What it means is the promo is ONLY valid for 3 months/6 months/9 months/12 months placement. If you want to enjoy promo rates for 3 months, then apply for the 3 months. However after 3 months, your FD will revert back to board rartes if don't withdraw and put into another bank.  Same goes for 6/9/12 months. That is what this forum is here for. Showing the best rates for 3/6/9/12/15 months placement. So say you put for 3 months, after 3 months if you still need FD, you can refer to the forum for best rates. 

I don't think that there is a promo for 1 month. So if you are planning to go for 1 month, the best bank would be affin. Their board rates are the highest compare to the other banks in Malaysia.

But also have to depend on OPR. If OPR is cut, most likely promo rates will be cut. That's why I go for long term. At least won't be affected by OPR cuts. 

Not true. The only true one is HSBC 5% for 3 months. The rest are like 3.9%. Generally the longer you keep in the bank, the better the interest rates.

Affin 4.33% for 15 months if you want to PIDM protection. If not, and you are lazy to go withdraw every year, go with MBSB 4.7% for 5 years. That one have no PIDM protection.

BSN CM DEPOSIT-i dikeluarkan dalam bentuk sijil.
Pengambilan keuntungan akan ditentukan terlebih dahulu semasa deposit dilakukan.
Amaun Deposit Minimum: RM1,000.00 bagi tempoh 1 bulan atau RM500.00 bagi tempoh 3 bulan dan ke atas Tempoh Deposit : 1, 3, 6, 9, 12, 15, 18, 24, 36, 48 dan 60 bulan

Keperluan
»  Individu berumur 15 tahun ke atas.
»  Organisasi, Jabatan Kerajaan, Badan Berkanun,
    Sektor Swasta, Kelab, Persatuan dan lain-lain.

Ciri-ciri
»  Ianya adalah akaun Simpanan.
»  Deposit melalui cek atau tunai.
»  Deposit minima 1 bulan : RM1000.
»  Deposit minima 3 bulan dan ke atas : RM500.

Kadar Keuntungan
Kadar Keuntungan (berkuatkuasa 25 Julai 2014)
Tempoh Kadar Keuntungan
1 bulan 3.15%
3 bulan 3.15%
6 bulan 3.20%
9 bulan 3.25%
12 bulan 3.35%
15 bulan 3.45%
18 bulan 3.50%
24 bulan 3.45%
36 bulan 3.45%
48 bulan 3.55%
60 bulan 3.75%

HSBC only valid for new member. If you previosuly opened any account with them, you are not eligible. Min is RM5k and max Rm30k/person. One way around it is opening joint accounts to get 5% for 12 months.
For what you want to open BSN at 3.15%/month when affin gives you 3.25%/month?

»  Ianya adalah akaun Simpanan.
»  Deposit melalui cek atau tunai.
»  Deposit minima 1 bulan : RM1000.
»  Deposit minima 3 bulan dan ke atas : RM500.

Kadar Keuntungan
Kadar Keuntungan (berkuatkuasa 25 Julai 2014)
Tempoh Kadar Keuntungan
1 bulan 3.15%
3 bulan 3.15%
6 bulan 3.20%
9 bulan 3.25%
12 bulan 3.35%
15 bulan 3.45%
18 bulan 3.50%
24 bulan 3.45%
36 bulan 3.45%
48 bulan 3.55%
60 bulan 3.75%

Jumlah dan Tempoh Deposit

TEMPOH DEPOSIT MINIMUM
1 bulan RM5,000
2 bulan hingga 60 bulan RM500
Ciri-ciri Istimewa

Kadar keuntungan ditentukan semasa pembukaan Akaun Deposit-i Berjangka
Deposit melebihi RM5,000, keuntungan boleh dibayar secara bulanan
Pembaharuan secara automatik atas permintaan pelanggan
Sijil Deposit boleh digunakan sebagai cagaran pembiayaan lain yang patuh Syariah
Perlindungan Takaful
Kadar Keuntungan

TEMPOH DEPOSIT (BULAN) KADAR (%)
INDIVIDU
1 3.40
3 3.70
6 3.90
9 3.95
12 4.10
15 4.12
18 4.15
24 4.20
36 4.25
48 4.30
60 4.50
Nota: Berkuat kuasa 30 April 2015.

based one 1 mth 3.15.. so calculation of the profit (interest) is 10,000 x 1/12 x 3.15% = RM 26.25