It seems that UOB has diff policy as Penang side they are only charging RM0.15 for 1 banker's cheque.

Finally good news from you ! Interesting figure of 4.13%. I have got 4.11 and 4.2% before. So 4.13% is a good figure for some of us depositing certain figures in BR.

BR FD cert at least looks much better, though no signature required. HL Islamic Bank FD cert is rather shady, just a slip printed out like those in the late 1990's computer printout, like some of company's pay slip, 1/5 the size of an A4 paper.

Why so secretive, share lah .................................

Wow !! You are disclosing your wealth. Filthy rich as someone mentioned !!!!

In BR, some of us got 4.2%.

Looks like some regulars are staying away from this discussion. Busy on other matters ?

Yes, the risk factor has been discussed. But as pointed out several times, BR is linked to government institutions.

So diversifying ones saving should be OK. Except don't put all in one basket.

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This post has been edited by bbgoat: May 8 2013, 11:09 AM

Well, high risk, high gain. Timing is important including exiting for UT. Don't count your chicken before it is hatched !!!

Deleted, wrong button clicked.

This post has been edited by bbgoat: May 9 2013, 10:57 AM

4.01% to 4.06% branch manager can approve. To 4.11% need district manager approval, to 4.2% need HQ approval. I was told this by Penang BR.

It has been over period of time, you can bargain with the total amount you have in BR (even joint account included).

The ABM claimed that for 4.11%, you need >500k. But I guess you need to negotiate with them. Call/talk to them and negotiate while the money is still with you ....................

In BR, right ?

Not bad. Next time try for the 4.2%. Some of us got 4.2% (me included).

Twice for me the HQ approval is within 1 day for the 12 months 4.2% (the same day that I asked).

"It has been over period of time"
The above means I increased my deposits in BR over few months. I read comments in this forum especially Magika's experience. All my discussions are for 12 months placement.

The 4.11% of >500k is what the ABM told me. But you can negotiate with them for amount <500k to get 4.11%, I mentioned that before.

This post has been edited by bbgoat: May 9 2013, 04:31 PM

Yes, 5 years is 4.5% based on their website. But it is too long period of time and rates could rise higher than that. So I only placed FD for 12 months in BR.

Yes, only time can tell .....................................

Hi guys, other than BR, which banks have the highest rate for 12 months FD ? I mean no frills FD i.e. plain FD.

Thanks !

1st page info is last updated on 3/3, kind of outdated.

Anyone knows of UOB, AmBank and HL current 12 month FD rate ? I mean the normal FD rate.

Thanks !

Not all banks show the promotional rate in their website. I thought u should know that too !

This post has been edited by bbgoat: May 13 2013, 11:45 AM