Flat or staying at current rate is the most likely.

As inflation threat is quite serious out there.
Also, BNM doesn't wish low rate that prompt more property speculation as well as already high household debt out there.

Also, if lower rate, it may mean negative real interest rate,as inflation is expected to notch up with subsidy cut here and there as well as GST implementation in the coming year (2015).

So both up and down got its effect that BNM may not want to see.

For the OCBC Savings Deal (formerly called Combo Deal), best time to go deposit is tomorrow

My personal experience, yes can withdraw FD from different BSN branch. Just take note that if the branch is located in small town area, you'll probably face difficulty to withdraw large amount of money. Not sure about banker's cheque tho.

Wednesday I was in Ocbc to open Mega saver, the RM was thinking was it better to open account on 30th Oct or 1 of Nov? I told her to be 1st Nov and passed her the cheque...

Wednesday I was in Ocbc to open Mega saver, the RM was thinking was it better to open account on 30th Oct or 1 of Nov? I told her to be 1st Nov and passed her the cheque...

I am avoiding 1 nov for 3mths FD because maturity date falls on 2014 CNY. May not be around to go to bank.

Ok, thanks for your personal experience information~
Sorry, might asking a noob question. Is it possible request to withdraw by cash, but not cheque? This is because there is a withdraw charges if using cheque. (If I'm not mistake~ )

It should be okay since it matures on Feb 1, so even if you miss out on a week or so, doesn't lose much. Unless you put in a ton of money, hehe

Of course it is possible to withdraw by cash, but it depends on which branch you make the withdrawal. If the branch is located in a small town area, there is a cap on the amount of money you can withdraw. If your FD amount is higher than the capped amount, then you need to get the approval of the BM/ABM.

Which BSN branch do you intend to make the withdrawal?

Have horrible experience in UOB today. Waited nearly 1.5hrs just for the queue.    Looks very inefficient for their counters. People leaving as cannot wait for their queue. Once to the counter, while waiting for the banker's cheque, the counter should have served another customer. Instead she was just waiting for my cheque to be finished/prepared. Just 15 minutes there already. No wonder the queue is so long !!! 

They should hire some consultant to do some time study to improve their efficiency !!

KFH no queue, very fast and got my FD cert prepared. Caught last minute 3.98% Junior FD promotion (ends today). 

Sorry for asking noob question. What means of BM/ABM? Just new using FD~

I am avoiding 1 nov for 3mths FD because maturity date falls on 2014 CNY. May not be around to go to bank.

Sorry for asking noob question. What means of BM/ABM? Just new using FD~
Not big amount of money~ I'm so poor girl, just earn a little bit interest, plus at least safety put money in bank~

BSN at Miri branch there. Did the BSN service branches at Miri good?

Very odd you mentioned HLB FD Promo starts on 21st October where actual fact in started early October. See post No.1 for HLB current step up interest rates promos where one can get u to 4.5%

Ocbc Mega Save is extended from end of Oct to end of Nov. Anyone got any news on Uob promo in Nov?

Hi guys, I was told by a family member that I should try foreign fd. Advisable to try?

Hi guys, I was told by a family member that I should try foreign fd. Advisable to try?

What are their reasons? What are the Foreign FD rates?

Hi, am planning to get an FD. 6 months tenure. Are recommendations which bank will be the best? Thanks! (Chinese here).