One of my FDs matured today so I went hunting for the "best" deal as usual. I was aware of the Ambank 4.1% 9 month, interest paid monthly, as well as the Public Bank FDXtra 6 months 4.05% + 6 months 4.3% step up promo, interest payable at the end of months 6 and 12.

Decided against the Public Bank offer because interest was paid once every 6 months, and the stupid fine print about adjusting the promotional interest rate should the OPR change. Was on the way to Ambank when I decided to drop by Hong Leong to see if they had any promos. Ended up placing a 12 month step up there, effective interest rate 4.1%, promo for their PB customers. Months 1-3 3.65%, months 4-6 3.85%, months 7-9 4.05% and months 10-12 4.85%. Promo ends 14 August, fresh funds only. Interest is credited monthly. I decided this was the best deal for me based on my requirements.

Managed to get a free gift of plastic water bottle and hot water tumbler set as well although I wasn't strictly a "new" customer I just hope they don't go bust haha, I've got all my money in this bank, for now...

As usual, don't waste your time with CIMB, in all my years as their Preferred customer, there has not been a single worthwhile promotion.

No la, satu ratus sahaja. Maybe I looked even more pitiful today, and they wanted me to feel a little better lo

Lock in high rates first, then if got opportunity just withdraw and take opportunity if it arises? Any tips on these opportunities? Landed property auctions?