Thank you Cybpsych for your advise.
But I went ahead to place FD in Ambank since the amount is not much.
Interest will be credited to the SA every six months which I think it's good.

I believe you open AMIslamic Bank FD for 36 months with 4.5% interest.
Is the interest credit every 6 months to your AMBank SA or AMIslamic Bank SA?

Ya loh, just place short term FD to see the cuaca first...

But can consider AM Bank 4.5% for 3 years..

Warrior, I do not know the answer.
But so far I have not received any notification from BR that Coop card will be charged RM 5 annual fee..

FD market is similar to share market recently, everybody is guessing the FD rate will go up or go down..
But the big difference is that FD will not lose money, unless if Titanic (bank bankrupt) happens...

Ah Goat Sir, did you receive any news from BR that Coop card will charge RM 5.00 annual fee?
If we cancel the Coop card, can we still use the iRakyat account?



Public Bank Step-up FD Link

This post has been edited by BoomChaCha: Dec 30 2014, 12:10 PM

Bro, OCBC offers 12M @ 4.2%..?
I cannot find this info on OCBC website.

Do you know when this promo ends? Thanks

think someone posted in earlier page, ending tmr
basically same offer with UOB so you can choose which bank u prefer

one more option for us! Thanks for the headsup!

went to PB FD Xtra yesterday... apparently the rates up a bit...i think it is something like 4.08 and 4.28% ...both 6 months...

initially i thought it was something like 3.88 for 6 months and 4.28 for another 6 months...

Okie..OCBC promo link found, BCC.
Below is the link (click --> "Discovery Treats / Existing Fund Treats" & click link below --> "For the full terms and conditions, click here." ):
http://www.ocbc.com.my/personal-banking/ac...=2015q1campaign


This post has been edited by leo_kiatez: Dec 30 2014, 02:44 PM

Oh... Okay, got it.. you are right.
I was not aware that OCBC also offers 4.2% for 1 year..

Thanks Leo..



This post has been edited by BoomChaCha: Dec 30 2014, 02:57 PM

You are welcome, BCC..

To see ALL OCBC FD Promos need to click on any of the FD/Savings Ad at their homepage which then gives you a liitle more info on the ad and then from there need to go click on T&C and you will get to see all promos.

The 4.2% 12 months was only offered effective 15th December 2014 and I noted OCBC has revised the validity of all their current FD promos to end 31 December. Let's see what we get on 2nd January 2015.

Thanks of highlighting Bro. This is fantastic news because Public Bank FD Promo runs until 28th Feb 2015. As such we can expect OCBC and UOB to continue offering 4.2% or even higher come next year.

This post has been edited by Gen-X: Dec 30 2014, 03:26 PM

Hong Leong Bank - Business Deposit - “CNY Great Fortune” Campaign
2 Jan 2015 - 8 Feb 2015



More Info: HLB | T&Cs (EN) | T&Cs (BM)

Received an SMS from OCBC promoting about their new FD in which it pays customers 4%p.a for the first 12 months and 6%p.a for the next 1 month. They didn't state the minimum required amount but the due date for this promo is by the 31st of March.

Yep, I've asked in my earlier post. Just placed my FD with OCBC today. Promo ends tomorrow.

This promo is called Equalizer Treat, Effective Rate @ 4.15% for 13M.

You may refer to the terms and condition posted by leo

Consider, considering, considered...reconsidered & sudah get into the act

Do you yearn to be in on the act as well?


Boh boon tay, I've pulled out almost all $$$ from BR & closed long zhong account with them


I've no idea the FD rate will go up or down but I forecast the rate will not surpass 4.5% within these few years

I did

The interest will be credited semi-annually.

The T&C did not mention anything about opening a SA requirement too...for interest crediting purpose

Latest info...


Attached thumbnail(s)

aiseh they always change the formula. this "base rate" replaces BLR... so no history of "BR" for comparison. It's like resetting to year zero.

Found this article on google

In nutshell, previously loans priced on BLR+-x%, now it's BR+x%. Like a cost + margin formula. If that's true, then Maybank , PBB, SCB & Citibank got the lowest cost of funds??

This post has been edited by okuribito: Dec 31 2014, 08:35 AM

if take the lowest bank interest 3.15%

fd interest per day (1k * 3.15%) / 365 days = 0.086 cents
fd interest per day (10k * 3.15%) / 365 days = 0.86 cents


only large amt can see $$

HAPPY NEW YEAR 2015 may FD rates keep on rising