The only one I know is ocbc 13 months 4.25%. Min 40k
https://forum.lowyat.net/index.php?showtopi...post&p=76354551

Affin have promo but not worth it when you count the effective rates.

When's the next meeting?

Like that bank sure rugi one. Bank don't do rugi business. Need to hold casa for 6 months

Those are board rates. That's why the sifus of lowyat forum hunt for promo rates. Why want to put at low board rates when you can put at higher promo rates? My principle is always maximise the bank to the max. If you are unable to maximise the bank to the max, look for another bank.

Banks are freaking rich. Why let them become richer when they can give you more?

The 2 drawbacks are :
1) need to hunt for promo (that's why we have this forum)
2) upon maturity, need to withdraw and hunt for promo rates again or else you will get freaking low board rates.

Hope you are clear now..

This post has been edited by Ramjade: Sep 21 2015, 09:09 AM

SCB only have 2 promo the last time if I am not mistaken. Not no more promo from them

The 3.7% can be done via eFD or OTC?

Ok thanks. Damn. Was thinking can put online. If can, was going for the 2 months one

This post has been edited by Ramjade: Sep 21 2015, 06:28 PM

Oh ya. Thanks for the info. Used to put FD for 1 year using rm10k fresh funds until forgot that this FD needs rm10k minimum.

This post has been edited by Ramjade: Sep 21 2015, 06:58 PM

I think public bank and maybank have step-up promo

I believe Tony is asking whether there are any step up FDs or not.

Just read last 4-5 pages. First page not updated so frequently. No point reading.

Someone need to take over 2nd page like what uncle boom did last time.

I active in ASX and usd/rm thread. FD once a while. Don't think so as have exams coming up

actually my exams are more or less every 3 weeks.

Guys, my internet is restricted to 3GB per month. If I update 2nd page, my 3GB will finish very fast as the first page contains lots of pictures

I am not in malaysia la.

Why cimb? Your loyalty should lies with the bank able to give you the best rates. Do not give banks more money then they need (go for board rates or lower FD rates). I don't know know about you, but my loyalty (I will put fd with) lies with banks able to give me the highest interest that is protected by pidm. I will not hesitate to change banks in the event their interest rates are lower than their competitor's.

This 1 month counter or can use efd? How much to put for minimum?

Awww. Was looking for efd.

If efd sure consider. If not efd, then no. They need to offer >=4.2%/year for me to take up their offer.