FD Promo - Please let me know if below info is not updated. Thanks

What are Hot..?
(1) OCBC 13 Months - 4.06% effective rate
(2) OCBC 3 Months Islamic - 3.85%
(3) OCBC 6 Months - 4.00%
(4) RHB 6 months - 4.00% p.a.
(5) RHB 9 months - 4.15% p.a. ---> Super Hot
(6) Affin for 24 Months - 4.38% p.a. ---> Super Hot
(7) Am Bank for 6 Months - 4% (4.05% for AmSignature - Priority Banking)
(8) Am Bank for 12 Months - 4.1% (4.15% for AmSignature - Priority Banking)
(9) HSBC Advance Account for 3 Months - 5%
(10) UOB 3 Months - 3.85%
(11) UOB 6 Months - 4.00% --> Christmas Promo, valid until 24th Dec 2014
(12) UOB 12 Months - 4.20% ---> Christmas Promo, valid until 31th Dec 2014 ---> Super Hot
(13) Am Bank 36 Months - 4.5% ---> Super Hot

Hong Leong Bank - Business Deposit - “CNY Great Fortune” Campaign - New added by cybpsych on 30 December 2014
2 Jan 2015 - 8 Feb 2015

HLB CNY Voucher
T & C


Public Bank Step-up FD, valid from 24 Dec 2014 to 28 Feb 2015 - New added by cherroy on 29 December 2014
9 months effective 4.11%

Public Bank FD Link

OCBC, valid from 15 December until 31 December 2014 - New added by dEviLs on 26 December 2014
13M promo, effective rate of 4.15%
Equaliser Treat
The OCBC Great Savings Treats is here! Restore the value of your money with Fixed Deposit rates of 4.00% p.a. for the first 12 months and 6.00% p.a. for the subsequent 1 month.


May Bank - New added by kyenli on 26 December 2014


Hong Leong Happy Friends Little Fluffy Promotion - New added by cybpsych on 24 December 2014
Junior Fixed Deposit - 15 December 2014 till 31 March 2015
Minimum JFD Placement Amount: RM1,000
Tenure: 24 Months
Promotional Interest Rate: 4.28 p.a.
The Promotion is open to all existing HLB and New-To-Bank (“NTB”) Malaysian and non-Malaysian Individuals who are below eighteen (18) years of age (“Customers”) whereby the 3-in-1 Junior Savings Account (“3-in-1 JSA”) opened or will be opened by their parents or legal guardian for the Customers as beneficiaries of the 3-in-1 JSA.


Mach by Hong Leong with monthly interest + Free RM200 Petrol Gift Card (For first 100 FD placements) from Ringgit Plus - New added by Mansamune on 17 December 2014
(1) 6 months 3.80%
(2) 12 months 4.00%
Min RM 10K


Am Bank, valid from 15 Dec until 31 January 2015 - New added by cklimm on 16 December 2014
4.5% for 3 years
Min fresh fund RM 10K


RHB with Conventional* & Islamic*, valid until 31 December (was 15 December) - Updated by by bbgoat on 16 December
(1) 6 months 4%
(2) 9 months 4.15%
Min 10k (was min 50k)
- Updated by dagdag1 on 7 November

Standard Chartered Bank, available till quota filled - New added by McFD2R on 4 December 2014
3.75% for 3 months
*Available for existing customer with their fixed deposit only - Updated by by munnie on 16 December

Hong Leong 12-Month Festive FD Promotion, valid from 15 December 2014 to 31 March 2015 (both dates inclusive) - New added by cybpsych on 12 December 2014
12 Months @ 4.08% p.a.
● Fresh fund required.
● Min RM10k. Max RM5mil.
● Required to nominate a CASA Account for the purpose of crediting the FD interest.
● FD interest must be credited into the CASA on a monthly basis.
● Interest to be added-on to the FD principal sum is not allowed.
● Upon maturity, the Principal FD amount shall be auto-renewed at the prevailing 12-month Conventional FD board rate.


Affin Bank, valid until 31 Dec 2014 - New added by cybpsych on 12 December 2014
(1) 3.90% for 6 months
(2) 4.10% for 12 months, need to put additional 20% of FD amount to CASA
(3) 4.18% for 15 months, need to put additional 20% of FD amount to CASA
Fresh fund with min. RM10k per customer.

Affin Bank, valid until February 2015 - New added by Ramjade on 11 November & cybpsych on 12 December 2014
(1) 4.18% for 15 months, need to put additional 15% of FD amount to CASA
(2) 4.28% for 18 months, need to put additional 10% of FD amount to CASA
(3) 4.38% for 24 months, pure FD. No need CASA. Just normal account for them to deposit interest
Fresh fund with min. RM10k per customer.
Opening account Rm100


Alliance Bank e-FD, valid until 31 Dec 2014 - New added by almeizer on 12 December 2014
(1) 4.15% for 9 months (was 3.90%)
(2) 4.00% for 6 months (was 3.75%)
Min 10k of new fund


Maybank FD "Countdown 1" Campaign - New added by cybpsych on 9 December 2014
9 December - 31 December 2014
Sweeter rate for 1 month @ 3.40% p.a.
To participate in the Campaign, the minimum placement amount is:
-- RM25,000 per receipt for Retail/Individual customers, or
-- RM50,000 per receipt for SME/Business Banking, Sole Proprietor, Partnership, Club/Societies/Association.
The promotional rates are offered for fresh funds only.


OCBC, valid until 31 March 2015 - New added by gsc on 1 December 2014
(1) 13 months FD promo ---> 12 months @3.9% p.a + 13th month @6% p.a = Effective rate is 4.06% - Updated by hcolin on 6 Dec 2014
(2) 3 month Islamic 3.85%
(3) 6 month 4%
(4) 1 month 6% investment bundle
(5) 1 month foreign currency additional 5%
(6) For Existing Funds - 12 months @3.5% p.a - Updated by hcolin on 6 Dec 2014

Mach Fixed Deposit Money Box Campaign - New added by cybpsych on 6 December 2014
Effective 6 December 2014 and ends on 28 February 2015, both dates inclusive
Min FD placement RM 1000.00 and up to RM250,000
With Monthly Interest
(1) 6-month @ 3.80% pa
(2) 12-month @ 4.00% pa ---> effective rate 4.07% (including monthly compound interest) - Updated by aeiou228 on 6 Dec 2014

UOB - New added by BartS on 5 December 2014
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 50K

Mach Bank - New added by byshierly on 5 December 2014
Online placement 12mths now is 4%

HSBC Amanah, valid from 3 Dec until 28 Feb 2015 - New added by dEviLs on 4 December 2014
4.00% for 6 Months
- for new/existing premier customer
- min 50k


Public Bank, valid from 1 Nov until 28 Feb 2015 - New added by magika on 24 November
Public Bank Step Up FD 3 months 3.70% + 3 months 3.80% + 3 months 3.90%.
- Updated by okuribito on 24 November

Public Bank FD Link - Updated by cybpsych on 24 November

Standard Chartered Bank From 3 Nov to 31 Dec 2014 - New added by dEviLs on 21 November
3 Months at 4.5%
Drawback: Need to sign-up Priority Banking account which requires min RM 250K

Hong Leong Bank with Monthly Interest, valid until March 2015 - New added by magika on 21 November
8 Mths FD Step-up up to 4.28 %
First 4 Months - 3.68%
Next 4 Months - 4.28%
Effective rate 3.98%
Min RM 10K. A saving account is required.

Bank Rakyat introduces Xclusive membership card - New added by okuribito on 20 November


AM Bank - New added by michaelho on 18 November
LATEST FROM AMBANK- Promo effective 17 NOV - 31 JAN 2015
AMSIGNATURE CUSTOMERS - additional 0.05%
No leaflet yet, so staff just wrote on piece of paper smile.gif - Ambank OUG
6 mths - 4% (4.05% for AmSignature)
12 mths - 4.1% (4.15% for AmSignature)
*AmSignature is priority banking customer with deposit RM200K and above
*50 years old and above can get monthly interest
- Updated by cybpsych on 21 November


RHB - New added by Gen-X on 14 November
Enjoy Interest Rate up to 3.95% p.a. for 3-month FD, T& C apply

Bank Rakyat Offers Up-front interest effective 30 Sept 2014 - New added by leo_kiatez on 12 November

Minimum FD placement RM 5K
The upfront interest promo is for FD of 6 mths only - Updated by okuribito & bbgoat on 12/13 November


CIMB, valid from 20 Oct 2014 to 31 Jan 2015 - New added by cklimm on 11 November
option1: 2 months 3.48% pa, min 20k, 5% in casa;
option2: step up FD, 12 months effective rate 3.69%pa


RHB P.A.Y.S. FD - New added by giko on 10 November
1. minimum term of three months
2. pays interest every month
3. can use your FD account as collateral for an overdraft facility of up to 100% margin
4. if buy shares on the BURSA through RHB, your first five orders are commission free
5. can withdraw some of your cash from this fixed deposit without losing interest earned on the remaining balance
6. minimum RM10000 to open an account
7. protected by PIDM
8. 3.2% interest


*RHB Conventional Page 1 & Page 2 - Updated by dEviLs on 20 November
"noted they have same promo for islamic too, the difference is in case you need to withdraw it pre-mature then you get more back (75%) from islamic as compared to conventional (50%)"


*RHB Islamic


May Bank
(1) 2 months 3.6% min 25k - Updated by bbgoat on 4 November
(2) 6+9 mths with 3.85%+4% interest - Updated by bbgoat on 29 Oct & cklimm on 3 Nov
Effective 3.94 % for 15 months - Updated by gsc on 3 November
M2U

RHB - A Deposit that Rewards in Gold Valid from 28 Oct to 28 Feb 2015 - New added by robert82 on 29 October
(1) Every RM 50K deposited in CASA, then RM 50K to RM 299,999.00 FD can earn 3.78% for 3 months*
(2) Every RM 300K deposited in CASA, then RM 300K & above FD can earn 3.88% for 3 months*
* Note: FD amount must not more than CASA amount


HSBC advance FD promo for 3m FD for new customer joining advance (eligibility is 30k only) - New added by dEviLs on 31 October
- Preferential rate of 5% p.a. on a 3-month Time Deposit (Standard Scheme) placement.
- Minimum placement of RM5,000 and up to a maximum RM30,000 for each HSBC Advance relationship maintained.
- One-time preferential rate for first Time Deposit placement.


Public Bank, valid from 27 Oct 2014 to 28 Feb 2015 - New added by cklimm on 27 October
MIn RM 20K - Updated by Lineage on 27 October

- Updated by FDInvestor on 27 October

KFH, valid from 9 October to 31 December - (New added by pinpinmiao on 11 October)

effective rates:- (updated by giko on 11 October)
(1) 13 mths = 3.760% or 3.779% if compounded. Minimum deposit fund RM10k
(2) 26 mths = 4.098% or 4.149% if compounded. Minimum deposit fund RM25k

Affin OMG is still available until 31 Dec 2014:
http://www.affinbank.com.my/General/Whats-...--Campaign.aspx

(2) Hong Leong Bank - Priority Banking's Deposit Savvy - From 4 July to 31 Dec
4% for 3 months, 75% in FD and 25% in Premium saving account.
Effective rate is approximately 3.56% (average with saving a/c rate 2.25% for 90 days).
Link: https://www.hlb.com.my/main/promotion/20140...2-deposit-savvy

Hong Leong Bank's Member-Get-Member Programme
Received sms...bring a family or friend to open Hong Leong Saving account with RM5k deposit, both get gifts. Valid until 30 June 2015- by gsc & HJebat

FD Market News
Bank Negara likely to cut OPR in 2015 - New added by spikeman on 19 December 2014
http://www.thestar.com.my/Business/Busines...-UBS/?style=biz


Banks that pay interest for non-working days - Updated on 13 Dec 2014
OCBC
Bank Rakyat
UOB
May Bank (Need to remind May bank staff to add interest)
Affin Bank - updated by cybpscyh on 12 Dec 2014

Banks that do not pay interest for non-working days
Am Bank
RHB
Standard & Chartered Bank

Bank that non-voluntary credit interest unless appeal
Public Bank (Need to complain to BNM then only pay interest)


New IBG Transfer Timing - Updated by gchowyh on 16 December 2014


Old New IBG Transfer Timing


Thanks so much to below Contributors: 
cherroy
Gen-X
munkeyflo
McFD2R - 2 contributions
pinpinmiao - 2 contributions
gsc - 7 contributions
cybpscyh - 10 contributions
kingofong
FDInvestor - 2 contributions
michaelho - 3 contributions
wil-i-am - 2 contributions
X_hunter
HJebat
guy3288
bbgoat - 10 contributions
giko - 4 contributions
nsx88
raptar_eric - 2 contributions
sylille
harmonics3 - 2 contributions
xcxa23
RO Player - 2 contributions
Styrroyds
yklooi - 2 contributions
haur
netbuzzchin
nomen
Human Nature
MGM
kinabalu
kwokwah
bearbear
gchowyh - 2 contributions
AVFAN
wr6969
kimmo88
cklimm - 4 contributions
Lineage
dEviLs - 6 contributions
Mansamune - 4 contributions
robert82
dagdag1
Ramjade
leo_kiatez
okuribito - 3 contributions
magika - 2 contributions
byshierly
BartS
hcolin
almeizer
munnie
kyenli

This post has been edited by BoomChaCha: Dec 30 2014, 11:46 PM

Warrior, I hate the feeling of regret since after missing the 5%.
I did not want to repeat this regret, so I decided to execute my "Dead or Alive plan."

"Dead or Alive plan" means I am willing to take a 5 years gamble either to earn extra FD interest or to lose some interest
for 5 years.. I had to gave myself the guts to do it...


Aiya, don't want lah.. Ha ha..

At first, the staff from MBSB branch gave me a wrong info that MBSB, CIMB and RHB would merge officially by next year January.
If the above 3 were to merge officially by next year January, then I guess MBSB would not revise the 5 years rate.

Hope this answers to your question?

Ya loh.. .. Warrior..
At that time worried this and worried that... ...But the 2 primary reasons were the 5 year tenure and no guts loh..

Oh..you answered it right to your question..
If I can remember correctly, the MBSB 5 years rate was quite fluctuating at that time..

If we place at 4.7% now, it could raise to at least 4.8% next year.. I think this is possible if based on MBSB's style and old
data.. Ha ha...

Ai yah.. one of the reasons is I cannot get leave to go lah.. Warrior..

I got 11% p.a. for 1 year FD from EON bank during that time, .. but did not buy any stocks at all..
How about you..?

This is true, nothing is perfect.
You still have at least 3 months time to observe and decide..

I am thinking to wait for 6 months from now.. So this means I am hoping MBSB
will revise their 5 years rate within 6 months; if the 4.7% no raise within 6 months, then
I will just go ahead to place 4.7% in 6 months later.. I am going to take this gamble..Warrior..

This post has been edited by BoomChaCha: Sep 9 2014, 09:12 PM

This is too bad..

IBG transfer time. Please double click to enlarge the picture:


From CIMB website:
https://www.cimbclicks.com.my/transfer-funds.html

This post has been edited by BoomChaCha: Sep 9 2014, 09:04 PM

All banks open at 9.30am, I have never heard of any banks open at 9.00am...
So it seems no way to receive money via IBG on the same day...??

But please try to look at CIMB table one more time, take a look at the top
side of the below picture, it stated Instant Transfer from
all savings & current accounts, does it mean that we can deposit the money
from matured FD to our Bank Rakyat saving account, then use Instant Transfer
feature to TT money from our BR saving account to our recipient bank accounts
so that our recipient bank accounts can receive the money on the spot?
But not sure if BR has this feature or not..?

Public Bank Saving Account Extra 1% Promo - Valid from 1 Sept until 30 Nov 2014



This post has been edited by BoomChaCha: Sep 9 2014, 11:54 PM

I see.. no wonder you were so quite for the past few days..
I thought you were having fun in somewhere so I did not want to bother you

Thanks for the info..do you know these 2 promos valid until when..?


I think so..

I think so.. but it is still hard to say..

For Am bank, if deposit amount is RM 200K or above, can get additional 0.05% (priority banking), so it will be 3.8% for 6 months.
In overall, RHB is more easy and less hassle, so RHB at 3.8% for 6 months is the best...

According to UOB, we need minimum RM 2K to open a saving account so that the interest can deposit in
saving account every 6 months; UOB also said: we can withdraw RM 1990 from the saving account in next day.
But one member said that he just put RM 20 to open the saving account.

yygo already answered to your question on his post #47..

This post has been edited by BoomChaCha: Sep 10 2014, 03:49 PM

Oh.. really uh..
I got this info about RM 2K deposit for saving account from UOB Imbi branch...


This post has been edited by BoomChaCha: Sep 10 2014, 04:36 PM

Okay.. Bro..I just called to UOB call centre at 1-800-88 9833.
You are right and I am wrong.. very sorry..

This is the update:
UOB 3.95% for 13 months, pure FD

Post#2 has been updated...

This post has been edited by BoomChaCha: Sep 10 2014, 05:13 PM

Captain, Post #2 has been updated again... Thanks for the update info

Ha ha.. very funny..


I think the same way...

Okay.. Thanks..

Aiyo...!!!...
This FD promo is really "gao lat" this time...

Link:
https://www.sc.com/my/campaign/special-rate-td/

Terms & Conditions:
https://www.sc.com/my/campaign/special-rate...ampaign-tnc.pdf

Thanks so much for this FD info..
I am updating this promo on Post #2 now...

Ya loh.. This promo is only available for 10 days only wor..

It seems to be a pure FD but just need to open a saving or current account
for the purpose to deposit the FD interest..

Oh..This is the best FD promo so far..

This is true.Ai...This is what I am worried about also..

If Standard & Chartered Bank can extend this promo, it can create a big FD war
for all banks.. And this is what we would like to see...

If you want to place FD in RHB, Rentas to RHB saving account can be accepted as fresh fund
for RHB or for other banks or not..?

Thanks for the info.. I will do the same way next time

You can always re-open your saving account, I do not think this is the problem.
The only problem is the promo duration is too short..

Thanks again..

Whether can manage to place this FD or not, this depends on FD maturity timing
and also the extra fund available for this FD ..

RHB 15 months promo is 4.10% effective rate; while Affin 15 months was 4.05% (closed)..Right..?
Thanks for the efforts..

This post has been edited by BoomChaCha: Sep 11 2014, 04:54 PM

RHB 15 Months FD Promo, this one..