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Fixed Deposit Rates In Malaysia V. No.9, Please Read Post#1 and #3
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mamamia
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 Oct 3 2015, 07:05 PM
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QUOTE(bbgoat @ Oct 3 2015, 05:49 PM) kl HQ n Bukit bintang branch also not in the list.. |
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Vincent9696
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Oct 3 2015, 10:18 PM
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QUOTE(bbgoat @ Oct 3 2015, 06:52 PM) For me no issue as already have SA with them. Debit card wise was told by RM that no charges.  Debit card wise? Mind to share details or info? This post has been edited by Vincent9696: Oct 3 2015, 10:19 PM |
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zero721
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Oct 3 2015, 10:50 PM
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Anyone tried CIMB 3 months 4% FD?
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wil-i-am
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Oct 3 2015, 11:25 PM
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QUOTE(zero721 @ Oct 3 2015, 10:50 PM) Anyone tried CIMB 3 months 4% FD? Me |
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jason83
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Oct 4 2015, 03:09 AM
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QUOTE(wil-i-am @ Oct 3 2015, 11:25 PM) I am thinking of getting this too, any feedback? pros cons? Thanks |
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sandkoh
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Oct 4 2015, 08:15 AM
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QUOTE(Vincent9696 @ Oct 3 2015, 10:18 PM) Debit card wise? Mind to share details or info? free debit card, what u want uncle goat to tell?  |
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wil-i-am
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Oct 4 2015, 08:56 AM
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QUOTE(jason83 @ Oct 4 2015, 03:09 AM) I am thinking of getting this too, any feedback? pros cons? Thanks Straight forward FD without tiers n no need to open CASA |
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bbgoat
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Oct 4 2015, 10:11 AM
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Wa, this HL Money Box account has to have activity for every 6 months.  Opened that account and no activity for 6 months and become dormant. Have to re-activate it luckily can be done online. This post has been edited by bbgoat: Oct 4 2015, 10:11 AM |
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SUSlowya
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Oct 4 2015, 10:24 AM
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QUOTE(cybpsych @ Oct 3 2015, 06:42 PM) best part is, hlb published 3 languages for the T&Cs, but not the promo page.  monthly interest crediting seems nice, but a bit mahfan to open another CASA for HLB  furtheremore, HLB doesnt have good high-interest CASA too. HLB 4.26% 15m with CASA (not sure how much) requirement means the effective 4.26% is not true. anyone wants to calculate the real effective rate incl casa requirement? |
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cybpsych
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Oct 4 2015, 10:27 AM
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QUOTE(lowya @ Oct 4 2015, 10:24 AM) HLB 4.26% 15m with CASA (not sure how much) requirement means the effective 4.26% is not true. anyone wants to calculate the real effective rate incl casa requirement? casa for interest creditiing la. but just treat the interest in casa as negligible lor, so the 4.26% is for FD only. |
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bbgoat
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Oct 4 2015, 10:28 AM
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QUOTE(lowya @ Oct 4 2015, 10:24 AM) HLB 4.26% 15m with CASA (not sure how much) requirement means the effective 4.26% is not true. anyone wants to calculate the real effective rate incl casa requirement? No need CASA placement, just open CASA for monthly interest deposit. |
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bbgoat
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Oct 4 2015, 10:30 AM
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QUOTE(cybpsych @ Oct 4 2015, 10:27 AM) casa for interest creditiing la. but just treat the interest in casa as negligible lor, so the 4.26% is for FD only. Your reply crossed mine.  The interest can be used for makan makan and if bigger amount go for another FD placement. |
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SUSlowya
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Oct 4 2015, 10:30 AM
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QUOTE(bbgoat @ Oct 4 2015, 10:28 AM) No need CASA placement, just open CASA for monthly interest deposit. thanks for the prompt clarification, thank you bbgoat. still waiting for other promo higher than 4.26% with pidm out there... |
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cybpsych
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Oct 4 2015, 10:31 AM
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QUOTE(bbgoat @ Oct 4 2015, 10:30 AM) Your reply crossed mine. The interest can be used for makan makan and if bigger amount go for another FD placement. yalor, good also geh  |
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bbgoat
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Oct 4 2015, 10:35 AM
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QUOTE(cybpsych @ Oct 4 2015, 10:31 AM) yalor, good also geh Wanted to mention go for CX, then kena lagi. |
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Ramjade
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Oct 4 2015, 11:42 AM
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QUOTE(bbgoat @ Oct 4 2015, 10:11 AM) Wa, this HL Money Box account has to have activity for every 6 months. Opened that account and no activity for 6 months and become dormant. Have to re-activate it luckily can be done online. Unker goat, Just use Ambank Truesavers 2.8%. Way higher compare to HL Moneybox of only 1.8% (1.8% if got >10k) No need minimum. No need need to keep deposit money inside. Free IBG some more.  Even unker boom also open ambank truesavers.  |
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bbgoat
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Oct 4 2015, 11:48 AM
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QUOTE(Ramjade @ Oct 4 2015, 11:42 AM) Unker goat, Just use Ambank Truesavers 2.8%. Way higher compare to HL Moneybox of only 1.8% (1.8% if got >10k) No need minimum. No need need to keep deposit money inside. Free IBG some more. Even unker boom also open ambank truesavers. Tun/unker, I opened Money Box just to get ready for their FD promo, not for the interest for the balance money inside there. This post has been edited by bbgoat: Oct 4 2015, 11:49 AM |
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wca
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Oct 4 2015, 12:36 PM
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Getting Started
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QUOTE(bbgoat @ Oct 4 2015, 10:11 AM) Wa, this HL Money Box account has to have activity for every 6 months. Opened that account and no activity for 6 months and become dormant. Have to re-activate it luckily can be done online. If HL credit interest monthly into the SA, consider "activity" isn't it? |
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cybpsych
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Oct 4 2015, 01:31 PM
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QUOTE(wca @ Oct 4 2015, 12:36 PM) If HL credit interest monthly into the SA, consider "activity" isn't it? diff bank may define 'activity' differently. I kena 2 times from pbb. casa went into dormant. but I know I got interests credited into it. to reactivate it, I must make withdrawal over-the-counter. |
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!@#$%^
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Oct 4 2015, 01:35 PM
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QUOTE(wca @ Oct 4 2015, 12:36 PM) If HL credit interest monthly into the SA, consider "activity" isn't it? activity from you |
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