3.75% for 5 years is not attractive as it seems. 
Good to spread out FD to minimize risk. For me I have FD across BR, Citibank, MBB etc etc. 

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.

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. 

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. 

Yea same. Especially last time OCBC one. Close many SA there already. Haha.

Yea same. Especially last time OCBC one. Close many SA there already. Haha.

5 years is a long time, my friend.

Ambank is offering the same 3.75% for 15 months deposit and is guaranteed bu pidm. I will move my funds there where my existing fd expires. BR is offering 3.95% for 15 months, so the difference is rm250 for 100k placement. i think i will treat this opportunity loss of rm250 as an insurance for my fd. Any thoughts?

Those rates sound like promo rates. I don't think you can nego up to those rates on board rates with 100k for 13 months.
Err, Affin Bank 12 months board rate already 3.6% wor. Lock up funds for 5 years for what..

5 years is a long time, my friend.

Ambank is offering the same 3.75% for 15 months deposit and is guaranteed bu pidm. I will move my funds there where my existing fd expires. BR is offering 3.95% for 15 months, so the difference is rm250 for 100k placement. i think i will treat this opportunity loss of rm250 as an insurance for my fd. Any thoughts?

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.

I have a FD account with AMbank but with interest rates 3.15%.

Can i add additional cash into existing FD account or open a new one with 3.75% rates?

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

The only requirement for Ambank is RM 100,000 fresh funds as a minumum.

Saving account lor. The smartsavers one. I think I opened and closed at least 2 already lol. Open to place FD then after that take out and close it, then few months later decide to put in again.
Usually if it was a promotional rate then auto renew will renew to board rate of the same tenure.

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 !!! 

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

No leh. Smartsavers is for cheapskate ppl like me, need to top up 1k every month lol.

Top people go for Premier Save Gold account in OCBC

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

The 5k and >6 months entitle you to monthly interest.