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 Fixed Deposit Rates in Malaysia V7, Please Read Post# 1 & 2

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bearbear
post Sep 6 2014, 09:22 AM

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reporting in...best pidm deal now uob 13m?
bearbear
post Sep 10 2014, 12:50 PM

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QUOTE(haur @ Sep 10 2014, 12:49 PM)
Hi guys, I just called UOB regarding the 13 months 3.95% and the lady told me it's a pure fd. Confused now..... ....
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what to be confused?
bearbear
post Sep 11 2014, 08:55 AM

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Hopefully when i am back 300 Mil not accomplished yet sweat.gif

Otherwise, brilliant deal thumbup.gif
bearbear
post Sep 11 2014, 05:05 PM

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Depend on what you do with it, RHB deal can go up to 4.14%

RHB 15m step up - 4.14%

Normal standard calculation

((3.48/1.05) + 3.68 + 3.88 + 4.08 + 5.38))/5 = 4.067%

This post has been edited by bearbear: Sep 11 2014, 05:08 PM
bearbear
post Sep 12 2014, 03:53 PM

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QUOTE(bbgoat @ Sep 12 2014, 07:37 AM)
You are good !  Get the money to work for you !  notworthy.gif
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poor need to work harder smile.gif
bearbear
post Sep 14 2014, 07:26 PM

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QUOTE(lowya @ Sep 14 2014, 12:50 PM)
like put the 5% lockup in junior saver?
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sorry what 5% lock up?

i already linked my calculation, you withdraw as they pay you interest every 3 months and place as new fd.
bearbear
post Sep 15 2014, 12:31 PM

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at scb now for 15m deal, Casa need rm 20. quite crowded due to the promo
bearbear
post Sep 15 2014, 01:30 PM

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QUOTE(BoomChaCha @ Sep 15 2014, 12:44 PM)
Can you ask SCB if any gift?
If it is inconvenience for you to ask then never mind..

About 2 years ago, SCB offered Philips 42" LCD TV for placing some big amount of FD
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taiko i ikan bilis only how to ask for gift lol
bearbear
post Sep 15 2014, 05:59 PM

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QUOTE(Human Nature @ Sep 15 2014, 05:35 PM)
Managed to dig out 20k and placed at SCB, 15 months promo. Really crowded and took 1.25 hours but it is ok coz the staff is so  blush.gif

They really psuh hard their Just One account but I managed to open the basic SA, RM20 min deposit.

Forgot to ask about free gift at all but what i like is, they give your slip in a nice plastic slip.

If the OPR remains the same, i hope SCB extend this promo.
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queue for like 30 mins, then the whole process (i am new to bank) takes another 30 mins. not fast but better than ocbc and yes alot of eye candy as well lol

u worried me a little bit with the just one acc i totally forget to instruct for most basic acc (see what eye candy did?) anyway i checked mine and is just one saving acc, dont think it is complex aite? since they only ask 20 bucks from me to deposit.

btw did u asked how they will pay the interest? i asked and the lady claimed full at end of tenure. the slip state for 〉12 months it will be paid every 6 months?

This post has been edited by bearbear: Sep 15 2014, 06:02 PM
bearbear
post Sep 15 2014, 06:06 PM

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QUOTE(Human Nature @ Sep 15 2014, 06:03 PM)
yup, a straight forward account. they even give a passbook  rclxms.gif

ops..didnt ask about how the interest will be paid..maybe later i email to the staff, i asked for her name card  biggrin.gif
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need to learn trick from sifu liao. she asked for mine and i forget to ask in return sad.gif
bearbear
post Sep 15 2014, 06:58 PM

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QUOTE(davinz18 @ Sep 15 2014, 06:43 PM)
u open "JustOne Personal Savings Account" for only rm20? not 1.5k as stated on their website? hmm.gif
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yes no current acc, just saving acc and only deposit 20 bucks.
bearbear
post Sep 17 2014, 06:28 PM

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QUOTE(DarReNz @ Sep 17 2014, 05:43 PM)
since it is 4.25 p.a so the remaining 3 months 4.25 divide by 12 x 3 equals 1.0626, add them all up is 5.31%
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please dont give idea to bank to mislead us tongue.gif

you committed 15 months so effectively still 4.25% p.a. only.

This post has been edited by bearbear: Sep 17 2014, 06:29 PM
bearbear
post Sep 18 2014, 09:35 AM

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like i said, stop giving bank new idea to con mad.gif tongue.gif
bearbear
post Sep 18 2014, 10:20 AM

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QUOTE(michaelho @ Sep 18 2014, 10:02 AM)
latest from Ambank - 5months @3.85% . Straighforward, no CASA

according to branch, promo started yesterday and will run for a month. No brochure sad.gif[attachmentid=4137612]
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Very good deal for short term biggrin.gif
bearbear
post Sep 18 2014, 10:36 PM

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QUOTE(bearbearwong @ Sep 18 2014, 10:31 PM)
any idea of Standard chartered? some 4.25% izzit? but fresh funds
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as real as it gets, promo expiring tomorrow
bearbear
post Sep 18 2014, 10:36 PM

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QUOTE(bearbearwong @ Sep 18 2014, 10:31 PM)
any idea of Standard chartered? some 4.25% izzit? but fresh funds
*
as real as it gets, promo expiring tomorrow
bearbear
post Sep 22 2014, 11:03 PM

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QUOTE(nexona88 @ Sep 22 2014, 09:55 PM)
Ha.. to catch & lock-up "cheap" money b4 OPR rate change year end  :w
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well the other promo are a good 0.2% off from this promo.
bearbear
post Sep 23 2014, 10:35 AM

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QUOTE(cybpsych @ Sep 23 2014, 09:36 AM)
OCBC #1 indeed. went there for the 1st time, already got eye-candy from the trainee and counter girls  wub.gif

back to topic, OCBC rep also trying to upsell FD-investment-insurance -linked package. since their relationship with GE insurance, they pushed it to their banking customers. vmad.gif

told him i only wanted a basic SmartSavers account to monitor my home loan balance via Internet Banking (free ATM card, cuz i dont want debit card which is chargeable)  laugh.gif
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i am a simple guy

OCBC eye candy but wait too long

SCB eye candy but wait not too long

SCB any day for me tongue.gif
bearbear
post Sep 29 2014, 11:55 AM

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QUOTE(xcxa23 @ Sep 29 2014, 11:20 AM)
Last week, I jz deposited FD in hlb.
I notice on 2nd post there's no info about 13 month@3.9%
(I believe is a revised plan as the branch manager said so, she jz took an existing flyer and cuts off the printed interest rate and offer 12 month@3.85% and 3.9% @13months)

Sorry I forgotten to snap some pic but u guys can go ask if interested.
Also not necessarily nd fresh fund.
Existing fund is ok provided top up (fresh fund) min 10k.
Also option add on is available as well..
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just curious, why choose hlb over sc? smile.gif
bearbear
post Oct 6 2014, 07:47 PM

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QUOTE(kslee79 @ Oct 6 2014, 07:05 PM)
OK, cutting the chase - which bank actually offer no-gimmick highest interest rate for FD? Some say Bank Rakyat, some day MBSB... Sifu please elaborate and help out a noobie here...
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mbsb 5 years 4.7%

scb 18 months 4.25%
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