The main good thing about RHB 15 months FD promo their FD interest payout every 3 months.

But I personally do not like RHB to lock additional 5% fund in CASA for 3 months and this means
that you will need to spend time, money and energy to look for another new FD promo for
your 5% fund in 3 months later.

And I do not think RHB will terminate this FD promo after the merger.

I am not sure if Affin 15 month FD is eligible to participate in OMG or not? 
http://www.affinbank.com.my/General/Whats-...uble-Bonus.aspx
Let's say if place low FD rate for short term now and in exchange for next higher FD rate for long term in a right timing, then in average this is not a dilemma, but this is a success.. 

In conclusion:
(1) if confidence the next OPR will increase soon, then put short term first, then long term.
(2) if uncertain the next OPR will increase or not, then just pick long term

Agree or not..?? 

2 days ago Went to RHB inquired on the 15 month step up FD. Average up the FD for 15 month is roughly 4%. The plus side of their step up is you can stop anytime after 3,6,9,12 months.

For simplicity calculation and ignoring the 5% FD in CASA,

3 months  <3.48%
6 months  <3.58%
9 months <3.68%
12 months <3.78%

5% FD in CASA should not be a concern. With the banks competing for FD, who knows after 3 months there will be a better offer.

For 10k FD, 5% means only 500
For 100k FD, 5% is RM5k. Should not matter much if there is a drop in FD rate when mature.

My RHB FD mature tomorrow. Most likely I will go for 12 months if their 3.88% FD promo still available.

I'm more interested on why there's no flyers or any other promo materials.
Maybe like what BCC said, new promo, late in printing promo flyers 

Called them and the staff said it's eligible for OMG and currently 2X chance as part of Merdeka promotion

Much choices to make..  I wonder if the same promo is available at Affin Islamic bank..

Like gsc mentioned, the 5% is just a small amount, so it can either be IBGed out or put in e-FD.

True, long term would be rewarding, only a hassle at the moment.

When I placed there was no bunting about this promo, and they also show me the A4 black and white details flyer. No issue placing though. In fact the CS asked me how I hear about this, I just mention 'saw it online'.

Yes, can consider to put some money in MBSB for 5 years; but I think
EPF is a better option for people who close to 50 years old, 

But for my style, I would go for whatever FD is the best deal available now. 

2 days ago Went to RHB inquired on the 15 month step up FD. Average up the FD for 15 month is roughly 4%. The plus side of their step up is you can stop anytime after 3,6,9,12 months.

For simplicity calculation and ignoring the 5% FD in CASA,

3 months  <3.48%
6 months  <3.58%
9 months <3.68%
12 months <3.78%

5% FD in CASA should not be a concern. With the banks competing for FD, who knows after 3 months there will be a better offer.

For 10k FD, 5% means only 500
For 100k FD, 5% is RM5k. Should not matter much if there is a drop in FD rate when mature.

My RHB FD mature tomorrow. Most likely I will go for 12 months if their 3.88% FD promo still available.

Called them and the staff said it's eligible for OMG and currently 2X chance as part of Merdeka promotion

Much choices to make..  I wonder if the same promo is available at Affin Islamic bank..

Like gsc mentioned, the 5% is just a small amount, so it can either be IBGed out or put in e-FD.

True, long term would be rewarding, only a hassle at the moment.

I doubt RHB 3.88% for 1 year is still available..? 

Can I uplift my FD in KL RHB branch? FD is deposited with another RHB branch in my hometown..

On affin 15 months, have a feeling they are not hard selling it. When i placed mine i overheard an elder couple asking of options they have for their expired FD. The CS only intro the 12 months @ 3.7%. Well maybe principal not sufficient or what i don't know. Likewise when i approach them i have to ask, their recommendation is the 12 months with 20% in CASA.
mostly they won't allow, call to ask.

young one pun boleh.

you sti ll wait for higher opr?

I remember their staff told me the promo is till end of Aug. 

Do you know if RHB got customer service tel no?

Source

shorter term FD promo anyone? 

Don't know if this has been posted but anyways.. Received this 2 days ago from OCBC.

Fresh Funds
1) Islamic FD
3 months @ 3.55%
12 months @ 3.80%

2) 24 months Conventional FD
First 12 months @ 3.8%
Next 12 months @ 4.20%
(effective rate for 24 months @ 4%)

3) Investment Deals (FD placement when you invest in their investments)
3 months @ 5%

4) New Premier Banking customer
3 months @ 5.5%

Existing Funds
3 months @ 3.3%
12 months @ 3.5%

Edit: Forgot to add. Promo until 30th November. T&C applies as usual.

http://www.rhb.com.my/
Double click on PhoneCall hyperlink...
Thank you so much   Golden Dragon Fish...

Don't know if this has been posted but anyways.. Received this 2 days ago from OCBC.

Fresh Funds
1) Islamic FD
3 months @ 3.55%
12 months @ 3.80%

2) 24 months Conventional FD
First 12 months @ 3.8%
Next 12 months @ 4.20%
(effective rate for 24 months @ 4%)

3) Investment Deals (FD placement when you invest in their investments)
3 months @ 5%

4) New Premier Banking customer
3 months @ 5.5%

Existing Funds
3 months @ 3.3%
12 months @ 3.5%

Edit: Forgot to add. Promo until 30th November. T&C applies as usual.

Hong Leong Mach

1m - 3.15
3m - 3.3
6m - 3.5
12m - 3.7

Just received via email today since my 6m Mach 3.7% expired today.

Premier banking for 5.5% need how much?

Premier banking for 5.5% need how much?