One question, do banks auto renew using board rate or follow the rate from original cert?

I have colleagues who just auto renew their FD without checking and have been doing for years.

HLB incleased their rate to 3.95% ? Good. Just  weeks ago, their HL Islamic FD 13 mth 3.9% vs HLB 12 mth 3.85%. So now HL Islamic 4%, 0.05% more than conventional ?  Need to confirm that.

With SCB closing their FD promo, UOB 12 mth 4.05% probably is the best at the moment. Well, BR, non PIDM 12 mth 4.1% is better if you have the stomach for non PIDM.

For short term FD, MBB "under counter" 3 mth FD at 3.87% still the best. Though I have placed for AmBank 5 mth at 3.85% before I learned of the MBB deal.  While writing this post, received call from AmBank that this deal is extended until 6th Nov.

While writing this post, received call from AmBank that this deal is extended until 6th Nov.

Ah Boom, just saw below from post 2:

"May Bank 4% for 12 Months[/u], up-front FD interest + gift - New added by RO Player on 30 Sept - (This May Bank promo has ended. Updated by bbgoat on 1 October)"

Top Cat is the one that alerted us on the MBB upfront interest deal. I updated on 1 Oct when I placed the FD. But I did not say it has ended. From what has been reported, it may not be ended. 

Yup yup, promo rate has not ended yet.

ok, let me put in an inquiry to OCBC..once they confirm, then i shoot

I edited my post after I recalled the event. Anyway the deal was extended after 1 Oct. 

Just came back from Maybank, so is confirmed the 'under table' Maybank Islamic upfront 4% deal is still on.
No free gift though & have to wait till the CIMB/RHB cheque clears only can get the cert.

Sea Park branch service is great & even have free nasi lemak & drink today for all customers
They also explained to me in detail Aspire & Premier Wealth privileges.

One question, do banks auto renew using board rate or follow the rate from original cert?

I have colleagues who just auto renew their FD without checking and have been doing for years.

Just came back from Maybank, so is confirmed the 'under table' Maybank Islamic upfront 4% deal is still on.
No free gift though & have to wait till the CIMB/RHB cheque clears only can get the cert.

Sea Park branch service is great & even have free nasi lemak & drink today for all customers
They also explained to me in detail Aspire & Premier Wealth privileges.

Just came back from Maybank, so is confirmed the 'under table' Maybank Islamic upfront 4% deal is still on.
No free gift though & have to wait till the CIMB/RHB cheque clears only can get the cert.

Sea Park branch service is great & even have free nasi lemak & drink today for all customers
They also explained to me in detail Aspire & Premier Wealth privileges.

Only rich uncles have that kind of extra privilages.     

Me small prawn also dont even qualified for Aspire privilages.

Follow the tenure of the original cert but renew at current board rate.

You can leave it there on auto-renew for years and just go update your FD cert when you remember.

No free gift attached to the MBB 4% upfront interest deal. Unless asked separately or attached with other packages.

Wa, free nasi lemak & drink !!   

Then just go update FD cert every 5 years should be fine. 5 years is a long time also. If you don't go update means you probably forgotten about the existence of that funds already.

I am still wondering what kind of free gift they will give? 

I got nothing at all other than the FD certs. 

But who still does that manually nowadays? i prefer e-FD as i can monitor it or uplift it remotely.
For the promo 4%, this is the first time i got the FD cert physically which kind of new to me. 
Hope i will remember to uplift it when it matured.