1. OCBC 3 Months FD at 4.5%

(A) Place RM 10K in 3 Months FD at 4.5% = RM 112.20 (assume 91 days' interest)

(B) 3 Months FD bundled with OCBC Smart Savers or 3 months
(I)  RM 5K in FD at 2.9% = RM 36.15 (assume 91 days' interest) + RM 112.20 = RM 148.35
      Need to deposit additional at least RM 1K during any day in 2nd and 3rd month into Smart Savers.

(II) RM 5K in FD at 2.75% = RM 34.30 (assume 91 days' interest) + RM 112.20 = RM 146.50
      Need to deposit additional at least RM 50 and up to RM 999.99 during any day in 2nd and 3rd month
      into Smart Savers.

(III) RM 5K in FD at 2.4% = RM 29.90 (assume 91 days' interest) + RM 112.20 = RM 142.10
      Deposit nothing or deposit up to RM 49.99 during any day in 2nd and 3rd month into Smart Savers.

You will get OCBC FD cert at the same time when you place your FD.
Reminder:
Once if you withdraw any Ringgit amount in your Smart Saver, you will get 0.5% interest in Smart Savers of
the particular month.

For example, if your 3 months FD and Smart Savers mature in 12 September, you will receive full 4.5% interest
on your 3 months FD;  but once if you withdraw any Ringgit amount from Smart Savers in 12 September (or make
withdrawal during any day in the month), you will get 0.5% interest for 12 days calculates from September 1 to 12
September in your Smart Savers. This is the tricky part of Smart Savers... 
2. Bank Rakyat 3 Months FD at 3.65%
    Place RM 14K x 3.65% p.a. = RM 127.40 (assume 91 days' interest)
    If RM 15K x 3.65% p.a. = RM 136.50 (assume 91 days' interest)

You will get Bank Rakyat FD cert in 2 or 3 days later after you place your FD.

Also have Sukuk fund available soon. Anyone know normally how long does it take for the fund to be back to our saving account (from the bank that we buy it from) ? The date is June 20th or 21st, right ?