Dear sifus,

I interested on the Affin bank 24 month 4.38% FD promo. May I know when the interest will be credited into CASA? Is it half yearly or yearly?

I believe the terms 'subject to OPR" is referring to the promotional rate. Since the promotion period is long (until 31 Dec 2015), there might be changes of OPR in between. Lets say the OPR reduced by 0.25% on July 2015, those who place the deposit after the changes will get the effective rate of 4.08%.

But those who place the deposit before the OPR reduction will still get 4.33%. Correct me if I am wrong.

Erm...roll over promotional technique is called "Term Deposit". For example, Public Bank TD-I reward is subject to OPR. You only lock the rate for the first 4 months. If OPR reduces afterwards, the 1st roll over & 2nd roll over also reduces.

However, Affin Bank promotion is called fixed deposit. So, by the terms, I think its rate will be fixed once you place your deposit until matured.