Apologize for given mistaken info if any , suggest all handsome and pretty , go to their state main branch better...

Speaking from my own experience. I have FD all over the place. Easier for me to "pass the ball"  than cough up 20% of my FD value.

I am kiddo la. Not unkle.

Please la, if rich kiddo what is 20%? Easy money. sap sap sui. No need to play ball game.

where to get 4.7%? hidden clause?

- Double post -

Got offer from UOB after negotiate 4.25% p.a for 12 month.

why go for 3 months when u can go for 15 mths for less hassle and higher rates>?

Min 10k fund will do. 

What's the deal with receiving interest earlier then upon maturity? Unless your sum is very big.

Not dare. Just curious.

1) One must know whether there will be interest paid monthly or not when place FD with a bank. And how do we know? Half the time counter staff won't know all this kind of stuff.
2) If you are not a priority customer and your amount is small say rm10k, are you willing to drive to the bank to demand the payment? (you are not even sure if will succeed) - waste petrol and time. If got RM, different story. Just give a call.

CITIBANK, i never seen them come out with any pure FD promotion

hong leong bank fd promotion

12-month fd 4.20% effective
12-month fd + case account 4.23% effective
15-month fd step-up 4.26% effective (start 15/9/15)

CASA = current account or saving account.

Only bank with high interest rates giving monthly interest is Bank Rakyat. Your deposit must be >RM5k. No eFD gives monthly interest. Certain banks give half yearly interest if deposit >12 months.

Alliance bank also have monthly but their interest not as high as BR (according to first page)

Well, they do written that those are 2 different promos, its our own fault not to read into details

If I am not mistaken,  was based on post of LYN people. Not really sure but logical speaking, it can be done.

Confirmed that HLB has 12mths 4.2%. Just done the placement last week.

Tun Ram, since u have so many supporters, y dun u consider to take up the role?

Ya lo. Lots of stalkers with photographic memory.

BNM need to raise the rates substantially. Look at Russia. Last year they raise their interest rates so much but still no effect. If a big country such as Russia have no effect, what more malaysia.

Same thing will happen in malaysia. Malaysia's issue is not about interest. Is about "trust deficit".

Just uplifted my 1 year FD 4% @ SCB. And as expected, while doing so, RM came out to try to convince me to continue leaving my money with them. Was approached with a capital guaranteed bond, with a yearly interest of 4.7xx% and no lock in period. If place today or tomorrow, they will pro-rate by end of this year and transfer interest into existing CASA. And if redeem any time next year, will also pro-rate. Another bond was giving 4.6xx% ... Both with no sales charge or fees involved.

So, if I can't think of any other offer, I might opt for this tomorrow. This was at Bandar Puteri Puchong branch. I Rentas'ed transfer my money out any way. The RM says he will come see me in my office if I decide to take up that offer.

I can only see 4% FD but with a 1:1 in CASA. Didn't ask if there was any current FD promos. Maybe will ask when he calls tomorrow.

If I am not mistaken hlb, ambank and uob. You need to check last 10 pages.