Wow this looks good ... especially when it says the eff rate is 4.09% for 6mths as stated in the English T&C which said it is based on the Premium savings acct (PSA).

The interest rates table for the PSA says 2.4% for 91-150 days. Unfortunately, i tried & tried calculating but just could not get any effective rate more than 4%.

Can someone else try to verify the 4.09% ?

Yah, beats me how HLB works out the effective interest rate. I guess what you can do is for the remaining last 2 months (for the 20%) just use their board rates and see what you get and I don't think you will get close to 4%

i was wondering which of the following option would be better for maybank's fixed deposit since im not sure how their calculation works

a) rm5000 for 1 month @ 3.15% with the interest credited to principal, auto renewal for 6 months

b) rm5000 for 6 months @ 3.25%

lets say i wont be using the funds anytime soon. i just wanted to know which of the two options would give more interest.

I just came back from SCB Bandar Puteri Puchong half hour ago. Placed an amount for 9 months 4.25% 

Can i ask a silly question, let said i put in FD not enough 6 months or 1 years then withdraw out, i only lose interest right and no lose on principal?

received called from UOB offered personal instant approved loan at 3.99% per year for only a year term. I was thinking of taking it up and place into SCB 4.5% FD.
I saw some one mentioned SCB offer end of Jan.But you mentionrd that you will call SCB this Friday on second placement. Does this mean SCB offer is not end Jan? tq

Wish BBgoat in advance prosperous goat year....goat + goat =Huat Ong Heng

You have to be careful on the 3.99% repayment, is it monthly installment or only 1 lump sum repayment at the end of 1 year, the former means higher effective interest rate.

I find PB or not has no difference one.

Nothing special, FD rate still the same.
Still need to Q, sometime the Q in PB counter (or in some bank they have a lounge) is longer (as may be too many PB customer or split it too many cert due to large amount hence take longer time for counter to process).
Many time resort using normal route instead PB one, faster.

I don't see anything special, in fact charges may be incurred if AUM fall below the threshold.
I rather to be normal customer, can switch all the fund if other have better promotion rate.

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.

Just wanna a question to our FD kakis/experts here. When you have some savings to put into FD, do you:
1) Straight away go to the bank to put FD or
2) Accumulate more then only put into FD

Option (1) will result in many trips to the bank while option (2) makes you lose interest while waiting but results in less trips to the bank. 

just *tried* to do it this morning. fresh fund is a pain. wrote cheque but must wait till cheque cleared only then can create the fd. "fresh funds" is any fund transferred within the last 7 days. no umbrella offer though - will call and follow up with the bank officer tomorrow

New to lowyat here. Has anybody have any experience with Affin Bank Fixed Deposit Plus where they peg your interest rate to KLIBOR (the rate bank lend to each other??)?

http://www.affinbank.com.my/Consumer-Banki...FFINFDPLUS.aspx

The current KLIBOR rate for 12 months is 3.93%

http://asianbondsonline.adb.org/malaysia/d..._interest_rates

Seems attractive to me since I want FD rate that is consistently higher without going through hassle of musical chairs between banks when there is competition for deposits or putting precious money in banks without PIDM.

The strange thing about this product is that there is a floor, the interest rate pegged to KLIBOR will not be lower than for Affin's conventional fixed deposit.

Unless there is a catch, you will always come out ahead of conventional fixed deposit (unless there is promotion rate).

My gut instinct tells me that there is no such thing as a free lunch and there must be some gotcha clause lurking in the background (like JAWS). 

Much appreciation to anybody who can enlighten me on this.

They have my bank statement, my main cashflow is through Maybank, not really sure why they still need me to pledge FD. I know other FD is >4% but my main goal is to get the cards and not to waste money in the process so to say.

How to register for I-Akaun to put in my valuable vote of        ??

RM0.00 Maybank Islamic:Convert to Mudarabah Investment Acc by 31/5 & get potential higher returns up to 4%,no lock-in period.Visit M2U/call 1800882028.T&C apply

There are few tabs from Huawei.. Anyone knows which model or likely to be based on the value?