all 4 package also for 12 months, just different rate and holding period for CASA. Which is why it is weird

Ha ha.. Life is a gamble 

I will ignore all RHB FD promos since they are all 1 year FDs.

About "For Internal Use Only", I just went to the counter and asked for a copy only..

I saw these 2 from another forum:

[attachmentid=4029396]      [attachmentid=4029397]

can't see 3.73% from the image?

so many choices, which one is your best favorite?

appreciate suggestion for maximum possible yearly interest.

OPR raised and no more promotion. Is it possible?

got 3.9% out there from the first page, anything higher than inflation rate?

I have a questions worth pondering, instead of focus on interest rate too much, the following questions could be a good decision making for FD...

Question 1: which bank would you invest FD in if hypothetical they all offer same competitive rates?

Question 2: why would you choose this bank?

yup, Perbadanan Insurans Deposit Malaysia.

PIDM protection for FD & Savings accounts 

I think it's upto $250k/bank 

I taught it is 250K per entity per bank.

As far as I knew, split to many account, won't entitle for the more coverage, aka you open 4 account with Bank A, you only entitled for 250k total.

You want 500K coverage then need to open account with Bank B.

http://www.pidm.gov.my/About-Deposit-Insurance/Coverage.aspx

Another way I think is to split into Conventional and Islamic deposit accounts 

the website said it's separate deposit insurance protection for that 

If I am not wrong, yes.

A has current account or 10x many accounts in bank Z-- 250K total.
A/B has joint account or many accounts in bank Z - 250K total for A/B.

As if we look from the perspective of entity, account A is not the same entity with account A/B joint account.

A lot of HNWI in tis forum 

May I know which area is that? I'll avoid to go there next time.

Dataran Pahlawan Melaka. Supposed to be the flagship branch here.

I wud skip d complaint n forget OCBC since time spent > benefits from promo

June 10 FD promotion ? For all banks in Malaysia ? Expecting a big increase to existing FD rates ?

Wat if BNM maintain OPR?

h, expected how much change ? Probably just 0.25%, right ? I guess if correct, not much adjustment to BLR and thus also not much impact on the property market.

Mach quite inconvenient as you have to go to their Mach branches to open account and place the FD online.

Actually, I'm also not sure. I think it'll go back into my Mach account. I did create a Mach account, came with ATM card. Then I transfer money into that Mach account to place FD last time. Interest is now credited into that account monthly and I think principal will masuk that account also when due.

Either I go ATM to withdraw, which I doubt I can. Or do online transfer, which also has limit. Or go to Mach outlet when the time comes kua. August got 2 Mach FD due, have to figure it out before then haha. Any others got experience with Mach?

Ooh. If can get banker's cheque from HL counter then it'll be much easier.

Mach quite convenient from my place, recently found out they open another one in Klang also.
Just open account with them enough edi lor. Everything else place online ma.