Fixed Deposit Rates in Malaysia V5
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 Mar 19 2014, 12:35 AM
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Senior Member
2,383 posts Joined: Mar 2010 From: Singapore, Negeri Sembilan, Masai, KL.   
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QUOTE(BoomChaCha @ Mar 19 2014, 12:27 AM) We want to place RM 700K FD or more, if the tenure is 1 year, can we get special FD rate? Hi bro, I pmed you anyways. Actually, we having a FD rush campaign for 6 months 3.38% and 12 months 3.48%. Besides FD, we also offering current account with ODS.   , let me know if you need more information hehe. |
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Mar 19 2014, 12:59 AM
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Senior Member
2,490 posts Joined: Sep 2011
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QUOTE(nubJeff @ Mar 19 2014, 12:35 AM) Hi bro, I pmed you anyways. Actually, we having a FD rush campaign for 6 months 3.38% and 12 months 3.48%. Besides FD, we also offering current account with ODS. Thank you for your PM. Bro. , let me know if you need more information hehe.You PM me 3.48% for 1 year. Affin can beat UOB easily by 3.6% for 1 year FD tenure. If nothing special or confidential, I prefer you to post your FD offer here so this can make it transparent to everybody.. Please check out the main page for FD rate comparisons: https://forum.lowyat.net/topic/2953389 Can you post your business card here? If this is not convenience to you, then never mind..Thanks again..  |
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Mar 19 2014, 01:28 AM
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Senior Member
2,383 posts Joined: Mar 2010 From: Singapore, Negeri Sembilan, Masai, KL.
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QUOTE(BoomChaCha @ Mar 19 2014, 12:59 AM) Thank you for your PM. Bro. Hi bro, sorry to inform that the best rates I can offer, maybe in future you need other services I might can provide to you as well. Besides, if you have FX requirement for paying or receiving foreign currency I can help you to convert it to MYR with special rates hehe..You PM me 3.48% for 1 year. Affin can beat UOB easily by 3.6% for 1 year FD tenure. If nothing special or confidential, I prefer you to post your FD offer here so this can make it transparent to everybody.. Please check out the main page for FD rate comparisons: https://forum.lowyat.net/topic/2953389 Can you post your business card here? If this is not convenience to you, then never mind..Thanks again.. Anyways, here my name card, anything can just let me know ya. » Click to show Spoiler - click again to hide... « |
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Mar 19 2014, 01:50 AM
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Senior Member
2,490 posts Joined: Sep 2011
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QUOTE(nubJeff @ Mar 19 2014, 01:28 AM) Hi bro, sorry to inform that the best rates I can offer, maybe in future you need other services I might can provide to you as well. Besides, if you have FX requirement for paying or receiving foreign currency I can help you to convert it to MYR with special rates hehe.. Aiya.. very sincere, aggressive and hard working young man..salute you.. Anyways, here my name card, anything can just let me know ya. » Click to show Spoiler - click again to hide... « Hope you can visit here very often.. This post has been edited by BoomChaCha: Mar 19 2014, 02:10 AM |
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Mar 19 2014, 08:26 AM
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Senior Member
918 posts Joined: Aug 2009
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QUOTE(BoomChaCha @ Mar 19 2014, 12:31 AM) Members Recruitment for FD Group Deposit Campaign count me in then Objective: To consolidate all members' funds to bargain for a better FD rate with the bank Minimum FD deposit: RM 50K per member Target total FD amount: 2.5 million or more FD Tenure: Tentatively 1 year Recruitment Deadline: 31 May 2014 No Obligation: Members can retreat anytime before we negotiate to the bank Prohibition: Members who registered after March 2014 are not allowed to join this campaign Disclaimer: No guarantee will success in this group FD plan Participating Members Members Ok without PIDM bbgoat HJebat gchowyh plumberly tbheng guy3288 helob McFD2R BoomChaCha Members want PIDM bearbear munkeyflo Nostalgia MNet wodenus Now we have 14 members, total RM 700K Plan (my brain storm only) (1) Consolidate at least RM 1 million fund from all participating members. (2) Appoint representative to negotiate with the bank. (3) As suggested by Warrior HJebat, after bank says OK, then representative generates and PM confidential code (for bank to recognize members' identities purpose) to each participating member so that members can place their FDs at special rate by submitting the code to the bank. Each member will get one unique code only. (4) Members can place FDs in their local bank branches. Any suggestions are very welcome..Thank You.  I'm ok without PIDM as long as the interest high enough |
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Mar 19 2014, 09:09 AM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(nubJeff @ Mar 19 2014, 01:28 AM) Hi bro, sorry to inform that the best rates I can offer, maybe in future you need other services I might can provide to you as well. Besides, if you have FX requirement for paying or receiving foreign currency I can help you to convert it to MYR with special rates hehe.. Anyways, here my name card, anything can just let me know ya. » Click to show Spoiler - click again to hide... « QUOTE(BoomChaCha @ Mar 19 2014, 01:50 AM) Aiya.. very sincere, aggressive and hard working young man..salute you.. It surprises me to see the name card. Hope you can visit here very often.. Most of us are hiding behind some sort of veil, user name etc.  |
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Mar 19 2014, 09:26 AM
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Senior Member
1,035 posts Joined: May 2010
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» Click to show Spoiler - click again to hide... « BCC, that is a very good answer Yea, i think it's more time & cost saving to narrow down the list to 2 institutions: BR (non- PIDM) & Affin (PIDM protected). They offer the best 1 year rate in town. No point going to other institutions & nego kaw-kaw only to get a rate similar to what BR or Affin has to offer (unless a good promo comes around la). At the moment, close both eyes also can predict that BR is the one "bank" that is able offer us the highest 1 year FD rate. If Affin can't match or top BR's rate, I assumed many members that are BR regulars will back out from this group. On the other hand, if we plan to place FD with BR, I supposed those who seek PIDM protection will not commit to this group as well. It's not possible to please everyone. I pick suggestion#2. Let's just enquire BR & Affin. We go to the one with the highest rate. Then, we sort out other details among members who are still willing to participate. Apa macam? Your opinion leh? |
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Mar 19 2014, 11:10 AM
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Senior Member
3,904 posts Joined: Jul 2007
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QUOTE(RO Player @ Mar 19 2014, 10:00 AM) so you found out on the MBB 2.75 + 1.1%...CA Aspire..did you go? not yet...  still waiting my funds to arrive 1st. |
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Mar 19 2014, 11:17 AM
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Senior Member
5,867 posts Joined: Feb 2006
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QUOTE(nubJeff @ Mar 19 2014, 01:28 AM) Hi bro, sorry to inform that the best rates I can offer, maybe in future you need other services I might can provide to you as well. Besides, if you have FX requirement for paying or receiving foreign currency I can help you to convert it to MYR with special rates hehe.. Bro, may I ask one question. Why some banks gives slightly lower deposit rate than published board rate for large amount deposit ( few millions RM) ?Anyways, here my name card, anything can just let me know ya. » Click to show Spoiler - click again to hide... « My personal understanding to this is that the fund availability commitment to 1 large deposit account is greater than many small deposit accounts, thus the cost of maintaining this commitment is higher ? Please correct me if I'm wrong and kindly share your professional view on this. |
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Mar 19 2014, 12:07 PM
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Senior Member
1,127 posts Joined: Feb 2008
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Hey is Affin bank a safe bank for FDs?
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Mar 19 2014, 12:44 PM
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Senior Member
1,035 posts Joined: May 2010
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QUOTE(alvinfks78 @ Mar 19 2014, 12:07 PM) Hey is Affin bank a safe bank for FDs? Safe from ...? Danger? Risk?Short answer is YES. |
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Mar 19 2014, 01:06 PM
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Senior Member
7,142 posts Joined: Oct 2008 From: Sin City 
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QUOTE(alvinfks78 @ Mar 19 2014, 12:07 PM) Hey is Affin bank a safe bank for FDs? how safe u want? what I know it's PIDM protected so if anything happen to the bank, your money is safe  |
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Mar 19 2014, 01:14 PM
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Senior Member
1,702 posts Joined: Jan 2003 From: Farmer River
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Wanna ask about PIDM here ...
Checked their website and their calculation illustration does not clear my doubt. For example: Me have FD 250k in Affin, PIDM 100% protected. Me have FD 250k & Saving 50k in RHB, PIDM 100% protected because of different institute from Affin and different account type. Correct? |
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Mar 19 2014, 01:24 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(herc @ Mar 19 2014, 01:14 PM) Wanna ask about PIDM here ... yes, per my understanding it is per account doesn't matter which bankChecked their website and their calculation illustration does not clear my doubt. For example: Me have FD 250k in Affin, PIDM 100% protected. Me have FD 250k & Saving 50k in RHB, PIDM 100% protected because of different institute from Affin and different account type. Correct? example 250k FD with Affin 250k saving acc with Affin 500k insured under PIDM. |
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Mar 19 2014, 01:34 PM
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Senior Member
1,702 posts Joined: Jan 2003 From: Farmer River
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Found this ..
Q4: What is the deposit insurance limit? A: Your eligible deposits are protected up to RM250,000 per depositor per member bank. The RM250,000 limit includes both the principal amount of a deposit and the interest/return. For my understanding: Affin FD 250k Saving 50k = 50k not protected RHB FD 250k Maybank FD 200k Saving 50k Total deposit 800k, PIDM protect 750k? Source: PIDM FAQs |
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Mar 19 2014, 02:49 PM
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Junior Member
160 posts Joined: Mar 2012
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QUOTE(HJebat @ Mar 18 2014, 11:51 AM) If you're a shareholder of BR, help me pose my question to them during the AGM ... I am not a shareholder of BR and maybe you might like to do some reading from the link below ... - Bank Rakyat Issues RM500m Sukuk ... a good day ahead to everyone here ... ...This post has been edited by esy: Mar 19 2014, 02:51 PM |
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Mar 19 2014, 02:54 PM
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Senior Member
3,904 posts Joined: Jul 2007
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QUOTE(RO Player @ Mar 19 2014, 11:41 AM) why need to wait for ur funds...my ques is have you gone and ask about it.. the answer is not yet. |
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Mar 19 2014, 03:18 PM
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Senior Member
7,142 posts Joined: Oct 2008 From: Sin City
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-deleted- wrong information
 This post has been edited by davinz18: Mar 19 2014, 10:58 PM |
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Mar 19 2014, 03:23 PM
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Senior Member
1,188 posts Joined: Sep 2008
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QUOTE(esy @ Mar 19 2014, 02:49 PM) ... I am not a shareholder of BR and maybe you might like to do some reading from the link below ... Thanks for the news on Sukuk.- Bank Rakyat Issues RM500m Sukuk ... a good day ahead to everyone here ... ...But the 3yr gives 3.30% and 5yr gives 4.45%; which are around their FD board rates (4.25% and 4.50% respectively as of last year end), does not looks attractive  |
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Mar 19 2014, 03:45 PM
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Junior Member
197 posts Joined: Apr 2005
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hi,i got a question for FD maturity date. may i know public bank if i place my FD on 1 FEB,so can i withdraw on 1 March?or need just withdraw on 2 March just can get the interest? cause currently i am placing my FD with RHB bank and the interest only credit on next day of maturity date(mean lost 1 day every month),for maybank i can see them credit the interest on the maturity date,so i hope to know how about public bank.Thanks!
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