Did not realize moved to new V7.

Called to RHB Bank. Only left FD promotion, 6 mths 3.80% and 9 mths 3.85%.

Looks like the 13 mth at 3.95% is best deal at the moment, for 12/13 month FD.

BCC, the RHB 6 mth at 3.8% may be a good one while waiting out for any OPR change.

No wonder I have been keeping the V6 thread open and the last posts were from you !

Captain, thanks for opening the new thread and updating all the info ! I think it is better to mention that new thread is open so we can all move over at the end of old thread. I only know it when I looked up and saw "Closed".

Will be going to RHB tomorrow and will ask them.

BR has RENTAS but only for corporate or company account user.

This post has been edited by bbgoat: Sep 10 2014, 08:34 PM

Ha, I was in BR about 2 weeks ago to uplift my FD. I asked for RENTAS, but the counter girl said only for company account.

Was your RENTAS done recently ? Other than individual account, do you also have company account ? Need to query BR girl on this as I lose out 1 day to place my FD. Unless this again is another BR branch policy implementation issue.

Wow, 4.25% is very attractive ! I have BR FD maturing on 18th. If can do RENTAS than may be able to catch it on 18th. But again if the bank met the 300 mil target, this will be gone !

In RHB Bank today and talked to the branch manager. The 6 mths and 9 mths FD promo is until Dec end.

One more surprise ! The 15 mth step up FD promo with equivalent FD rate of about 4.05% is extended till end Sept !! The manager told me they just received email from HQ about the extension. This one is with 5% in CASA for 3 months.

Of course SC offer of 15 mths 4.25% is still the best deal so far.

No, RHB Bank 4.10% is NOT counting the 5% into CASA. So I think bearbear or someone calculated that it is about 4.05% effective rate. Actually in RHB Bank to do some transaction not related to FD.

Affin's one already closed.

Ya, the RHB manager showed me that brochure and said 4.1%. I corrected him on the CASA requirement.

I told him we have this forum where we discussed on effective rate. I have to thank bearbear for showing an easy way of calculating the rates.

This post has been edited by bbgoat: Sep 11 2014, 05:37 PM

Ha ha !

The manager mentioned he just received the email. Yesterday when I called, the officer told me only on 6 mths and 9 mths promo.

You are good ! Get the money to work for you !

All are just guesses, final one wait for 18/9.

Nego wise, it depends on the bank, some bank may give more (like BR), some zero. SCB offer is the best so far !

No bullet yet until next week. It may be gone before the Friday deadline if they hit 300 million.

It is still 4.25%. It is a straight FD. Unless I miss out something ?

OK, thanks. If the minimum amt to open SA is RM20, that should not affect the effective rate that much (esp if the FD deposit is much bigger than 5k).

Ha ha, must be really BIG BIG amount !

Wasai, Captain, frequent flier fly fly away again !

Have a nice trip !


Out of my league/reach !

Unless have xx M, then may put in one single bank 1M.

Ah ChaCha, my thinking is between 15 mths 4.25% and 5 yrs 4.7%, diff is 0.45%. Time lock in diff is 3 yrs and 9 mths. With impending OPR change, the 0.45% over nearly 4 yrs lock in is not that attractive. Unless MBSB revise the rate ..................

That is just my opinion.

It would be interesting to see if US raise the interest rate this Wed (US date) and then BNM meeting this Thursday.

This post has been edited by bbgoat: Sep 16 2014, 03:06 PM

I think the 4.25% 15 mths is good enough for me. Grab it before it goes.