I also noticed that omg campaign when placing some fund at affin back in July. That CLA poster really make me dream

HL Bank Step Up FD 4+4 effective rate 3.98% .1st 4 months= 3.68% 2nd 4 months= 4.28%
till 31 March 2015. Min 10k

arent both the same by you earlier?

Dont remember what I posted. Just ignore if dont like.

I just called to UOB on Jalan Sultan Ismail. BartS is right.

UOB FD Chinese New Year Promotion, valid until 28 Feb 2015
(1) 3.85 for 3 months
(2) 4.10 for 12 months
Min placement RM 10K

UOB FD Christmas Promotion, valid until 24th Dec 2014
(1) 4.00% for 6 months
(2) 4.20% for 12 months
Min placement RM 10K

This post has been edited by BoomChaCha: Dec 8 2014, 01:54 PM

it seems that UOB FD 4.2% for 12 months is for min 50K.

Have been away from this thread for some time.

Report "Young Magic" or "Old" one for double posting ?? Lose his Magic, getting old ??

Oh, so UOB Christmas promotion of 12 mths 4.2% is rather attractive. I was thinking of putting some bullet in ASNB fund as they are getting a beating now but UOB rate is attractive.

I called to UOB on Jalan Ismail again, A Malay leng Lui said min placement is RM 10K.


He should be called Double Magic..

x bank Manager: Why our recent launched 4.1% FD promo has no response?

x bank clerk: Boss, I think because of xxB offers 4.15% for 9 months

x bank Manager: Really..? Damn it..!! But how do you know about this xxB FD info?

x bank clerk: From lowyat, Boss

x bank Manager: Really ah.. Where? What URL..? Quickly lah..

x bank clerk: Let me type the URL address for you, Boss..here you go..This one..you see..

x bank Manager: Wah.... Those people compare FD rates like this ah..?? Then how do we cari makan..?

x bank clerk: Ya lah, Boss, some more they call this technique as Musical Chair wor..

x bank Manager: Magical Chair..?? What's the hell is that..? Oh.. You mean this guy name by Uncle Magic and Super Magic..? Somemore upgrade to Double Magic now..? Is this David Copperfield trying to sabotage us?

x bank clerk: No lah, Boss, it is Musical Chair, not Magic Chair

x bank Manager: I don’t care what kind of chair is this Magician sitting, I am just only worried I will not sit on this chair any longer if no fresh fund coming in, I do not want to lose my job..

x bank clerk: Ya lah, Boss, we have to do something otherwise we will lose out..

x bank Manager: Okay, we do like this, we launch one Christmas FD promo at 4.2% for 1 year and hit this David Copperfield gao gao lat, effective now.. Wait.. I also want our FD banner to advertise on lowyat and get the banner rotated 24 hours non-stop just like BxN.. . Ai..very susah cari makan nowadays..

another option ... hope not confuse you ... put into BR 1 year in how ever many certs possible. If you have emergency, and need to withdraw, they pay you the next best rate eg if withdraw after 9th month + x days, you get interest as if it was 9mth FD in the first place. That's what they explain to me last time. Pls call them to confirm

hahahaha good one ... damn funny siu sei ngo!!! should give jinny boy the script, make youtube video

dat's why lah, when we see water fish promo, we should voice out here also

This post has been edited by okuribito: Dec 8 2014, 02:01 PM

after read so much, mach is the best for time convenient as only fd online with promo rate rite? open mach we need a basic saving acc in hlb.. AND what is about those wad money deposit box? abit confuse..
btw, what fd rate is the best for around 10k ? cz i see alot rate also 30-50k

how come when my mom call, they said rm50k.

Really ah..?
But when I called, I asked the Malay leng Lui, she said RM 10K wor..
I am pretty I heard it correctly..
Ai..kepala pening again..

Can somebody confirms this..?

May i know if want to go open FD, must bring cheque n cash only is it? or we can IBG? Thanks

Not the way to calculate premature withdrawal, like that I will put 5 years deposit, withdraw after 12 months still no loss.
On withdrawal after 9 months, they will refer to their own table for "pramatang" so they called it 9 months rate @ reduced rate.

Boomchacha Ah Goat always leng lui make you pusing n pening..

This post has been edited by magika: Dec 8 2014, 04:12 PM

Ha ha ha ha .................Magical Chair, Uncle Magic, Super Magic, Double Magic

Ah Boom Sir, can write script already for shows !

By the way, just received SMS from UOB confirming the 4.2% 12 mth promo until 24/12.

Assuming the sum of RM2k is placed into FD

Promo rate of 12mths 4% - RM80
Board rate of 12 mths 3.3% Maybank/CIMB - RM66

The difference of RM14, IMO does not justify the time/petrol spent going to the bank, twice.

In my opinion .. doing so online will be more worthwhile. Mach HL FD now is 4% online with minimum RM1k
https://www.machbyhongleongbank.com/mach-fixed-deposit

For me, I would say the difference ought to be minimum RM50-100 to make it worth my time to go twice.

nice share

here's the info and T&Cs from OCBC:



OCBC Great Savings Treats

Equaliser Treats: The OCBC Great Savings Treats is here! Restore the value of your money with Fixed Deposit rates of 3.90% p.a. for the first 12 months and 6.00% p.a. for the subsequent 1 month.

More info: Equaliser Treats | Discovery Treats/Existing Funds Treats | Terms & Conditions

hahaha that's why I told him to call & confirm himself lah... i haven't tested yet btw BR got 5 yrs rate meh?

brother, the 30K in red get what interest rate??? no lah... if you put in 60k where got mthly chg? only got if fall below 30k mah! did i read wrongly?

RM 30K FD
(1) 5.00% for 3 months = RM 375.00 interest
(2) 3.85% for 3 months = RM 288.75 interest
The difference: RM 86.25

If this HSBC deal makes life so difficult, then we can forget about it...

Ha Ha.. Glad to hear that you guys like it...

Ah Goat Sir, I already changed my SCB FD cert to Instruction 3 about 2 weeks ago..

This post has been edited by BoomChaCha: Dec 8 2014, 08:58 PM