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 Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2

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cybpsych
post Feb 28 2015, 10:23 AM

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CIMB Investment Bundle Campaign
Campaign period: 2 February to 30 April 2015

Enjoy promotional Fixed Deposit rates when you bundle a conventional Fixed Deposit with any participating conventional Equity Unit Trust fund.

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*Minimum placement of RM20,000 to be equally divided between a conventional Fixed Deposit and conventional Equity Unit Trust fund.

More Info: CIMB | T&Cs (EN) | T&Cs (BM)
cybpsych
post Mar 3 2015, 07:13 AM

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Hong Leong Bank - Business Deposits - Boost your returns up to 5.20% p.a.

“Biz Flexi FD Step-Up 180-days” Campaign
2 March 2015 - 31 May 2015

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cybpsych
post Mar 13 2015, 07:08 PM

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Maybank FD "DOUBLE 6 (6+6)"
25 February 2015 - 25 March 2015

Tenure*Promotional Rates (% p.a.)Effective Rates (% p.a.)Prevailing Board Rate
1st 6 Months3.604.103.25
Next 6 Months4.604.103.25
Note: The placements are applicable over the counter only at any Maybank Branch in Malaysia.
*Should there be any Overnight Policy Rate (OPR) change; the offer rates may be revised.


More info: Maybank | T&Cs
cybpsych
post Apr 3 2015, 06:57 AM

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OCBC Start Saving Deal Promotion
1 April - 31 July 2015

Double Savings Deal: 4.30% p.a. for 3 months FD + equal amount in CASA (earmarked 3 months), min RM5k fresh fund

T&Cs http://www.ocbc.com.my/assets/pdf/Accounts...eal_general.pdf
cybpsych
post Apr 15 2015, 10:43 PM

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HLB 3-month Fixed Deposit Promotion
8 April 2015 - 30 June 2015

3-month @ 3.80% p.a. (3.85% p.a. for Priority Banking), min. RM10k fresh fund

More info: HLB | T&C (English)

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cybpsych
post Apr 18 2015, 06:08 AM

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Maybank Fixed Deposit (FD) "Double 4 (4+4)" Campaign
5 March 2015 - 24 April 2015

1st 4 Months @ 4.00% p.a., Next 4 Months @ 4.28% p.a. | RM10k (individual) fresh fund | Over-the-Counter placement | open to Maybank and Maybank Islamic Banking customers

More info: Maybank | T&Cs


Added on

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Maybank electronic Fixed Deposit (eFD) 2015 Gold Pendant Campaign
17 April 2015 - 16 July 2015

eFD Tenure: For 2 months to 11 months ONLY, Conventional scheme only

1st Reward System : Campaign Interest Rate
RM250k and above @ additional of 0.30% p.a. above the prevailing board rate

2nd Reward System: Prizes
Gold Pendant @ random draw of 50 winners at the end of the campaign period
1X entry for every RM50k, 2X entries for all new eFD account opened during the campaign period
Note: Every multiple of RM50,000 is equivalent to 1entry, e.g. RM250,000=5 entries; RM330,000=6 entries

More info: Maybank | T&Cs

This post has been edited by cybpsych: Apr 18 2015, 06:09 AM
cybpsych
post Apr 19 2015, 11:06 AM

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Maybank Fixed Deposit (FD) JOY 3 Campaign
5 March 2015 - 30 April 2015

1-2 months @ 3.55% p.a., 3rd month @ 4.55% p.a, effective 3.88% p.a. | RM25k fresh fund

More info: Maybank | T&Cs
cybpsych
post Apr 19 2015, 11:59 AM

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QUOTE(Bonescythe @ Apr 19 2015, 11:46 AM)
Pb bank deal is better.
20k.. effective rate 4.18% for 1 year..
4.08 for first 6 mths, 4.28% for another 6 mths.
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compare same tenure la. u compare a 3-month vs 12-month, sure different la.
cybpsych
post Apr 19 2015, 03:32 PM

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QUOTE(nexona88 @ Apr 19 2015, 02:35 PM)
Note: *Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised  rolleyes.gif
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this is new? all FD terms n conditions have this statement .
cybpsych
post Apr 21 2015, 05:09 PM

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QUOTE(zenwell @ Apr 21 2015, 03:05 PM)
what's the min fund required? any other T&C?
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OCBC updated their Start Saving Deals again thumbup.gif
valid until 31 July 2015

Double Savings Deal: 3-month @ 4.50% p.a. + equal amount in CASA (earmarked 3 months), min RM5k fresh fund

Fresh Deal: 6-month @ 4.00% p.a., 12-month @ 4.20% p.a., min RM5k fresh fund

Fresh Deal: Tiered interest rates - First 6 month (180 Days) @ 4.00% p.a. & subsequent 6 month (180 Days) @ 4.40% p.a., min RM5k fresh fund

Full tenure of the promo FD tenure of 360 days must be completed.
Interest earned in the first term of 180 days will be automatically added onto the principal and rolled over to the second term of 180 days.
Interest for this Promotion is payable at the end of the second term.

Updated T&Cs: http://www.ocbc.com.my/assets/pdf/Accounts...eal_general.pdf

This post has been edited by cybpsych: Apr 21 2015, 05:30 PM
cybpsych
post Apr 22 2015, 05:22 PM

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QUOTE(cybpsych @ Apr 21 2015, 05:09 PM)
OCBC updated their Start Saving Deals again  thumbup.gif
valid until 31 July 2015

Double Savings Deal: 3-month @ 4.50% p.a. + equal amount in CASA (earmarked 3 months), min RM5k fresh fund

Fresh Deal: 6-month @ 4.00% p.a., 12-month @ 4.20% p.a., min RM5k fresh fund

Fresh Deal: Tiered interest rates - First 6 month (180 Days) @  4.00% p.a. & subsequent 6 month (180 Days) @ 4.40% p.a., min RM5k fresh fund

Full tenure of the promo FD tenure of 360 days must be completed.
Interest earned in the first term of 180 days will be automatically added onto the principal and rolled over to the second term of 180 days.
Interest for this Promotion is payable at the end of the second term.

Updated T&Cs: http://www.ocbc.com.my/assets/pdf/Accounts...eal_general.pdf
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QUOTE(Nauts @ Apr 22 2015, 04:12 PM)
Btw ocbc 4.2% until when?
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cybpsych
post Apr 28 2015, 06:52 AM

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QUOTE(Gen-X @ Apr 21 2015, 10:17 AM)
I just got a call from Maybank, they have a new FD Promo 3+3+3 starting today BUT I cannot remember the effective rate  doh.gif Will update later this evening as I'll be seeing my RM later.
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QUOTE(Gen-X @ Apr 21 2015, 05:01 PM)
Earlier I mentioned MBB got new Promo 3+3+3 - total 9 Months. The effective rate works out to 4.15%
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QUOTE(wil-i-am @ Apr 25 2015, 11:29 AM)
Placed RM10k with Maybank yesterday under their promotion 3+3+3 with effective interest rate of 4.15% pa
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Maybank Fixed Deposit (FD) TRIPLE 3 (3+3+3) Campaign
21 April 2015 - 21 May 2015

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More info: Maybank | T&Cs
cybpsych
post Apr 28 2015, 02:04 PM

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QUOTE(MoneyMaker prince @ Apr 28 2015, 11:32 AM)
you mean 5%pa for 3 month deposit?

That is very good
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This promotion is open to new HSBC Advance customers who open an HSBC Advance account during the Promotion Period

Source: http://www.hsbc.com.my/1/2/hsbcadvance/pre...trust-promotion
cybpsych
post May 6 2015, 01:54 PM

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QUOTE(cybpsych @ Apr 21 2015, 05:09 PM)
OCBC updated their Start Saving Deals again  thumbup.gif
valid until 31 July 2015

Double Savings Deal: 3-month @ 4.50% p.a. + equal amount in CASA (earmarked 3 months), min RM5k fresh fund

Fresh Deal: 6-month @ 4.00% p.a., 12-month @ 4.20% p.a., min RM5k fresh fund

Fresh Deal: Tiered interest rates - First 6 month (180 Days) @  4.00% p.a. & subsequent 6 month (180 Days) @ 4.40% p.a., min RM5k fresh fund

Full tenure of the promo FD tenure of 360 days must be completed.
Interest earned in the first term of 180 days will be automatically added onto the principal and rolled over to the second term of 180 days.
Interest for this Promotion is payable at the end of the second term.

Updated T&Cs: http://www.ocbc.com.my/assets/pdf/Accounts...eal_general.pdf
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QUOTE(harmonics3 @ May 6 2015, 01:28 PM)
just withdrew matured bank rakyat FD and transferred the money through IBG, kena 2.12 charges (with 6% GST). They no longer waive the IBG fees.

When is this 6+6mth OCBC FD promo ending?
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cybpsych
post May 6 2015, 05:39 PM

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QUOTE(Dkck @ May 6 2015, 02:56 PM)
Dear all sifu,

Got one question for OCBC FD

Let say i have 30k cash in my hand and 30k inside OCBC smart saver acc currently.

The 30k cash i only need it by next week , if i put my 30k cash into FD today and get the 4.2% for 12month and then i withdraw the 30k on my smart saver account on Friday ( 2 day after FD placement ), do i still enjoy the promotion rate for my FD?
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which OCBC FD are you referring that offers 4.2% for 12-month tenure and need CASA?

from the list: http://www.ocbc.com.my/assets/pdf/Accounts...eal_general.pdf

4.2% p.a. for 12-month tenure is a straightforward FD (without CASA). The one with CASA requirement, only 4.5% p.a. for 3-month tenure.
cybpsych
post May 7 2015, 08:10 AM

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QUOTE(kit2 @ May 6 2015, 06:54 PM)
item 3.5, 180days + 180days.

i went to ocbc last week for 1 year FD, but was surprised to see the tenure of 360 days printed on the receipt.
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but the 6+6 month is straightforward FD, no CASA required?
cybpsych
post May 8 2015, 07:03 PM

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QUOTE(Johore @ May 8 2015, 05:47 PM)
whut is the disadvantage for this 3month OCBC?  notworthy.gif
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u need equal amount earmarked in CASA, which gives low interest. might as well use this amount on other FDs instead smile.gif
cybpsych
post May 8 2015, 07:16 PM

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Maybank Fixed Deposit (FD) JOY 2 (2 Months) Campaign
5 May 2015 - 31 May 2015

1st month @ 3.50% p.a. | 2nd month @ 4.00% p.a | effective rate 3.75% p.a. | minimum fresh deposit of RM25k (individual)

More info: Maybank | T&Cs

cybpsych
post May 8 2015, 07:52 PM

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QUOTE(cklimm @ May 8 2015, 04:46 PM)
MACH by HONG LEONG
6 months-3.85%pa
9 months-4.00%pa
*
Thanks! thumbup.gif

Promotion Period: 9 May 2015 - 31 July 2015
Minimum Placement: RM1,000

More info: Mach by HLB | Terms & Conditions

This post has been edited by cybpsych: May 8 2015, 07:52 PM
cybpsych
post May 11 2015, 05:19 PM

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QUOTE(dEviLs @ May 11 2015, 04:21 PM)
i think in terms of interest for basic normal saving account, no bank can beat m2u savers  biggrin.gif
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QUOTE(BoomChaCha @ May 11 2015, 04:25 PM)
Thanks for the info..  notworthy.gif

So, m2u savers is number 1; and Affin is number 2..?  hmm.gif
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if one can consistently bank-in at least RM1k and without withdrawal, OCBC's SmartSavers is the best biggrin.gif

for flexibility on withdrawal, yes, Maybank2u Savers is better wink.gif


I'm having both savings accounts (alongside FDs) to spread the "liquidity" of my funds:

M2U Savers (short-term) > OCBC SmartSavers (short to mid-term) > eFDs (mid-term) > FDs (long-term) thumbup.gif

This post has been edited by cybpsych: May 11 2015, 05:19 PM

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