yes, chinese can apply for islamic fd too

15mths 4.25% at Standard Chartered before 19th September.
12mths 4.0 %.

These must be the highest RATES offer at this time for PIDM Bank Deposits.

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%

Just discovered RHB allows to withdraw FD in all branches nationwide.

But do not understand why sometimes when withdraw FD, bank will ask where am I going to bring the money to?
Is it a Bank Negara requirement?

Just wanted to spread out my FD in different banks.

Actually FD return is not that good. I was quiet for a while because I invested into property last year and I get 20% to 100% return.

Have RHB 15 mth step-up FD maturing. After some calculation, found worth it to terminate it and move to Affin 2 yrs 4.38% or AmBank 3 yrs 4.5%. That is the beauty of the step-up FD with no penalty on termination upon maturity. RHB step up rate changes every 3 mths. Cherroy has rightly pointed this out some time ago. That we can move the FD out if there is better rate elsewhere with no penalty.   

Depends on how you look at it. A quick way to decide is RHB step up effective rate is about 4.06%. So comparing with 4.38% & 4.5% rate, then  you decide. But of course for longer terms. Also if the extra amt "earned" is worth the effort.