I would think so. And what funds you talking about bro? You are in debt, no positive funds.

Do what you are doing now to get to positive territory soonest possible.

Bro, from what I gather above, yah does not make sense to go with FD.

By the way, 

1. If you settle the loan now got no savings at all? Sure got interest savings on the outstanding loan amount.
2. your loan will be interest FREE? Or is it the interest earned in your CA will offset interest imposed? Thus you earning nothing.

If you ask me, settle the loan and be debt free and upon settling the loan, your net worth is already in positive territory, i.e. worth of the property and no liabilities. And more importantly since you no more debts, you no longer working for the bank.

I am kind of blur on loans maybe other can be of assistance especially our financial guru and Mod cherroy or maybe you should go ask those in Flexi Loan Thread.

MBB promo:

3 mth FD promo is 3.87% (step up), min 50k

12 mth FD 4% with upfront interest  min 25k
No, PBB step up is 3.68% + 4.08% (ur typo error ?). Effective rate is 3.88% only.

For MBB, try to ask and convince them the fund has to do with the 3 banks. If not UOB 4.05% 12 mths is the second best one so far. 

MBB good point is upfront interest paid immediately. That can work out to be higher than UOB's 4.05% if you used the paid interest for another FD. But you cannot go wrong with UOB's 4.05% 12 mth FD.   

To all sifus,

I want to get some opinions from you guys.
Currently my credit card debt approx 15k, and I dont have any FD with me.
But I have my EPF acc 2 that able to settle up my CC and I plan to withdraw all and balance put in FD.(because can withdraw one time only,if i sell away my first house then different story)
Any suggestion that I can get from you guys?

can't seem to find any info on uob website regarding the 12 months 4.05% fd, can just go to the bank and ask? or it's under counter too?

anyway is there other better options other than uob? for 12 months.

Noted you guys posted at 11+am yesterday, I have yet to even leave the house. Boy, you guys really impatient and expect me to report immediately, like me ex-boss. I more like kuli than captain here

Anyway, I did go to a branch that has a Premier Wealth Relationship Manager and I tell you the experience was actually very good. I am going to write about it in my upcoming article. Now I have two items to write about. In the meantime, here's a brief report:

1. At MBB reception counter, told the lady I wanted to enquire about Premier Wealth Banking and FD.
2. Was referred to a Relationship Manager.
3. First thing RM asked was my NRIC.
4. She then key in my NRIC No. into the system and was happy to note what was stated in there. And she immediately inform me that she was inviting me to be a MBB Premier Wealth Customer and will get HQ to sent me a card where I'll entitled to all the privileges of a Premier Wealth Customer. Now, I have not deposited a single sen yet. Freaking good service I must say. I will elaborate this later in my upcoming article.
5. I then proceeded to the matter of interest to me, i.e. FD. She showed me a FD promo which was very attractive but then said she has to check if quota is finished!
6. I then asked her about the 4% upfront FD targeted to attack the 3 banks. I told her I have RHB account and like I said earlier, I took my RHB PB cheque book as proof. I then asked if I can use my HLB Personal Cheque to place the FD. She said that should be ok but requested that I allow her to photocopy the slip in front of my cheque book which showed my name and account number (this slip is supposed to be teared off but I never bothered to do so).
7. She then took the slip and my IC and told me to wait.
8. She return and presented me several FD options and started to brief me. She said that for the 4% Upfront, I can withdraw the dividend credited to my Savings Account and place into another FD immediately (like what bbgoat reported earlier).
9. I did not deposit a sen yesterday and I even said that I may stick with HLB if they can offer me good rates but yet she spent close to an hour chit chatting with me. We talked about numerous deposit products where I actually learned some useful stuff and she offered to assist me in getting increase for my MBB credit card Credit Limit (which is tough since I don't have any salary slips). I tell you, this sweet MBB RM is better than all my other RMs from other banks who seem to always be in a rush.
To reiterate - my soon to be RM said I can withdraw the dividend deposited into CASA immediately and use it to place another FD on the spot. bbgoat also mentioned this before.
I have the same idea Bro if I am to go with MBB.
Bro, 3 months 6.9% sounds great but I confuse, must buy the Prudential Insurance or not?

Bro, Statement Based Accounts do not issue any cert for FD but they do give you a piece of useless paper for your records when you place a FD.

How come you only get Statements from UOB every 3 months? I get them every month!
Firstly, UOB and OCBC do not issue any certs for FD because they are Statement Based. The paper that is issued to you when you place your FD is only to notify you that UOB did indeed receive a FD placement and apart from this, it is useless.

Whenever I want to place or withdraw FD from UOB, I don't need to bring any documents. All I need to do is give them my NRIC and their system will show all my FDs account info, and from there I can tell them what I want to do with each account.
As for the second question safe or not, well, if you had read the last few pages of this thread you would have got some idea.

If your FD is in your name only, then it is very safe as only you can go uplift/withdraw the FD. Nowadays most banks will need our NRIC and our thumb print for any type of withdrawals. However, if joint account and anyone can sign, then there is always a risk that any of the signatories can go uplift withdraw the FD without prior knowledge of the other party.

I did mention earlier that Statement Based FD is not secured for joint accounts (where anyone can sign) as anyone can go withdraw/uplift the FD anytime without prior knowledge of the other party. And by the time the other party finds out, it be to late and they can do nothing.

Below are posts you would have read if you had taken the time to read them.
So, in conclusion, do not sign up for joint account where anyone can sign if you don't trust him/her or not willing to to "give" him/her the money sooner than planned.

CIMB has not been aggressive for FD promo as far as I know for past few years. 
I don't think so. I did not see the option in the online account. 

Yes, you are absolutely correct 

Actually, with a cheque, you can instruct the bank what you want to do with it.

For example you have a RM28,000 cheque payable to yourself (i.e. you name as per NRIC) and you want to enjoy UOB's 3 and 12 months FD promos.

At UOB, you can instruct the teller that with the RM28K cheque on hand, you want to place 3 months FD amounting to RM10K and the balance RM18K with 12 months FD.