Better listen to this old goat regarding BR. 

One of my FD reached maturity in the middle of November 2013 and was renewed with new cert at 4.20% pa. It would be a good idea to check online on your FD renewal as suggested.

So once again, maybe now is a good time to go deposit with Alliance and get either their Alliance Platinum Debit Card to earn 1.5% cash back or sign up for Privilege Banking to get the Alliance Premium Debit Card and earn 2% cash back. With the 2% cash back (and say you transfer fund into the account monthly to pay for the expenses), it beats the heck out of having your money sitting in FD while enjoying the up to 50 days interest free from credit card transactions. Click here to read my article The Best Cash Back Credit Cards - How To Earn Money From The Right Credit Cards,; and you will see the Alliance Debit Cards are good for those who spend above RM2K/month.

And if you go deposit RM200K, sign up for Privilege Banking and then apply for their PB Visa Infinite and get perpetual annual fee waiver, i.e. FREE FOR LIFE, and get unlimited access to Plaza Premium Lounges worldwide. If you got time, click here and read my article on Maybank, UOB and Alliance Bank Visa Infinite.

Wow, last year my renewal rate was at 4.06% for reasonable "high" amount. This sifu    got 4.2% !   

Did you get 4.2% previously for that FD and got same rate for renewal ?

Renewal has to renego. I only got the result 10 days after maturity but deposit date still the same..

Which BR branch did you go to, which state ?

For auto renewal, it will go to the current board rate, not even nego rate. For my FD in BR, I used online account to check, auto renew will just go to board rate.

You better check again or use online account to see the interest rate for related FD. 

Better listen to this old goat regarding BR. 

One of my FD reached maturity in the middle of November 2013 and was renewed with new cert at 4.20% pa. It would be a good idea to check online on your FD renewal as suggested.

Yes, I feel doubtful myself on that and reconfirm 4, 5 times over the phone, and the officer says yes, it will follow the same rate as previous year.
As for the online acct, I have just checked again, it is not stated with any rate at all.
Even the FD cert is without the interest rate, but at least with the total interest amount.

Appreciate BR sifu whom have gone through renewal to confirm the following: 
1. Do you get a new FD cert reprinted or other document indicating your new maturity date? (magika said new cert)
2. Do you get back the old rate or new rate? (bbgoat said board rate)
3. How to check interest rate at online acct? Refer my online acct screenshot below, interest rate is not shown.
Thank you.   

Yes, I feel doubtful myself on that and reconfirm 4, 5 times over the phone, and the officer says yes, it will follow the same rate as previous year.
As for the online acct, I have just checked again, it is not stated with any rate at all.
Even the FD cert is without the interest rate, but at least with the total interest amount.

Appreciate BR sifu whom have gone through renewal to confirm the following: 
1. Do you get a new FD cert reprinted or other document indicating your new maturity date? (magika said new cert)
2. Do you get back the old rate or new rate? (bbgoat said board rate)
3. How to check interest rate at online acct? Refer my online acct screenshot below, interest rate is not shown.
Thank you.   

Sorry but cannot check online. Only way is to request for new cert or ask them to scribble on old cert. Do not and I repeat do not trust totally unwritten assurances. Make double sure or dont quarrel later on maturity. 

Normally for conventional FD including those on promotional or nego rates, on renewal it will fall back to board rate. I have seem before some bank clauses ( not BR) explicitly mentioning it.

You are right. I checked and the interest rate is not shown in online account. I used to check based on the monthly interest paid out to verify the FD rate for renewed cert. 

But as Magika pointed out, all the verbal confirmation does not mean anything. Your safest bet is to get a printed FD cert. I know what you have said, but this seemed a bit unusual.

I have talked to BR ABM before and renewal will be at board rate. I confirmed that on those renewed FD and they are just getting board rate not the higher rate I got before !! They have changed some rules regarding amount entitled for nego rate.

Good luck !! 

Yes, I feel doubtful myself on that and reconfirm 4, 5 times over the phone, and the officer says yes, it will follow the same rate as previous year.
As for the online acct, I have just checked again, it is not stated with any rate at all.
Even the FD cert is without the interest rate, but at least with the total interest amount.

Appreciate BR sifu whom have gone through renewal to confirm the following: 
1. Do you get a new FD cert reprinted or other document indicating your new maturity date? (magika said new cert)
2. Do you get back the old rate or new rate? (bbgoat said board rate)
3. How to check interest rate at online acct? Refer my online acct screenshot below, interest rate is not shown.
Thank you.   

Ambank 3 years 4.12% - need open saving account for interest deposit every 6 months

Ambank 3 years 4.12% - need open saving account for interest deposit every 6 months

YR INFOR NOT ACCURATE

Bro, I have never heard of financial institutions auto renew FD at the HIGHER previously contracted rate. It's either auto renewal at board rate or uplift and renewal at nego rate with a new receipt issued. This is the SOP of all financial institutions in Malaysia. The logic of this SOP is that the bank will risk higher cost of fund if its FD system was programmed to auto renew at higher rate instead of prevailing board rates.

What if the board rate is higher than previously contracted rate ? If system take the old rate, depositor sure sue 9 BR liao.

YR INFOR NOT ACCURATE

YR INFOR NOT ACCURATE

Ambank 3 years 4.12% - need open saving account for interest deposit every 6 months

I was eyeing this AmBank FD deal. Unfortunately it will end by Jan 19. 

Don't just make a statement but give the reason as well.

the int wld b paid at t end of t 6-mth tenure. it can b paid in cash, credit to saving a/c or add on to pricipal.