withdraw only on 1st day of month 4..

Not sure if the policy is the same for OCBC, do I need to bring along the other person if I want to open a joint account together? Thank you.

why not u call them and tell us?

i m pretty sure it is a step-up like mbb, again - last month of 12 giving 6.88, other months... 2.5-3.0%?

mbb, pbb, cimb never give good fd rates. i give up oledi....

in Malaysia the FD rates are the lowest compare to other Asian Countires.

Last time a member here calculated the effective rate for Public Bank 6.88% FD promo was less than 3.5% (I forgot the exact effective rate).

If you are looking for a better return rate, you have other options, but most of these 1 year FD promos are ending soon:

(1) OCBC 3.7% (gsc said the tenure is 13 months now instead of 12 months)
(2) UOB 3.68%
(3) Kuwait Finance House 3.88%
(4) Mach 3.6%

Do you think now is a good timing to invest in properties?

Yes, you have to bring along with the person who opens a joint account with you.