Not too sure, but probably around 6 figures (the one I placed). You can always ask CIMB branch if they accept lower.

Some of the PB centre claimed that BNM do not allow gifts as such. But I ended up got gold plated plaque from UOB. Have shown it before.

The best one I got is from Citibank of imported Swiss watch.

Anyway most of the time the gifts are not very useful, like the chopstick and rice bowl from HL (which I also shown recently).

This post has been edited by bbgoat: Nov 2 2015, 10:44 PM

You can add as many as you like !

The most memorable one for me is the Swiss watch from CB. Next the gold plated plaque from UOB. CB also used to send gift for birthdays (tea packs, vouchers etc) but have stopped the practice years ago. Could be due to some directives from BNM also economic conditions.

This post has been edited by bbgoat: Nov 3 2015, 07:51 AM

Called OCBC PB line to enquire about their FD rate. My RM is away so have to call OCBC PB centre. They asked for my name to verify that I am a PB member before giving me the rate, instructions from above. Yesterday in UOB PB centre people just call in and the lady just gave them the promo rate without asking for PB membership confirmation ! Waste of their (OCBC) time and mine.

Anyway OCBC rate still as reported earlier 13 mth 4.2%, though their rival UOB has up'ed the game to 12 mth 4.25%.

Not to mention CIMB 4.3% to 4.35%.

This post has been edited by bbgoat: Nov 3 2015, 09:19 AM

OK, another FD musical chair today.

In HL to uplift FD. Per BC is RM0.70 for PB member (normal customer RM6). They thought I am coming back to place as fresh fund and said no need to do that. But I told them moving to CIMB for 4.35% vs HL 4.2%. But their current promotion is Islamic FD and for HL FD effective date is 2 days later. I kena that last year !

Went over to CIMB to place another 4.35% FD, already called RM to get approval before I went. So actually it has both conventional and Islamic. Since yesterday I placed for conventional today asked them to go for Islamic (for PIDM protection, hehe ).

Actually there is monthly interest for this FD. Yesterday did not know that. Later after some confusion on CIMB part, the conventional no monthly interest. If I want to cancel, will lose 2 days interest for the BC to clear. Anyway, stayput. So the Islamic one has monthly interest.

NO flyer for this one !!!

Officially CIMB only has 2 FD promotion:

1. Min 100k, 3 month FD, but monthly 3.7% annual interest (in case somebody ask monthy 3.7% ) but looks like it is monthly cycle 3 times, so 3 mth FD

2. For PB members only, 6 mth FD, 4% interest but 2 cycles of 3 mth, min 1k only !

So the 4.2, 4.3 or 4,35% one has to ask to get it !! No official flyer on it !!

Correction to my post yesterday, the unfixed FD can terminate on 1k portions, not 10k portions.

Thanks to @familyfirst and rich @poor man ( ) that I came to know about this. Initially was sceptical even when they showed the fd slip.

Attaching the CIMB FD slip which some may say not genuine, but it is just a portion of it hiding other details of the FD:

This post has been edited by bbgoat: Nov 3 2015, 02:18 PM


Attached thumbnail(s)

Thats why it benefits all to share the info. Like UOB now 4.25% vs OCBC 4.2% and CIMB 4.3/4.35%, this will put pressure on the banks to increase their rates.

My RM just told me this morning no flyer but now out in the open already !

This post has been edited by bbgoat: Nov 3 2015, 04:30 PM

From CIMB Website
http://www.cimbbank.com.my/en/personal/pre...ed-Deposit.html

3 months 4.10% p.a.
6 months 4.20% p.a.
12 months 4.30% p.a.
Eligibility and Requirements

Minimum fresh funds placement of RM10,000 required.
Open to individual and Enterprise Banking customers as stated in the Campaign Terms & Conditions (“Eligible ustomers”).
Offer is valid for 1 cycle only.
Interest earned must be credited into the Eligible Customer’s designated CIMB Bank Savings or Current account.
Upon maturity, the placement shall automatically renew to its respective tenure at the prevailing CIMB Bank board rate.
Eligible for PIDM protection.

The CIMB Klibor paid me 5.2% every 3 mths for close to 4 years.

Except now I hope they call it back !

But I have another 6 years to go ! If the situation changes (OPR), I may not get anything. So better for them to call it back !

This post has been edited by bbgoat: Nov 3 2015, 05:06 PM

OPR up good for my FD's but BAD for my Klibor.

Not sure of the lowering to 150k. I joined under my relative's recommendation.

There is also a member get member promo for CIMB PB ! Trolley bag !

This post has been edited by bbgoat: Nov 3 2015, 08:28 PM

Uncle, student or HNWS, whatever !

I think your thinking is too simplistic : Don't give free money to the banks !

Why humans are different ? A lot of individuality in us ! There are even people having FD's in CB which gives board rates and staying happily as their PB, uncles and aunties. Different reasons that people use a particular bank. Don't second guess if I will stay with HL if they offer me 4.35%. You are NOT me !

Some of the forummers have gave their opinions on this topic, learn from it !

You can shout about your slogan, but others may do differently !

This post has been edited by bbgoat: Nov 4 2015, 07:55 AM

I actually added 2 more sentences in my earlier post, you may have missed it:
Why humans are different ? A lot of individuality in us ! There are even people having FD's in CB which gives board rates and staying happily as their PB, uncles and aunties. Different reasons that people use a particular bank. Don't second guess if I will stay with HL if they offer me 4.35%. You are NOT me !

"maximize the interest earned from your fixed deposit?" sound more mature and more grown up !

This post has been edited by bbgoat: Nov 4 2015, 08:06 AM

Grow up ! Not everyone is like you !

Last month I have one FD in BR that matured. I let it renewed to their board rate. Anyway their board rate of 4.1% is already not bad for 1 yr. Petrol, time are factors to consider.

Though one bank may have the highest rate, still I would not put all eggs in one bank. I spread out my eggs at different tenure and diff banks. MBB GIA-i 4.5%, MBSB 18 mth 4.5%, AmBank 2 yrs 4.6%, 6 mth 4.25% with 20" trolley bag, 5 yrs 4.55%, HL 15 mth 4.26%, CIMB 12 mth 4.35%, CB 1 and 3 mths at board rate, I have them all. Of course also due to the facts that FD mature at diff dates but some of the above are in the same month.

Well, we are all human.

This post has been edited by bbgoat: Nov 4 2015, 09:13 AM

You placed your 4.3% last week even before 1st Nov ?

Thanks ! That will comes in handy !

UOB offered 4.1% for matured FD which my relative did not accept. Myself also pulled out the matured FD and went for CIMB 12 month 4.35%.

AmBank have 2 years 4.6% and 6 months 4.25% FD promo. No 12 months 4.5%.

I did not talk to my RM. My relative did. Current UOB 12 mth is 4.25%. By moving to CIMB for 4.35%, I already got extra of RMx00.