Ooo ic. Then i need to go many banks.

Ya loh.. Then I just go for SCB hopefully this promo is still available on 19th..
Ha.. ha.. let's say if BNM makes announcement to raise the OPR on Thursday.. then how..? 
If this happens, I think I still need to go for SCB on 19th because do not know when will other banks
to take action to react to this OPR change..?

Do you want to go for SCB 4.25% for 15 month?
Or 4.00% for 12 months?

I will go for 15 months..

in my opinion, take 6 months FD is better than 3 months FD to cope with future OPR change..

What about putting 3 months, then wait for the Nov meeting. 6th Nov meeting, got 1 week for the banks to react.

as real as it gets, promo expiring tomorrow

As you wish, SCB has extended the FD promo until 31 October 2014: 
This time SCB want to hit RM 500 Million target.. 

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

just did a quick search in Google

https://www.sc.com/my/saadiq/deposit-rates.html

https://www.sc.com/my/_documents/islamic/pf-i/pfi_tnc.pdf

nah
http://www.wisegeek.com/what-is-plastic-resin.htm

The next OPR increase might even get a better deal than this.