My HLBB RM also came with empty hand telling new promo/update will be on 17th Jan & got bank open house that day

that was exactly what he needed

just opened HLB Junior FD 24 mths 4.28% for my daughter and son using existing fund. Their SA's interest is 3.05% (equivalent 1mth FD board rate)but max RM50k.

For RM100k & above got a Trolly Case per child on 1st come 1st serve basis but must b fresh fund.

RM100k for fresh fund Junior FD got Trolley Case

fund in Junior's SA interest is 3.05% p.a. but must not exceed RM50k

This post has been edited by kykit: Jan 8 2015, 04:02 PM

sifu already posted earlier. 4.18% for 15 months (casa 15%), 4.28% for 18 months (not 19 mths, casa 10%), 4.38% (no casa) for 24 months.

for 12 mths, MBB 4.12% vs PBB 4.18%. PBB is 0.06% higher but with TnC

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?

5-year USDMYR Chart - roller coaster that I went through


I can only start smiling when news broke in early Nov'14 (still 3.3) that USD index broken above its 30-year downtrend line and now appreciated by 9%.
I would rather worry MYR will be pegged again

is a least developed country no PIDM thingy there anyway amt not big

lowest 3.5% is our local bank (awarded Best Foreign Bank) & highest 8% is their local micro finance institution

I went HLB yesterday. The counter lady there said no

This post has been edited by kykit: Jan 23 2015, 11:54 PM

haiz... "The promotional rate is subject to any Overnight Policy Rate (“OPR”) change."

This post has been edited by kykit: Jan 30 2015, 07:53 AM

regardless whether EPF receive ur money on 1st or 31st, u will only earn 1 day dividend for that month. This was confirmed by EPF via email. I did work out in spreadsheet, diff only 2sen.

deleted

This post has been edited by kykit: Feb 7 2015, 11:04 PM

Ambank also has such FD bundle w UT where 3mths FD 11% or 6mths FD 7%, who dare

This post has been edited by kykit: Feb 11 2015, 08:52 AM

u r right. I did sign it when open a/c w HLB.

I also went for AmBank 3m 11% with UT. Sold UT after 3m, was lucky got annualise returns 5%. but this is 1st and last time. scared to death jor

Yes.

have placed SCB Saadiq (Islamic) 15 Months - 4.5%

- interest will be paid every 6 months
- open a RM20 Basic Savings Account-i (BSA) for interest to be credited
- BSA Hibah (interest) for upto RM100k - 0.02% (based on historically)
- ATM/Debit Card cost RM8
- ATM withdrawal from SCB - FOC
- ATM withdrawal from HSBC/OCBC/UOB - RM1.00
- ATM withdrawal from local bank (MEPS) - RM4.00 (FOC if convert BSA into salary a/c)

all fees are b4 GST

didn't ask source of fund but that CS lengzai try sell UT/insurance
also, FD cert only state 1.25% at the "for internal use only" box. reason that's additional rate on top of board rate, 4.5% not stated
I'll receive sms to confirm purchase of commodity (typical islamic FD procedure) and CS said not to reply yes or no. If I reply yes they will deliver that commodity product to my house as prove. LOL !

Maybe bcoz online is normally own fund not fresh fund

just chk, RM8 has not been deducted, CS gave wrong info. Thx for sharing