You not scared meh..? 
Can share why you still have confidence with BR despite the news..?

interest bank in to SA every 3 mths is activity already.

... I am the one that always receive towel all the time from bank for deposit -- not even near a big boy at all ...

Yes, correct, every time I have to ask for it; otherwise they just keep quiet

I just put the OCBC 3.9% 12 month Islamic FD, no CASA required. PIDM too 

While waiting for BNM's decision to increase the BLR in Sep, I think BR's 3 mths 3.6% is a safe bet but why don't BR up its FD rates? Sifus, pls advise. TQ 

i will only deposit rm5k in this to get the gift.

i am prepared to get 0% on the eAccount thus expecting 4% x 0.7 = 2.8% only.

loss is very minimal considering the gift value and money omly hold for 3 months. if you dont need the lugage can just move on.

compare to BR 3 months 3.6%, deposit 5k in this you will only lose approx. rm10 interest for the gift.

1. UOB groupon deal - the eAccount require you to get an ATM debit card, +RM8 cost (Need to deposit RM5000 + RM8). They also run a check on you to check if you are first time customer for UOB.

2. Affin 15m 4.05% deal - the cashier insist i must open a saving account (no book, no atm, no internet banking). Deposit RM20 for the SA. FD is straight forward 4.05% for 15 months, interest pay out when matured.

1. if you are already a customer, you are not elegible for the groupon promo.

2. no idea and i didnt want to make a scene, the CS claimed that it is for the money to be deposit into SA upon maturity. i suspect one can actually get away without the SA. mayb you can try and let us know.

Another 25 bps hike in OPR
http://www.theedgemalaysia.com/business-ne...ys-analyst.html

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

I remember reading here that some forumers think/expect the MBSB FD will automatically become PIDM protected once MBSB merged with CIMB.
My thinking is... it may not necessarily be the case.

Yes, at least you have 2 options now: Affin and OCBC, either one is okay lah..Bro 

I am not sifu lah.. The real Sifu is sitting right down stair ---> Post #1865 

Here are the best 3 months and best 6 months, but no sure if there any other
FD promos are better than them..?

Best 3 Months
(1) OCBC, 4.5% + 3.0% (Premier Save Gold) = approximately 3.75% effective rate, valid until 30 Nov
(2) OCBC, 4.5% + 2.9% (Smart Saver) = approximately 3.7% effective rate, valid until 30 Nov

Best 6 Months
(1) May Bank, 3+3, effective rate 3.73%, valid until 16 August.
(2) UOB, 3.7% pure FD, valid until 30 August

I asked MBSB about this question, they said the
chance to revise higher than 4.7% is slim.. 

Received sms UOB 3.9% for 13 months FD valid till 31 Aug

anyone gte contact by UOB after fill up the online form for the Groupon EFD bundle?Thanks

<4% effective p.a. don't even bother to look at it. No dilemma.

>4% effective p.a. only need to check PIDM coverage, % fund for CA/SA requirement, step-ups availability (for interim alternative exit strategy).

Constructive discussion would be to post future > 4.2% effective p.a. with PIDM, otherwise the choice is so clear.