Latest bank stat (Oct)) of loan growth of 9.1%, while deposit only grew 3.7%, may suggest elevated promotion FD rate may stay for sometimes.

The deposit growth pace is not enough to cater the loan given out pace.

I do not see any loan interest rate given out current is lower than 4.6%.

Those many personal loan or HP out there there that quoted below 4.6% is not an EIR.

Banks won't make a loss business one.
No way one can borrow from bank at a rate lower than FD, then deposit in FD and earn a money,

For current CIMB Unfixed FD I got 12 mth 4.35%. The Islamic one they paid monthly interest. Conventional one no monthly interest. So one has to specify during placing to go for the Islamic FD. The CIMB RM also did not know about this until I asked !

Can v specify FRIA-i Why Wait?

Good, thanks !

Looks like I missed out on the "Fixed Return Income Account-i (FRIA-i) – Why Wait" !! The CIMB RM did not explain this to me. 

Should have collected the profits at that time !   Last year MBB also has this profit paid upfront, I then used it to put in another FD ! The same can be done for this CIMB's promo. Well, it is over already. 

A little chit chat and making fun are no harm, just don't go overboard until become like Kopitiam talk.

So I urge everyone's corporation to make this thread a useful and informative thread to be read upon.

Ty.

so far, the profit i gotten for month #1 = 4.0% p.a, same as the table shown by mbb.

now waiting for month #2's profit.

first person here to know is bbgoat on 5th Dec

AmBank - I AmBanking on Great Rates - Minimum Fresh Fund RM10K. Valid until 30 November 2015.

6 Months - 4.25% p.a.
24 Months - 4.6% p.a.

Hi, anyone knows if the above promotion is still available? Any extension?

Just apply Maybank GIA 4.5%. Hopefully no issue

Anyone here applied too?

You need to deposit RM10 to open Advance Account. Then proceed to open FD.
But I just realised in my HSBC FD slip, it's stated
Start date 27 Nov 15
Maturity date 29 Feb 16
Term 3 months

Does that mean HSBC doesn't pay interest on non-working days? 

Thanks for your reply, ??!!. 

It is good for you, that you maintain the balance of your Affin saving account close to RM 1. 

My Affin saving account is called Basic Savings Account (Option 1). From Affin Basic Savings Account website, minimum balance (to be maintained) is RM 10.

If I perform fund transfer via Affin Online, I cannot reduce the balance of the saving account, below RM 10.  Too bad, near zero interest rate will always be given to that RM 10.

I wud opined BNM will maintain rate up to Q2/2016

i think bnm will raise opr on jan 2016 meeting.

Lets c who is correct