Ha ha, a lot of hungry fish waiting for baits ?   

For me, I would look at the bank's history of offers, wait until at least 2 banks rate increase, .......

This fish will be choosy as far as baits are concerned. Hungry for a short while. 

no need bait (freebies), just open the right fishing net (4.2% without CASA and tell us here) will do, fishes will jump in.

Ha ha, a lot of hungry fish waiting for baits ?   

For me, I would look at the bank's history of offers, wait until at least 2 banks rate increase, .......

This fish will be choosy as far as baits are concerned. Hungry for a short while. 

while waiting where would you park your money?

Impossible to drop to 3.35%

From my experience loan interest will increase very soon. While FD rate will takes time to go up. Other people's experience ?? 

Normally the first thing bank want to do after OPR being revised up, is changing their BLR, so you can see as soon as one day after the OPR being revised, BLR being revised accordingly, banks generally very "efficient' in this move. 

But for FD, since banks are not eager for liquidity as current situation, it may take sometimes, before being revised.
Sometimes, not in portion to the OPR or BLR increased (happen last time once). 

Hi, Which bank offer the highest 1 month FD right now ?

Thanks !

I was hoping that they increase the OPR by 50 basis points. Some economist was saying with the increase now the OPR will remain unchanged for 2014. 

Thanks !

I was hoping that they increase the OPR by 50 basis points. Some economist was saying with the increase now the OPR will remain unchanged for 2014. 

Impossible to drop to 3.35%

Same to me...     
Not sure if all the existing 5 years at 4.7% FDs that have been placed in MBSB are still available
or not after the merger..? Quite worry about this issue..

But I guess most likely all existing 5 years at 4.7% FDs will still be honored because if the new bank suddenly cancels this FD plan in the half-way, this is not fair to the FD depositors; unless the new bank makes some compensations to the FD depositors..? I hope I guess it right.. 
But still need to read the MBSB's FD terms & conditions..

But I am sure 4.7% will not be available after the merger since the new bank will be PIDM protected.

Oh.. No... 
I am thinking maybe I will place another 4.7% FD with MBSB before they merge..? 
To take a gamble lo..

Some said another increase of 25 basis points in Sept2014.

is MBSB 4.7% comes with PIDM protection?

which one would you choose?

MBSB 4.7%
RHB 4.1% (PIDM)

reason(s)?

I hope so and will be very happy if that happens !! 
MBSB no PIDM, same as BR. 

Hi, Which bank offer the highest 1 month FD right now ?

Thanks! I saw in their website that it states for retail customer.

Anyway, I have put MBSB as one of my "new" bank.  Maybe need to do as BCC said, place FD there before the merger. 

Some said another increase of 25 basis points in Sept2014.

........
CIMB 3.15% vs RHB 3.35% vs MBSB 4.70%...the IR gap between them are huge. My personal opinion is that MBSB will honour existing FDs, but after the merger; it will put an end to the 4.70% rate.
We sudah side by side in the casino for a while...at the moment still "winning". Put a few extra "chips" on the table to gamble & have fun la   As long as the IR doesn't breach 4.70% level, we have predictable long-term advantage 

Unfortunately my "chips" sudah stacked neatly & kena tied until December. Hopefully by year end, still be able to throw some on the table for that 4.70%.