huh? tis 2nd time u posting like tis. got into argument with someone in tis Thread? 

Not much different between 3.85% or 3.9% as my principal is less than RM20k

anyone waiting for another OPR increase in Sep, bad luck.

MIER: No more OPR hike in 2014, 25bps enough for now

http://www.malaysia-chronicle.com/index.ph...e-term&Itemid=3

MBB didnt allow me to use my existing funds in my savings account.

i go bank need queue mia, where got branch manager mau layan

What is the general understanding of big sum & small sum?    Big sum = above Rm500k or Rm100k or how much?
Small sum = Rm10k?

Count me in..  we can go together, I will drive a lorry to carry tins..

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.
A financial institution whom is a member of PIDM does not mean all their products are PIDM protected.
They can likely left MBSB FD stay as-is, i.e. non-PIDM protected post-merger.
I have seen (based on my experience) banks that have non-PIDM protected products though they are a member of PIDM. For example this MBB investment acct is not PIDM protected.
Just my 2 cents. 

good point but will pidm protection matters after the merger? surely cimb won't allow non-pidm products to fail while under its watch, would they? 

a failure here may cause a run on the bank, or maybe on the whole entire banking system!

methinks that the merger between cimb-rhb-mbsb won't materialise; however a merger between rhb & mbsb is a better bet... just my 2sen... 

Malaysian banks race to get deposits
http://www.thestar.com.my/Business/Busines...longterm-funds/

Please understand what is OPR first.

URL: http://en.wikipedia.org/wiki/Overnight_policy_rate

Market is anticipating another 25 basis point up by end of the year.

Current OPR rate is at 3.25%

September is too near and I don't think it'll be very likely.

Warrior, I went to MBSB this afternoon, this is what I heard from 2 MBSB staffs:
After merging, MBSB's 4.7% 5 years FD should not be available for new customers; but it
will still valid and continue as usual for all existing customers until this 5 years FD contract
matures. After this 5 years FD contact matures, then this 5 years FD cannot be renewed
anymore.

If they can merge successfully, they will form a new bank on 1 January 2015.

So, the last call to place 4.7% for 5 years FD with MBSM should be in this December or earlier. 
I think I should place MBSB 5 years before it is gone; but I am still thinking will they
revise their rates soon? , I asked MBSB about this question, they said the
chance to revise higher than 4.7% is slim.. 

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. 

Ok, you are right..Thank You..
Ok.. Thanks for the update...

FD Promos - Please update me if below rates are not updated. Thanks

Best 1 Month
(1) Mach 3.15%
(2) Affin 3.25% - by michaelho
(3) CIMB 3.25% - by michaelho

Mach FD Rates
https://www.machbyhongleongbank.com/mach-fixed-deposit

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
*ocbc Fd + smart saver applies to new smart saver or dormant account holders only. Those with previous FD + smart saver package when mature are not allowed to take up this package. - by gsc

(3) OCBC Islamic 3.55%,  valid until 30 Nov
(4) Am Bank 3.5%, valid until 19 September
(5) Mach 3.3%

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
(3) Ambank 3.65%, valid until 19 September
(4) Mach 3.5%
(5) RHB (3.48+3.68)/2= 3.58% with 5% FD in CASA – by gsc

Best 9 Months
(1) Am Bank 3.7%, valid until 19 September
(2) RHB (3.48+3.68 + 3.88)/3= 3.68% with 5% FD in CASA – by gsc

Best 12 Months
(1) OCBC Islamic 3.8%, valid until 30 Nov
(2) Mach 3.6% - by FDInvestor
(3) May Bank 3.85%
(4) RHB (3.48+3.68 + 3.88 + 4.08)/4 = 3.78% with 5% FD in CASA – by gsc
(5) RHB conventional RHB Islamic 3.88% pure FD – by gsc

Best 13 Months
(1) UOB 3.9% , valid until 30 August

Best 15 Months
(1) Affin pure FD, 4.05%, valid until 30 December
(2) RHB (3.48+3.68 + 3.88 + 4.08 + 5.38)/5 = 4.08% with 5% FD in CASA – by gsc

Beast 24 Months - by munkeyflo
(1) OCBC,  valid until 30 Nov
First 12 months @ 3.8%
Next 12 months @ 4.20%
(effective rate for 24 months @ 4%)

OCBC Existing Funds - valid until 30 Nov - by munkeyflo
3 months @ 3.3%
12 months @ 3.5%

Thanks so much to below Contributors: 
munkeyflo
McFD2R
pinpinmiao
gsc
cybpscyh
kingofong
FDInvestor
michaelho

Why open a FD account in UOB is so troublesome one ? need to open saving account again     

Because of $$, troublesome also need to do la...

“Given robust growth dynamics, lingering inflation pressures and a preemptive move to guard against the build-up of financial imbalances, we think Bank Negara Malaysia may pursue another rate increase in September", Julia Goh, an economist at CIMB Group Holdings Bhd.