I called to BR to ask about my FD which is maturing. Now the ABM said their loan rate is down to 3.3%. Unable to give me high rate for 12 month FD. Only 4.06%.    For 24 months may be able to get 4.3%.

Is it because they have too many people depositing now as Magika mentioned recently ?  Or their loan rate is really going down ??

Stalker here  , stalking me .............................    Really good follow up, no one should ever owe HJebat anything, ever !! 

Was in BR today.

1. For my renewal, only able to get 12 mth 4.06%. They have even raised the nego rate from amount >50k to 100k !    Meaning if <100k, you only get board rate. Cumulative amount does not do any good now as if you top up after xxxk, you still need >100k to get nego rate.

2. Ask to the ATM card, for those getting the co-op card, there is only one time fee. The green card holder will be charged yearly fee. So those who receive the letter should be those getting the green card.

3. Online account and ATM card. Once you set up the online account, you can cancel the ATM card. BR's ABM confirmed on this point. Someone else have been saying the opposite that ATM card need to be maintained for the online account. As I mentioned before, ATM card is to facilitate ATM transactions, online account setup etc. Nothing to do with maintaining the online account. Anyway since there is no yearly charge for my co-op card, I just keep it. 

The ABM told me BR's profit is going down as government is tightening bank loan. So BR is not as "lenient" as before in giving out higher rates. Even stingy as far as hadiah is concerned ! 

Hi, just want to ask anyone about FD upliftment about BSN (Bank Simpanan National)

I open the BSN FD at Malacca there, now currently at Sarawak. Is it possible to withdraw FD at BSN sarawak branches there?

I asked their staff already (At Malacca), they say can withdraw my FD anytime, anywhere. Meaning that can withdraw my FD at Sarawak.

So, I just want to double confirm, is it can withdraw my FD at Sarawak whenever I previously open my FD at Malacca?

This is because I feel their BSN customer service seems like don't have any communication each other and even branches.  BSN Customer service (By Call) say can, BSN Malacca branches say can, just afraid BSN Sarawak branches there cannot~

hi sifu. i m very noob one wan ask all sifus here one question. i planned to apply either the mbb or cimb internet banking fd. so i wanted to ask before the maturity of my first placement, when can i place extra placement? is it possible i add the placement before maturity (i know the interest i gained is based on the initial placement)

my fren said that for Bank Rakyat, if you place for 3 mths @3.65% but if you withdraw after one mth, they will pay 1 mth rate, no other penalty. Is that true?

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~ )

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?

Reduced 0.05%    not 0.5% 

That is a more likely number, I was thinking of that shift of a decimal point. 

no need nego bank rakyat gv me 4.01% pa

Bank Rakyat website still show 4.01% for 12 mth for Deposit A/c-i
http://www.bankrakyat.com.my/web/guest/mubeen
is this the one you r asking?

You again !    Better watchout on my answer. 

Yes, my FD is due by late Jan. But I was getting 4.2% for these 12 month FD's ! Now looks like may only get +0.05% only.    Yet not sure if it is based on 3.96% or 4.01% based on recent threads. Good times never last .................

Regret, regret. Unlike our BCC, good deal for 5 years FD.  Just hoping 2Q next year, rates will go up for FD (though those with loans will suffer).

Yes, rather interesting ! 

Not all members are like that, in category "stalkers" ................. 

HJebat will remember what you said and follow up with you. 

I got 4.15% for 1 year FD from BR, this 4.15% is based on BR new board rate 3.95%,
so I actually got extra 0.19%. And I will get monthly interest to be paid into my saving account.
Gift is only a diary book 2014.

Actually at first BR verbally confirmed 4.2% on the phone (while I tried to ask for 4.3%), then suddenly BR called me the next day to final confirm 4.15%...they said HQ not approved for 4.2%
wor...   

Ha ha, don't you know that HJebat used to work part-time for KGB..? 

Yes, BR new 1 year board rate is 3.96%
You bet, more than 100K
Then part time for CIA and part time for KGB as double agents loh.. 

HJebat, kamu sangat Jebat !!

But for you to get straight answer from BCC is DIFFICULT !! BCC will worry if the info leaks out. Then he will have to look left & right when out on the streets !! 

But the 1 year 4.15% though lower than the 4.2% that I got last year, still VG for current situation. Looks like I would need to threaten the BR when my FD is due in late Jan quoting our BCC's 4.15%.   

Hi all,

Just saw BR website, 12 months FD is 3.96%. 5 years 4.45%.

http://www.bankrakyat.com.my/web/guest/akaundeposit-i

This HJebat fellow ..............

Not sure yet. May go with 2 years to 3 years max, may pull out and put somewhere like AmBank (if FD offer of 4.12% for 3 years is extended).

Lets see. 

Envy this BCC fellow, who is so quiet for quite a while, still counting money into wee hrs of the night ................

Hi there, you miss out what I add in my post:

Add: So much talk about PIDM protection, scary loh ................ 

Must have hit the wrong key in my post.