I never did that trick before. Ha ha ha. 

There was talk about this months ago here and even discussion on how much cash a person is willing to carry with him/her during lunch time !!   

Remember there are people claiming can carry >100k cash ? 

Anybody renewing their FD for shorter term than 1 year & for how many months?

I am thinking of putting at 6 months just sufficient to get the monthly interest for BR.

Rich person like Top Flo no need to play FD musical chair, watch/play musical chair at home.   

hi, Maybank officer unaware of that Maybank 6 months promo? Care to share where can I locate it? Can't seem to locate via Maybank online portal... to show them. Thanks.

I think it's First 12 Months 3.6%,remaining 6 months 4%

OCBC

Anyway, from TS's blog, what I could derive is, if I can part with my money for 18 months, OCBC it is, 12 months then Affin Bank it is. Amirite?

Guess now no need to play musical chair since there is no really attractive deal for the past several months.

I just hate to have so many bank accounts, so difficult to keep track. I have been keeping my funds with hsbc for years but they are giving shitty rates. BR gives the best rate but i just don't feel good about them right now bcos of the 32m saga. I would not park my funds to any bank that is easily influenced by a cabinet minister.

Thanks for sharing.
How did you get those rates?
Were they on promo or you nego with bank officer or you put in 100k for 13mths?

Why less people here talking about BSN FD rates.

The rates are pretty high.
1 month 3.00%
3 months 3.00%
6 months 3.05%
9 months 3.10%
12 months 3.20%
15 months 3.30%
18 months 3.35%
24 months 3.40%
36 months 3.40%
48 months 3.50%
60 months 3.75%
http://www.mybsn.com.my/content.xhtml?contentId=127

Ya, agreed with you, I also hate to juggle with many bank accounts. Have been trying NOT to open new accounts when some banks are having FD promotions. Now I am using Excel to track my bank accounts and FD maturity dates. 

Close many SA ???   

I have been locking my FD in BSN for 3 years now, with interest rates 3.3% initially the offer. Now I did not update the FD at all after 3 years, because normally FD will auto renewed right? believe the rate is still 3.3% as it was.

You need to bring in fresh fund of min 100k to take advantage of this promo rate of 3.75%.

Ya, I saw it just recently. 100k for the FD promotion !
OIC, the Smartsaver. I thought why you have so many SA to close there ?? 

Smartsaver for people who are Top (Top Flo) & Smart !!! 

BR require minimum placement of 5k only right with 15 months of 3.95%?

The other possible option is PB which need minimum 30k for 8.88%!

Guess 100k is a way too impossible for me to have this fresh fund as a fresh grads.

Ha ha, the Poor Lowly Goat do not have either one    ......................... Top Flo has Smartsavers   

PB Step up FD

http://generationsxyz.blogspot.com/p/fixed-deposit.html

I am referring to https://www.pbebank.com/Personal-Banking/Pr...r-FD-Rates.aspx

But the step by FD din specify min amount of placement.

Haha! So i think the effective rate would be less than 3.5% actually. Perhaps many people dont understand this and would be attracted by the 8.88%....

clever of them to call you to tie you up for the next 13 mths!  when the market is heading for a rate increase!

so for now, don't put new fd 1st?

I have a few 12 months FD maturing in July. According to the bank, after they are automatically renewed, I can withdraw them after 3 months without any penalty. Just not sure after 3 months is the pro-rated 12-months rate or dropped to 1-month rate.

With the OPR going up, I wonder if I should convert them to 1-month FD or let them renew another 12 months?

Thanks in advance for your advise

munkeyflo thank you aunty flo 

short terms one, which one has the best rate? 

Bro, very sorry, RHB call center gave me wrong info yesterday.
I just called again to RHB 2 minutes, they gave me the correct info as below:

(2) RHB Ramadan FD Promo -- Valid until 31 August 2014
(i) 3.78% for 3 moths, put 5% into CASA for 3 months
(ii) 3.88% for 6 months, put 10% into CASA for 6 months
(iii) 4.28% for 9 moths, put 20% into CASA for 9 months
(iv) 5.00% for 12 months, put 50% into CASA for 12 months

Except Max Cash & Junior Saving account.

Sorry again for the confusion..