Few banks offering that like BR, AmBank, HL Bank Islamic etc doing that. But some have certain conditions, please check or call them first.

Hoping and waiting for OPR to go up is just a "hope". We can wait but still need to put available money at those FD rates which are reasonably high at the moment.

This post has been edited by bbgoat: Feb 9 2015, 03:49 PM

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.

In a way I am glad that I put in some funds to AmBank's 3 years 4.5% FD. Though did have some funds to SCB 15 mth 4.5% as well.

CIMB "unfixed deposit"
3 months 4.0 pa%, 12 months 4.2 pa%!
allows partial removal in multiple RM1000

http://www.cimbbank.com.my/en/personal/pre...t-campaign.html

This post has been edited by cklimm: Feb 9 2015, 04:32 PM


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Doesn't seem to have fresh fund requirement.

Abit confusing though. If I make a placement and then uplift on maturity date, disregarding the flexibility feature, can I still enjoy the 4.20 pa rate?

if u uplift at maturity date, of course u have the 4.2% rate

There is fresh funds requirement. Individual - min 10k; Business - 30k

Some of my angpao haul this week. RHB Normal angpao can rival MBB Premier Wealth's. Anyone who has any other , pls post so that if it is not nice, don't have to go and get ...lol


Affin Bank - dont bother, not nice
Ambank - RM said will pass to me later
PBB - same old boring stuff every year

The winner at point of posting : RHB !!! Anyone who has their Premier Banking ones, please post


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Deutsche Bank
2013 design at top, 2014 design at bottom

Lol, this Ang Pao packet look weird..but, in Malaysia can get meh?

should be available in Malaysia.

I donno how 2015 one look like

Chigme do u have 2015 Deutsche Bank angpao packet

This post has been edited by nexona88: Feb 9 2015, 10:38 PM

I have went through the experience of premature FD withdrawal from BR.

1. Calculate the period (in month) you have deposited your FD with BR

2. Refer to the nearest period of deposit (in month) from the profit rate table

3. Your length of time in #1 is the eligible tenure to be allotted pofit rate

As to whether it is advisable for early withdrawal & put into higher FD promo...that is solely your call

Can do it online to get this rates? Thank you in advance.

No.

for information : AFFIN 4.38% 24 months FD promo.

Please note, if JOINT AC.. need to pay another RM10.00 for stamp duty.

Also need sign a stack of forms saying NON US CITIZEN.
(i hv no idea why??)

together with FD compulsory to either open :
1 PASSBOOK - RM 100 minimum
or NON PASSBOOK - RM 20.00 minimum come with online banking, FREE ATM.

PIDM plans rating prediction model, revised premium system for banks
http://www.thestar.com.my/Business/Busines...anks/?style=biz

Non US citizen is for US anti laundering rules. Why need to sign ?

Insist on opening Basic Saving Account, passbookless with ATM card. No fees.

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.

that's explain the need to sign NON US CITIZEN form thingy which 1st time I'm hearing

Ha ha ha, I am the one that reported "run out of FD account number". It is UOB Bank. The reason is as I mentioned before the ridiculous system of UOB, the so called "new" system that they came up with. The next day, the FD acct was ready. So not related to what was mentioned ! Also it is for a new joint acct that I tried to open with my partner in crime. I already have acct with UOB. It is surprising how some of the info could have been thought of that way.

Also I think SCB asked us to sign form that said we do not hold US "green card" as well.

This post has been edited by bbgoat: Feb 10 2015, 08:44 PM