Guys,
I think Affin is abit similar to BR. I am at the HQ in KL & nowhere in the bank is there any flyer or ad on this promo rate. So out of curiosity asked the customer service, then he asks his colleague who then pulls out a photostated A4 with this promo which he said he cannot give me as it has not been formally launched.

Finally, I asked twice to confirm if there is any other conditions besides the minimum amount & fresh fund, he said no.
On another note, just thought of making a survey, who's betting on a rate increase by the end of the year?
For those who have FDs maturing this few months and renewing on a shorter term, it will 'hurt' the overall average interest rate from what i have calculated, hm.. so is a dilemma

My FD will only be matured in another 2weeks+.. So now I'm starting to survey which bank to place my FD in.
Will definitely visit here everyday or at least every 2 days

Thanks all sifus in advance!

so the conclusion is there's no OPR hike in Sept but got some chance in Nov meeting 

This is what To Goat said: Nov should announce OPR increase...

methinks it'll be in Nov too; Sep maybe too early after the Jul increase. furthermore BNM may wait to see what's in Budget2015 in Oct... 

methinks it'll be in Nov too; Sep maybe too early after the Jul increase. furthermore BNM may wait to see what's in Budget2015 in Oct... 

guys and aunties sekalian,

I noticed that the bank always gives me 1 cent less in interest.
For eg. Let's say my 1 year FD is 3.6% and the amount deposited is 5k. At the end of the term, If I withdraw cash, they will give me 5180.00 but if the amount is transfer to my savings acct, it shows 5179.99

why liddat har? 

I think the correct interest payment is 5179.99.
Bank pays you cash 5180.00 because it round up from 5179.99.

So you untung extra 1 cent when withdraw cash..

guys and aunties sekalian,

I noticed that the bank always gives me 1 cent less in interest.
For eg. Let's say my 1 year FD is 3.6% and the amount deposited is 5k. At the end of the term, If I withdraw cash, they will give me 5180.00 but if the amount is transfer to my savings acct, it shows 5179.99

why liddat har? 

Unker, 1 cent only laaa.

Withdraw cash 10 times then can untung 10 cents edi

Serious note: I dunno. They calculate by days wan. Or yea maybe your calculator need to set to unlimited decimal.

Is it? Is it because my calculator not enough decimal or anything? 
Sorry I failed maths

OCBC 4.2% for 2 years is a good option so far.

You'd better visit here everyday to get more info before you make your
final decision to place your FD in OCBC.

About your ATM card, I guess as long as you use it at least few times per year,
your SA should be active; otherwise you will not be able to use your ATM card
since it links to to your SA. But you'd better ask bank to seek for correct answer.

Where got calculate by days? Depends on how many months ma....
I know 1 sen, I just curious only.....

I still have 18 days to decide which option to go for.
Currently only 1 in my mind, which is OCBC.

Prefer long term since I don't plan to touch the money.

Yea, Rm40 gone due to inactive account   don't want to repeat this mistake anymore.

I did not say Sept wor.. 
I am just thinking to prepare for the 2nd raise of OPR only.. 

If OPR not raise within this year, it is possible that OPR
will raise before the implementation of GST next year.

Newspaper said petrol price may increase RM 0.30 per liter in September.. 
Welcome back Bro gsc... 
We did not see you for almost a year...

This is what I think:
I think OCBC main target market is their 4.2% for 2 years; but not 3.8% for 1 year.

This time OCBC is purposely lowering their 1 year FD rate from 3.9% to 3.8%,
because OCBC wants to make 4.2% more attractive.

So I think this is one of the symptoms that the OPR should go up again soon..

Ha ha... 
I am pretty sure it is a round up to even cash 5180.00.
You expect bank to give you 9 cent coins from 5179.99? 

Each month got different number of days ma. I usually just agak, roughly the same can already.

I still have 18 days to decide which option to go for.
Currently only 1 in my mind, which is OCBC.

Prefer long term since I don't plan to touch the money.

Yea, Rm40 gone due to inactive account   don't want to repeat this mistake anymore.

But this is a one year FD...is this a leap year?

Err. One year then is straightforward wor. Like that I also dunno liao.

I think your calculator not enough decimals.