Are you sure?  I call brand yesterday afternoon and was informed no new promotions.

change when OPR change?

i thought its FIXED deposit with interest rate FIXED.

So how about those fd with say 4.2/year? Will the interest rate change even though you put for for 1 year? I am not talking about those step up

Traditionally bank will fix the interest rate irrespective of changes in OPR. Some banks even printed out the interest you will get and hence it is very save to say the interest rate once agreed upon is casted.

However, last year Public bank came out with a step up interest rate and the FD agreement clearly written the interest rate may change when there is a change in OPR.... The following is the clause...

4.6 The promotional interest or profit rate (whichever applicable) will be subject to revision should there be any Overnight Policy Rate (OPR) change. The revision of rate may impact any of the promotional interest or profit rate (whichever applicable) i.e. first 3-month rate or first rollover rate or second rollover rate......

4) if OPR revised up/down before you depositing the fund, bank may revise the promo rate (4.2% p.a.) accordingly (with/without notification). then your placement may not be getting 4.2% p.a. anymore (could be higher or lower than published rate)... or perhaps no changes.

Hello newbie here,
Anyone know what is the current FD for Hong Leong bank?
And how to count FD income?

Sigh, I missed out SCB FD promotion (4.5 % for 15-month tenure) and Affin FD promotion (4.38 % for 24-month tenure). I glanced through the first 2 post of this thread, and the current rate of about 4.2 % is not as attractive as SCB.

My desired FD (with PIDM):
Tenure: 1 year or more.
Amount: RM 5000 to RM 10000
Desired Interest Rate: Same or more than 4.2%  
With no requirement of having some money in CASA.

I have narrowed the options to CIMB, Public Bank and OCBC.

1) As for OCBC (effective interest rate is 4.2 %), it is mentioned here that the 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. So, is it applicable as well to CIMB and Public Bank?

2) Which FD will suit me better?

3) Can I specify the instruction that upon maturity, the principal and interest of the FD will automatically credited to my basic saving account?

4) Assume that I use IBG to transfer the fund to my saving account. Once the amount is reflected in my saving account and I use it to place the FD on the same day, can the fund be treated as a fresh fund?

Thanks for the advice. 

Maybank Fixed Deposit (FD) TRIPLE 3 (3+3+3) Campaign
21 April 2015 - 21 May 2015



More info: Maybank | T&Cs

Maybank, RHB and UOB seldom advertise their straight forward FD Promos Interest Rates in their websites.

If you walk into a RHB or UOB branch, usually they will have some pamphlet on their FD Promos and most of their staff are briefed on the promos.

However, for Maybank's case, not everyone in the branch may be aware what FD promos are being offered. Sometimes, Maybank can have more than 3 FD promos running concurrently, and in some instances, similar FD promo for conventional and Islamic banking. Click here to read my article Get More FREE MONEY With The Right and Best FD Promo - in this article I touched on Maybank "secret FD promo" where I first learned about it from  members who reported about it in previous FD thread, i.e. from MGM and bbgoat. I had to speak to different people at a Maybank branch to learn about the T&C and to top that, the T&C varies between branches.

So, the best place to find out about latest FD Promos is to come to this thread and read Post#1 and especially Post#2 by BoomChaCha and also visit my Fixed Deposit Page and then call or go to the branch to check them out.

For your info, the Maybank 3+3+3 (9 months) FD promo effective rate 4.15%, the conventional promo ended as quota reached; but as of yesterday, it was still being offered under Islamic Banking. And minimum fresh fund RM25K (previously MBB FD Promos require minimum fresh fund RM20K but recently they increase it to RM25K). And Maybank FD Promos are opened to companies and societies too.

Went to Maybank today
They offer promotion for 9 mths FD:-
1st 3 mths : 3.70%
Next 3 mths : 4.20%
Next 3 mths : 4.55%
Effective : 4.15%
Min : RM10k
T&C : Subject to OPR changes

had anyone claim the HLB gifts before?

How to enrol? Izit automatic enrollment program, as long as the money is inside?

And when it is due, then go where to claim?

Haha..

Thinking to get 2 ikea pillow

Each has to make the final decision based on other factors like preference, convenience etc etc. 

duhh, too many accounts already.

It's +0.0005 NOT +0.5%, for priority customer.

I think someone already mentioned the Mach promo, but you can also do it with ringgitplus to earn AA Bigpoint worth RM100 now 

https://ringgitplus.com/en/fixed-deposit/Ma...ed-Deposit.html

just read tnc..only first 150 pax

https://media.ringgitplus.com/creatives/728...83_campaign.pdf

Just 2 more days left guys!

Save at a fantastic rate of 4.0% p.a. for 9-months or 3.85% p.a. for 6-months.

Deposit a minimum of RM1,000 and we'll give you RM100 worth of AirAsia BIG Points.

Don't miss out on our Exclusive Mach Fixed Deposit offer!

Say, if let's say there's a fd which gives 4.5% for 3 months,  then if one wants to enjoy 4.5% for another 3 months, one just need to withdraw and put it in again. So by doing 4x, is it = to 12 months at 4.5% or lower??

Affin bank. 4.33% 15 months. Rm10k fresh funds. No stupid CASA. Just normal SA so that they can deposit interest + principal upon maturity.

Thanks for the suggestion, i m interest to put my fd in HSBC for the 5%PA interest

if i m going to have 4 FD account
FD A (mine) - 30k
FD B (mine + mother) - 30k
FD C (Wife) - 30k
FD D (mine + wife) - 30k

after 3 month, i should gain 120000x5%= 6000 am i correct?
Did some google but couldn't find the T&C for the FD promotion. So the promotion end on 30th june 2015? anyone have the link? TQ

hi all, i am interested on this promotion;

UOB FD with Ringgit Plus - New added by Kelv on 27 May 2015
"RinggitPlus is running an exclusive UOB Fixed Deposit with high 5-month 3.9% p.a. interest rate and exclusive gift. To get a Dyson Air Multiplier fan, all you need to prepare is RM35,000 deposit or RM10,000 to get yourself a brand new Huawei Media Tablet."

Not sure we will get the gift from UOB when making the deposit or the gift will be send by Rinngit Plus.. thanks in advance..