Saving in fixed deposits is so safe that it’s risky!
http://www.thestar.com.my/Business/Busines...that-its-risky/

That is because most people focus on increasing their savings and have overlooked their “real returns”. The real return is derived by adjusting gross return with inflation rate, i.e. how fast prices of goods and services rise.

Hence, real returns determine if your purchasing power is increasing or decreasing.

So now, affin bank offered highest rate for 1 year tenure?

Can share which withdrawal option you can use to withdraw all money in EPF before 55 years old?

Ya read through.
Sorry not familiar with FD promotion thingy.
For OCBC promo, option 1, it's mention tenure 18 months. 6 months : 3.6 % and remain 12 months is 4%.

What happen after 18 months? I normally put my FD 5-10 years .

Maybank offered me 3.48% for 6months , I think is fund fd

Thanks for the May bank FD info.. 

May Bank FD Countdown 3 -- 3 Months FD Promo

Captain,
Regarding to Am Bank FD Promo posted on the main page:
Am Bank Islamic FD Promo - Extended to 31 May 2014
.....
.....
....

Top Goat, I placed my 18 months FD (effective rate 3.87%) with OCBC this afternoon.
Just as usual, no gift was given, and no smile from the OCBC female rep at all,
perhaps she just broke up with her boy friend recently..

This OCBC 18 months FD counts interest for 545 days, so my FD maturity date is
19 October 2015.

Did you get the last day interest from your UOB FD?
Last time UOB did not pay me the last day interest.

It means the FD maturity date printed on the FD cert.
Okay, I think each UOB branch has different FD policy...

Top Goat,

I think you are not aware of this:
Recently I discovered that BR pays monthly interest to my
BR saving account after 4.00am or later than 4.00am, which
they used to pay monthly interest right after 12.01am

I think UOB paid you interest until Saturday (19 April 2014).
Yes, included last day interest until Saturday (19 April 2014).
  OCBC will pay interest for Saturday and Sunday if FD matures on Saturday.

Then I called to another UOB branch to double confirm, they said the same thing that
no interest for last day FD.
Your FD cert printed Monday 21/4/2013 because your original FD maturity date was
Saturday 19/4/2013. UOB does not open on Saturday ma..

In order to confirm this, you need to calculate the FD interest you received and divided by
365 days and 367 days respectively..

Or call to your UOB branch to clarify, and have them to calculate the interest for you..
The best way is to talk to the person who in charge of FD.

I can confirm OCBC pays interest for FD maturity date.

As I know, FD interest calculated daily for the tenure of the placement.
Interest is given on the date of placement/deposit to the date before the maturity date, i.e. to say does not include the date of maturity.

On the maturity date, customer is free to use the fund for whatever purpose, eg. reinvested in another Fd placement, put into saving or pay loan etc. If bank will to give FD interest for maturity date, it will deem that the same fund enjoy 2 times interest for 1 day. Bank will lose out paying interest twice for the same fund and customer gain. I have verified a couple of previous placement in OCBC and the interest paid does not include the maturity date.

Your method of interest calculation is absolutely right.
That's what Interbank Bank Overnight Rate calculate too.

For easy understanding, today bank in > overnight > tomorrow withdraw, that's is one day interest. Only count the overnight day and omit the day of withdrawal.

Thanks for the confirmation. 
So far I only learn through experiences and share my findings here. 

To calculate the days you need to use spreadsheet so it will be less confusing, manually count is ancient ways during our grandfather time can consider ok...
367 days is correct calc.

Yes, I use Excel too, especially those FD promo with ADB interest calculation. 
And I use Excel to calculate daily interest for my MBB m2u Saver acct (with fund moving in and out) that give 2.1%p.a. on daily balances. So far matches the monthly credited interests. 

some banks offering 3months special FD rates....but have to tie up a minimum amount...money cant touch for that few months lor

As far as I know, for BR, we need to go and request for new FD certs, as the printed maturity date has passed.
I used to see other banks' certs (smaller than half A4 size) can be "updated" by printing a line at the back of the certs, but BR one (full A4 size) just looks different. 
I requested for new certs post maturity for mine, main reason was to re-nego for better rate and get a fresh certs for peace of mind. 
You may want to call their CS to confirm.

Can I combine the money withdrawn from two CIMB saving account (me and my sister) into a single Banker's Cheque?

I think this OCBC 18 months FD at 3.87% effective rate with PIDM is the best so far