Hong Leong Bank Junior FD is supposed to be for kids. But the fact is that it is good for adults who are parents and even grandparents.

I went to OCBC last week, RM did not offer the 4.2% 12 months. Only available is 3 Months Islamic forgot how many %, 6 months 4%, and 13 Months...something %

I got Barbeque set and RM20 lucky dip on 7/1, Penang branch. Not sure if your location has all the lucky dip taken up.  But 2hrs is a long time, meaning a lot of people or their system hang ? 

In terms of efficiency, agreed with you that AmBank system is SLOW ! 

In view of the depreciating ringgit, any ideas to place foreign currency "FD" such as australian or chinese rmb?

Thanks for the heads up... will check with the foreign banks.. asked Maybank but they said have to provide justifications such as business or overseas study for opening foreign currency accounts..

just being called by UOB, their current FD promotion is:
3 months - 3.85%
12 months - 4.1%

I'm keeping some USD abroad 5yrs ago hv been earning 3.5%-8% FD interest. I think that time is 3.3 then going through roller coaster and now 3.6. Wondering shd I convert back to RM for local FD rate?

I wish we could place a FD over the counter at one branch and uplift it at any other branch nearby us.  So mah fan sometimes to go back to that branch esp if I placed it near work place and the following year, my work place sudah pindah lain tempat.

So need to IBG to CASA of another bank, then go to the bank to issue banker's cheque and finally go to the next bank for fresh fund FD. Got it 

Malaysia seen keeping policy rate unchanged on economic risks

Malaysia's central bank is expected to keep its key interest rate unchanged at 3.25 percent at a policy meeting on Wednesday, as the country's economy remains at risk from a slump in oil prices and a weakened currency, a Reuters poll showed.

Most economists now expect the central bank to stand pat for the rest of 2015, unless Malaysia's economy improves in the second half of the year.

Forecasts for Malaysia's Jan. 28 interest rate (Overnight Policy Rate) decision ESTIMATES         
Jan 28 OPR  (pct)    OPR End 2015  (pct)
                                       
Median                          3.25            3.25
High                            3.25            3.50
Low                              3.25            3.25
Nov 6 decision                  3.25             

BA Merrill Lynch                3.25              -
Barclays                        3.25          3.50 (Q4)
CIMB                            3.25            3.25
Credit Suisse                    3.25            3.25
DBS                              3.25              -
Forecast Pte                    3.25              -
Hong Leong                      3.25            3.25
HSBC                            3.25              -
ING                              3.25              -
Kenanga                          3.25            3.25
Maybank                          3.25            3.25
RAM                              3.25            3.25
RHB                              3.25            3.25
Standard Chartered              3.25          3.50 (Q4)

yeah just went maybank and ask about it
guess ill stick with uob 4.10

today 27th ... till this saturday? straight fd, no funnies?

Ya I was thinking if it is true, then the OCBC rate will be even better than SCB. Then changing my plan to put another one in SCB. 

The Captain has mentioned before that UOB and OCBC "fighting" for depositor. UOB also has 4.2% 12 mth 50k min. But SCB 4.5% 15 mth still the better one IMHO.  I changed my plan for AmBank 3 yr 4.5%. 

Personal loan surely have to repay by way of monthly instalment, thus in this case, the loan effective rate is 7.29% p.a.

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)

errr why you're quoting mine?

your updates can be standalone post, has nothing to do with Ambank's promo.

Bro, I just came back. To add to above, nowadays have to add another RM0.50 service fee for banker's cheque from any bank. Last time, I got MBB cheque, cost me RM5 plus RM0.50 service fee because the amount was debited from my Savings Account.

UOB used to charge me RM5.15 for a banker;'s cheque, now not sure how much.

Also went to Penang Paragon to open HL Mach account. Placed RM50 to open the money box and linked to my HL accounts. So, ready for any Mach FD promo. But heard that they open up second Mach branch in Penang Queensbay. 

This extra self contribution to EPF, when can it be withdrawn? Any time? Or must wait until retirement age?

Same to you too magika !

But not yet formally announced.