yeah pure FD and for PB


will update here if I manage to get it

Ah SiAnG - I updated my Fixed Deposit Page at my blog yesterday and just to share with all (what is not covered in your fantastic systematic easy to read Post#1&2):

1) A reader of mine message me at Facebook that Maybank is having 2 moths FD Promo - 1st Month 3.8% and 2nd Month 4% and minimum Fresh Fund over the counter RM25K. I called my Maybank RM to reconfirm and she further confirm that the promo valid until end of Nov 2015.

2) Affin back is willing to offer me 4.2% for 12 months for my soon to be maturing FD with them. Therefore I no need go waste time transferring the funds here and there. Those of you who are new to this thread or my blog, many people including myself have always advised those who want higher interest rates to go talk to the Branch/Service/Operation/Relationship Manager.

3) As for UOB, once again if you are new to this thread and my blog, UOB have this thing called "Retention FD rates" where they will offer you slightly lower interest rates compared to their current FD Promo. Therefore, also saves one the time to transfer money here and there. However, in order to be eligible for the "Retention Rates" - make sure you talk to your RM before the FD matures and not after and ask him/her to backdate. This ""Retention FD rates" is good for me as I can give my RM instructions to renew my maturing FD before I fly off.

4) My Maybank RM really good, no need Fresh Fund to enjoy Promo FD rates, she will allow me to "roll over" my maturing Promo FD on the spot into their latest FD Promo

This post has been edited by Gen-X: Nov 4 2015, 06:29 PM

2) Boss, why 4.2% 12 months in Affin when you can get 4.5% for 12 months in Ambank?

Sir, I don't have a single AmBank account and not even one of their credit card, hahaha.

Like I said, it a maturing FD and that one no need go transfer here and there. And FYI, Affin Bank is the safest bank in Malaysia because the major share holder is Lembaga Tabung Angkatan Tentera Malaysia and if anybody tires to con their money, it will be war, hahaha

Thanks for informing Captain Gen-X Have updated Post #1 & #2

Ambank do offer 4.5%p.a. for 12 months now?

Their website still mention 4.2%p.a. for 12 months

This post has been edited by Ah SiAnG: Nov 4 2015, 07:29 PM

Bro, Affin Bank 4.20% is by default or specifically for u ony?

Bro, default 3.7% lah, i.e. board rate since it is not fresh fund.

Mine's not 5 figure. Just a little bit more.

How to have proof? Btw, if I am a few months in, any possibilities of requesting for rates upgrade since promo gets better?

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%.

Bro, you better ask you relative to change RM, my brother got 4.2% for 12 months with UOB for his maturing FD last month

This post has been edited by Gen-X: Nov 4 2015, 08:27 PM

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.

Brochure pic. Eg brochure show 4.2% But they give you only 4.1%. By complaining in with proof, you can get eg 4.2% upon maturity. I suggest you to look back at v9. Might have pic there. Good luck.

First thing would be email your bank. Give them one week to reply. By one week, no response, langsung email bank negara.
You can try. No harm.
bnmtelelink@bnm.gov.my

This post has been edited by Ramjade: Nov 4 2015, 08:50 PM

I must have mistaken it for MBB 12months 4.5% then. Thought I saw it somewhere....pengsan la, too many promo

This post has been edited by michaelho: Nov 4 2015, 09:18 PM

MBB 12 mth 4.5%, but it is NOT FD, GIA-i acct. No guarantee on principal and return !!

I have some eggs there.

Tomorrow going to check the "profit".

This post has been edited by bbgoat: Nov 4 2015, 09:21 PM

you really fat goat hor... eggs everywhere...lol

Spread out my eggs everywhere and have to track them carefully !

BNM will hold the final OPR meeting on 5/11 for tis yr
Any prediction?

Anyone got the Note 5 deal from PB? Do they still have stock?

OK, checked MBB online. The "profit" is in, shown as "Credit FD Int". I calculated the amt given, it is 4%, as declared for first 6 mths. Calculated for 31 days for/over Oct month.

Maybe others can check theirs later.

Now looks like can put in more eggs there !

This post has been edited by bbgoat: Nov 5 2015, 08:24 AM

My prediction: Stay the same. But of course will celebrate if it GOES UP !