Just Fyi,
With newly announced Euro QE, high quality bond in Europe are approaching zero and Nestle bond matured at 2016 is at negative yield, -0.004%. 

Thailand, Sg are facing deflation, so can expect slash in interest rate and loosely monetory policy.
India was slashing interest rate previously as well.
RBA also just slashed rate to 2.25% recently.

After the rise of terrorist group ISIS, the deposit taking documents became more rigid. I guess it was mainly due to anti terrorist and money laundering. Certain "high risk" profession or nature of business of the depositor may face rejection or requires HQ approval to open a deposit account.
That explained why one forumer reported here recently that a bank rejected his FD placement cited reason "run out of FD account number".  I may be wrong though.

Ambank also has such FD bundle w UT where 3mths FD 11% or 6mths FD 7%, who dare 

More details on BR 4.5%?

Ah Goat Ah Sir, I just called to SCB Help Line at 1-300 888 888, the Leng Chai Rep said that
both conventional & Islamic 15 months 4.5% FDs were no longer available wor... 

The leng lui yesterday morning said no more 4.5% FD. Then late 10pm yesterday said she received an email saying Islamic FD 4.5% available. So likely it is a new info. Tomorrow will ask her again. 

Ah Sir, can you also ask your Leng Lui RM this Islamic FD 4.5% available until when..?
What is the min deposit? Thank you Ah Sir...
I have no RM to ask since my RM resigned last year December..

In BR today to uplift FD. Heard that they have one promo for 2 years 4.4% min 10k. But must be FRESH fund. FD renewal not entitled to the 4.4%.

Also some gold plated stuff, please see attached document.

They are preparing to send out hampers this year. But do not have high hope for it as last 2 years hampers in Penang are of low value.  Still better than no FREE hamper. 

is there link to scb 15mth 4.5%? can't seem to find it

CIMB bank 1month 9.18% FD? Really? How does it actually works? Mind to explain further? Thanks.

In BR today to uplift FD. Heard that they have one promo for 2 years 4.4% min 10k. But must be FRESH fund. FD renewal not entitled to the 4.4%.

They are preparing to send out hampers this year. But do not have high hope for it as last 2 years hampers in Penang are of low value.  Still better than no FREE hamper. 

Have moving out my BR FD for the last few weeks, today i make one deposit for the  4.4% 2yr FD after reading about it here by bgoat, but alas found out there is no monthly interest, so is nothing great also.
At least SCB 4.5% got 6 monthly interest.

And i got the CNY hampers today.

Ah Boom Ah Sir, the call centre did not give you the correct info. 

As I mentioned, the leng lui confirmed again today (you gave me excuse to talk to the leng lui  ), that the Islamic FD 15 mth 4.5% is available. Min 5k, until 31/3. Please note Islamic FD, the conventional one was ended last Friday.

    scb islamic 4.5% until when? any t&c?

For the SCB Saadiq Term Deposit-i, interest rate for 9M is 4.25% and for 15M is 4.50%. This promo is until 31 Mar.

The info and T&C can be found HERE

wonder how strict they are about this condition. what if we already put money into the recent 4.5% conventional fd?

Bro, the T&C states new to bank - are you existing customer?

bbgoat, fingers crossed they will be accommodative... who knows 

SGD and AUD almost dollar for dollar.....

As for should you hold on to USD, I don't know because if you see previous charts, it goes up and down. As for SGD, aeiou228 pointed before, it's on the uptrend like forever, hahaha

As for AUD, as far as I know, RBA still wants it to go lower. In 2008 AUD/USD went as low as 0.65 and AUD/MYR 2.2. But I not so greedy, when reach AUD/MYR 2.5 or below (TT rate) I will transfer my funds and go buy a property (it's like I'll be getting 30% discount from AUD/MYR at 3.3 in 2012 to 1st quarter 2013).

And talking about inflation, because of the high USD relatively to RM, we can expect imported goods prices to increase... e.g. new cars.

Bro I know what investment is fool proof... Rolex watches, hahaha

Above may be OT to some, but if RM weakens further... we all will be wishing we have converted our RM to USD or SGD   

My conclusion is Gen-x get higher return through exchange rate than from FD rate...   

tq for comments.

aud/myr 2.5? that must be a long time ago, briefly? i wud think rm2.70 is a more realistic target as aussies at this time seem to be resigned to aud=0.75usd, so i read...

sgd... sg gomen been easing a bit, so may not get too strong. still, sgd on par with aud = rm2.70 is realistic!!

anyway, will keep monitoring.

i think 4.5% 15m is the best at the moment. i got maturity coming up in early march lah. what's my alternatives ? even BR only 4.4% for 2 yrs. pbb step up also gonna end 28/2

hehe anyone else got love letter from BR to top up?? ask me to top up else kena charge "fi" hahaha frankly can give them back lah no biggie 

What benefit does BR exclusive card provide?

hahaha good question... afaik, they say they go to your house to pick up your transaction documents, free coffee, use of mtg room & free parking in their HQ (branches got how many parking slots??) and I dunno what else