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

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cybpsych
post Jan 1 2015, 08:31 AM

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HSBC Advance Account for 3 Months @ 5% p.a. now extended to 31 March 2015 (originally to end 18-Dec, then extended to 31-Dec)

https://www.hsbc.com.my/1/2/hsbcadvance/pre...ement-promotion
cybpsych
post Jan 2 2015, 04:04 PM

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QUOTE(faradie @ Jan 2 2015, 03:09 PM)
I have a 2 year fixed posit with a bank. I recently found out that they are not paying me any interest until maturity. Is this legal? I am thinking of withdrawing and suffering the penalty
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check back the original T&Cs for that particular FD campaign.

each FD campaign from different banks has different T&Cs on the interests.

I recently placed 2yr FD with Affin, also credit the interest upon maturity. I was fully aware of this condition when signing the placement.


Is it legal? since you've signed the FD placement, liability is on you, not the bank.
cybpsych
post Jan 3 2015, 09:55 PM

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QUOTE(HJebat @ Jan 3 2015, 09:38 PM)
Do you by any chance happen to know the SA rate?

Can't seem to find it from CIMB website...
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try this microsite http://www.cimbyouth.com.my/

accounts http://cb.cimbislamic.com/index.php?ch=ci_...pt=cimb_islamic

rates http://cb.cimbislamic.com/index.php?ch=gen..._rates&recId=90
cybpsych
post Jan 3 2015, 09:59 PM

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QUOTE(Bonescythe @ Jan 3 2015, 04:08 PM)
Hong leong offering 6.98% for 2 months FD..
Requirement is to invest 50k in unit trust

max cap ratio
1 to 2
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Hong Leong Bank Priority Banking Enhance PowerLink 6.98% Promotion

More info: HLB | T&Cs (EN) | T&Cs (CN)

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cybpsych
post Jan 5 2015, 05:25 PM

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QUOTE(elea88 @ Jan 5 2015, 05:20 PM)
I just put in ALLIANCE 4% for 1 yr.. .and interest credited monthly to savings pass book.
I hv some old FD due soon.. maybe will go for AFFIN 2 yrs.

At a blink of an eye all my HLB FD 5% from 5 yrs ago will be due early this year.. time Really flies....

any other better rates around?
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depends on your fund usage for the coming 2-3 years ahead.

if there's no immediate use of the fund. considering you did place at HLB 5yrs 5% rate, Ambank's 3yrs 4.5% or Affin 2yrs 4.38% would be your best choice.
cybpsych
post Jan 7 2015, 07:01 AM

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nothing new, just that HLB compiled all the deposit promos into a single catalogue for pa/ma/grandpa/grandma/son/daughter/kiddo laugh.gif

Festive Deposits Catalogue

More info: HLB | Deposits Catalogue (EN) | Deposits Catalogue (Chinese)

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cybpsych
post Jan 7 2015, 12:22 PM

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QUOTE(alexkos @ Jan 7 2015, 10:54 AM)
i am confused. i have money in pbb. I'm confused with the concept of fresh fund.

Please let me know the best fd package to take. I'm on 6-month >10k package.
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dont be lazy and expect us to spoonfeed. everyone has different preference to the banks. read post 2 for available FD packages, study the T&Cs.

cybpsych
post Jan 10 2015, 10:04 AM

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QUOTE(Gen-X @ Jan 9 2015, 11:44 PM)
Bro, UOB where got FD Cert? UOB, OCBC and if not mistaken RHB too are Statement Based where no certs are issued.
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captain, OCBC FD is statement-based but also issue cert as well.
cybpsych
post Jan 12 2015, 07:20 PM

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Hong Leong Bank Priority Banking Fixed Deposit Promotion
12 January 2015 - 8 February 2015

6-month @ 4.35% p.a. 80% FD : 20% CASA (earmark for 4-month, 120 days)

Min RM250k new funds @ RM200k FD : RM50k CASA

More info: HLB PB | T&Cs

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cybpsych
post Jan 15 2015, 06:50 AM

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Hong Leong Bank 6-month Premium FD Bundle CASA Promotion
12 January 2015 - 8 February 2015

6-month @ 4.35% p.a. , min. RM100k, 80% FD:20% CASA split

More info: HLB | T&Cs (EN) | T&Cs (BM)

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cybpsych
post Jan 20 2015, 08:20 PM

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Let's “EAT-lah” at 18 Locations with Food Trucks!
24 Jan 2015 - 13 Feb 2015

Fixed Deposit: 6-month @ 4% p.a., min. RM5k fund

More info: HLB | T&Cs (EN)

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cybpsych
post Jan 23 2015, 04:06 PM

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QUOTE(bluesky_1985 @ Jan 23 2015, 03:15 PM)
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?
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of course! laugh.gif

some FD/bank gives 50% interest rate, so do ask the bank for early withdrawal.
cybpsych
post Jan 29 2015, 08:34 PM

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QUOTE(KHOdin @ Jan 27 2015, 01:11 PM)
i just saw this from my atm receipt but i cant find any details from maybank website
anyone know about this ?

[attachmentid=4319383]
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QUOTE(cute_boboi @ Jan 27 2015, 05:08 PM)
Something like MBB CNY Promo FD until 31-Jan, 12 months tenure, it's split into:
1st 3 months 3.38%
3 months 3.58%
4 months 3.78%
11th month 5.28%
12th month 8.28%

With effective rate of 4.13%
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official from Maybank's website.

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FD "Angpow Special"
19 Jan 2015 - 18 Feb 2015

RM10k fund, 12-month, effective rate: 4.13% p.a.

Enjoy a popular campaign returns with FD "ANGPOW SPECIAL" from 19 January till 18 February 2015. What you have to do is just perform a minimum placement of RM10,000 per receipt for Retail/Individual customers or RM25,000 per receipt for SME/Business Banking, Sole Proprietor, Partnership, Club/Societies/Association.

Campaign Rates are as follows:

Tenure*Promotional RatesEffective RatePrevailing Board Rate
1st - 3rd month3.38% p.a.4.13% p.a.3.30% p.a.
4th - 6th month3.58% p.a.4.13% p.a.3.30% p.a.
7th - 10th month3.78% p.a.4.13% p.a.3.30% p.a.
11th month5.28% p.a.4.13% p.a.3.30% p.a.
12th month8.28% p.a.4.13% p.a.3.30% p.a.

More info: Maybank | Terms & Conditions

cybpsych
post Jan 30 2015, 12:42 PM

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QUOTE(tbheng @ Jan 28 2015, 01:52 AM)
Anyone still remember the RP's promo on Mach FD mid last month? I almost forgotten about it.
I received SMS yesterday ~3pm that says I won the RM200 Petronas Gift Card!  rclxm9.gif
My wife got it too. Double bonus.  thumbup.gif
I placed the minimum RM1k only just to take part on the promo.  tongue.gif
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QUOTE(eddie2020 @ Jan 30 2015, 11:49 AM)
Anyone won the ringgit plus rm 200 voucher? Not sure legit or not I get an sms told me I won ask me reply my address to receive courier
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as shared previously.
cybpsych
post Feb 1 2015, 07:36 PM

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AmBank's I AmBanking on winning gold!
2 February 2015 - 30 April 2015

FD/TD 8-months @ 4.08% p.a. (Individual RM20k/Non-Individual RM30k)
FD/TD 8-months @ 4.13% p.a. (AmSPB RM20k/SBB RM30k/WBB RM250k)

More info: AmBank

Terms and Conditions for Deposit for Gold Campaign (ENG | BM)

Terms and Conditions for Top Rate FDTD (ENG | BM)

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This post has been edited by cybpsych: Feb 1 2015, 07:40 PM
cybpsych
post Feb 3 2015, 09:04 AM

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QUOTE(gsc @ Feb 3 2015, 01:05 AM)
Ocbc
12 months 4.2% vald till 28 Feb
6 month 4%
13 months effective rate 4.15% pa
3 month Islamic 3.8%
*valid till 31 Mar 2015.

Above is from RM, my guess is except 12 months 4.2%, the rest valid till end March
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errr why you're quoting mine?

your updates can be standalone post, has nothing to do with Ambank's promo.
cybpsych
post Feb 17 2015, 07:47 PM

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slightly unrelated biggrin.gif

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Win A Dream Home Contest Winner List

Grand Prize Winner
No.PrizeCustomer NameNRIC
1Modern Terrace Home at Emerald, RawangGOH HUCK BOOXXXXXX-XX-5071
cybpsych
post Feb 18 2015, 09:11 PM

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who's the lucky soul from LYN?


Affin Bank's 1 Million Giveaway Winners!

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cybpsych
post Feb 22 2015, 08:04 PM

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OCBC revised their Discovery & Equaliser Treats again smile.gif
Valid from 13 February 2015 until 31 March 2015

Discovery Treat - 3-month @ 3.85% p.a. (previously 3.80% p.a.)

Equaliser Treat - First 12-month @ 4.00% p.a. (previously 3.90% p.a.), subsequent 1-month @ 6.00% p.a. The effective annual yield is 4.15% p.a. (previously 4.06% p.a.)

Updated T&Cs
cybpsych
post Feb 26 2015, 09:25 PM

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OCBC FD CNY 2015 Campaign | 24 X RM888 Ang Pow Contest
26 February 2015 until 18 March 2015

12-month @ 4.20% p.a. | 6-month @ 4.00% p.a. | 3-month @ 3.85% p.a.

More Info: OCBC | Terms & Conditions

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