BR pays interest monthly (RM 20K minimum): 4.55% rate -- negotiable, depending on deposit amount, but minimum RM 100K only can negotiate.

Waah, wait till i tell my mom that BR do give out hampers this year!

got my jan pay on 20th with bonus and completion bonus...>RM30k all goes to charity cause

I got 2 hampers last year for 2 accounts. This year expected to receive only one as they tightened their criteria for giving out hamper. Anyway the content of the hamper is nothing to shout about. Just better than not receiving anything. 

I recall last year, have to call up and ask about it. Then this year totally none. Few years back, received bird nest etc. Maybe coz moved some fund to OCBC already.

You can check out BR 5 years FD rate here:
http://www.bankrakyat.com.my/web/guest/deposits-account-i-

Versus MBSB 5 years FD:
http://www.mbsb.com.my/deposits_fixed_mudharabah.html

BR pays interest monthly (RM 20K minimum): 4.55% rate -- negotiable, depending on deposit amount, but minimum RM 100K only can negotiate.

MBSB pays interest every 6 months (total 12 interest payments): 4.7% -- no negotiable regardless of the amount.

Both BR and MBSB do not have PIDM protection.

BR has more branches than MBSB nationwide.

I twisted BR's ABM's arm and able to get nego rate for <100k. So it seems that BR's rate is always negotiable. Depends on who you talk to in the branch. 

But it may be a one time off event ........................

I recall last year, have to call up and ask about it. Then this year totally none. Few years back, received bird nest etc. Maybe coz moved some fund to OCBC already.

Yes, they looked at the amount you keep at their branch as far as I know. 

My FD pay once a year (4.75% p.a.). Rate is the most important. Still stick with MBSB then. 

Aiyo... you also twisted her lxgs la.. 
For sure it is one time off event loh... since you already KO her and put her on a stretcher... 

Declaration: I am straight ........... The BR ABM is a guy, ha ha ha. 

Aiyo... you also twisted her lxgs la.. 
For sure it is one time off event loh... since you already KO her and put her on a stretcher... 

Wah.. you are a "leng chai" and good negotiator wor.. 
Thanks for the info.

About one member here just mentioned BR is no longer issuing banker's check, but when I picked-up
my hamper 2 days ago, BR confirmed that they can issue BR banker's check for uplifting matured FD;
or either wire transfer.
I withdrew all my OCBC matured FDs since last year December and moved to BR.
Now left some Smart Savers accounts, maybe will close all of  them after Chinese New Year.
I guess my existing funds did not help much for my latest 1 year FD rate; I was supposed to negotiate first
before I put there..my mistake.. 
You got 4.75% rate during their promotion in late 2012..??
MBSB pays interest to you once per year..? I think you can request MBSB to pay you interest every 6 months..?
Or maybe your 4.75% package only pays you interest once per year..? 
As far as I know, 4.7% (pay interest every 6 months) is straightly not negotiable, regardless of the big amount.
You are so lucky... 

Ya, can't change already, it bind with 5 years.

It is still a good deal lah....
Do you receive any hamper from MBSB so far..?

I twisted BR's ABM's arm and able to get nego rate for <100k. So it seems that BR's rate is always negotiable. Depends on who you talk to in the branch. 

But it may be a one time off event ........................

Maybe you want to try something different leh..     .. just kidding la... 

Usually you speck with BR ABM in English or Bahasa?
I usually speak Bahasa with all of them..

BR = Bank Rakyat.
ABM = ?

ABM = Assistant Branch Manager 

so no cny special fd rate?

My FD pay once a year (4.75% p.a.). Rate is the most important. Still stick with MBSB then.