Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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 Dec 4 2015, 11:03 AM
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Senior Member
10,001 posts Joined: May 2013 
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QUOTE(Alexis~ @ Dec 4 2015, 11:00 AM) Yo thanks for the info. Yes as Bank will perform direct credit into yo CASAHow 'bout the withdrawal matter? Can proceed without bank book? .__. was early to work place so I can have it settled but forgot to bring the blardy bank book.   |
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Dec 4 2015, 11:05 AM
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All Stars
24,334 posts Joined: Feb 2011 
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QUOTE(Alexis~ @ Dec 4 2015, 11:00 AM) Yo thanks for the info. Got atm card? If don't have, maybe cannot.How 'bout the withdrawal matter? Can proceed without bank book? .__. was early to work place so I can have it settled but forgot to bring the blardy bank book. This post has been edited by Ramjade: Dec 4 2015, 11:06 AM |
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Dec 4 2015, 12:44 PM
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Senior Member
5,867 posts Joined: Feb 2006
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QUOTE(Alexis~ @ Dec 4 2015, 10:51 AM) Morning guys. What's your FD tenure previously ? Don't withdraw now and loose 2 months interest for nothing. Keep it at least 3 months till January then only withdraw and entitle to 50% of the 3.3% interest. Was about to go HLB to request them to transfer my FD in to my saving account and I forgot to bring my bank book. *smack head* Can I still proceed with only my IC and the FD cert? This FD matured on October so they're now giving the 3.3% rate since I didn't do anything for the past two months. Will it affect the total amount of money I will get back? You don't need to bring the SA passbook in order to credit the FD withdrawal. QUOTE(Ramjade @ Dec 4 2015, 10:56 AM) Your principal is still there. Your earlier promo rates is still there. Just you get lesser returns for 2 months. Don't give free money to banks is your motto but you did not advice Alexis not to give free money to HLB.  |
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Dec 4 2015, 01:57 PM
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Junior Member
160 posts Joined: Mar 2011
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Just apply Maybank GIA 4.5%. Hopefully no issue
 Anyone here applied too? |
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Dec 4 2015, 02:22 PM
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(Ramjade @ Dec 3 2015, 08:55 PM) Chinaman bank. Still so kiamsap. Other people already offering 4.6% for 15 months, they come out with 4.26% for 15 months. dude, HLB was the one of the best (if not the best) with 5% on its Junior FD about 5-6 years ago but I think you weren't born yet . Maybe they are cash rich now and doesnt need deposits . Just so you know   Btw folks, RM just texted me this morning MBB Gia no more. But someone still managed to place this morning? This post has been edited by michaelho: Dec 4 2015, 02:24 PM |
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Dec 4 2015, 02:31 PM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(Chili_90 @ Dec 4 2015, 01:57 PM) Just apply Maybank GIA 4.5%. Hopefully no issue Few of us here got it in Oct. Second mth interest tomorrow for me. Anyone here applied too?  This post has been edited by bbgoat: Dec 4 2015, 02:32 PM |
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Dec 4 2015, 03:13 PM
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Junior Member
40 posts Joined: Jan 2009
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QUOTE(BoomChaCha @ Dec 3 2015, 06:25 PM) Cool.. Are there any banks that do not need CASA for fixed deposit ? I just came back from Am Bank A bad news.. According to Am Bank, these 2 FD promo are no more available...  AM Bank does not have any new FD promo now.. So I think the best so far are: (1) Affin 15 months at 4.6% - valid until end of Dec (2) OCBC 12 months at 4.5% - valid until end of Dec (3) UOB 12 months at 4.4% - valid until end of Dec (4) RHB 15 months at 4.4% - valid until March 2016 (5) Public Bank 12 months at 4.3% - valid until end of Dec Received one SMS from BR yesterday: Istimewa 4.3% p.a. Akaun Deposit-i Berjangka, 12 bln. Berpeluang menangi hadiah menarik! BR is out at this moment.. This post has been edited by TANjb: Dec 4 2015, 03:14 PM |
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Dec 4 2015, 03:20 PM
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Junior Member
145 posts Joined: Dec 2013
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Guys, do you know for Public bank, if I am going to uplift my FD, do I need to go back to the branch that i placed my FD or any branch can uplift and withdraw?
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Dec 4 2015, 03:24 PM
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(Plutoman @ Dec 4 2015, 03:20 PM) Guys, do you know for Public bank, if I am going to uplift my FD, do I need to go back to the branch that i placed my FD or any branch can uplift and withdraw? Yes. Need to go back to branch. Happen to me before. But that was > 5 years ago. Things could have changed by now. |
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Dec 4 2015, 04:05 PM
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Junior Member
507 posts Joined: Jun 2015
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Since no one has reported on this yet, here are some FD promos: -
UOB 3 months - 4.15% p.a. Min 10k fresh fund PBB 4 months Step-Up - Effective 4.175% p.a. Min 10k fresh fund PBB Promo Link HSBC Premier Promos (For Premier customers only) i) 6 months Step-Up TD-I - Effective 4.45% Min 100k fresh fund Max 200k fresh fund ii) 3 months TD-I (Linked with Investment) - 8% Min 50k fresh fund (equal amount in investment products) HSBC Promo Link All promos end 31/12. |
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Dec 4 2015, 04:09 PM
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Junior Member
145 posts Joined: Dec 2013
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QUOTE(Ramjade @ Dec 4 2015, 03:24 PM) Yes. Need to go back to branch. Happen to me before. But that was > 5 years ago. Things could have changed by now. Thanks for the info |
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Dec 4 2015, 05:13 PM
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Senior Member
28,187 posts Joined: Mar 2007 From: Underworld 
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Janet yellen signal imminent raise of rate in december.
Hope opr gonna up sikit sikit to accomodate.. Jan FD promo might be interesting |
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Dec 4 2015, 05:23 PM
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Senior Member
2,490 posts Joined: Sep 2011
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QUOTE(Bonescythe @ Dec 4 2015, 05:13 PM) Janet yellen signal imminent raise of rate in december. The main issue is will Bank Negara follow US Federal Reserve to Hope opr gonna up sikit sikit to accomodate.. Jan FD promo might be interesting raise Malaysia OPR or not..??  So? Better to place FD in short term first? Like 3 months?.. This post has been edited by BoomChaCha: Dec 4 2015, 05:25 PM |
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Dec 4 2015, 05:31 PM
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Senior Member
2,490 posts Joined: Sep 2011
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QUOTE(TANjb @ Dec 4 2015, 03:13 PM) Are there any banks that do not need CASA for fixed deposit ? (1) Affin 15 months at 4.6% - valid until end of Dec --> I think no need(2) OCBC 12 months at 4.5% - valid until end of Dec --> No need (3) UOB 12 months at 4.4% - valid until end of Dec --> No need (4) RHB 15 months at 4.4% - valid until March 2016 --> I think need (5) Public Bank 12 months at 4.3% - valid until end of Dec --> I think no need |
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Dec 4 2015, 05:34 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(BoomChaCha @ Dec 4 2015, 05:31 PM) (1) Affin 15 months at 4.6% - valid until end of Dec --> I think no need PBB need(2) OCBC 12 months at 4.5% - valid until end of Dec --> No need (3) UOB 12 months at 4.4% - valid until end of Dec --> No need (4) RHB 15 months at 4.4% - valid until March 2016 --> I think need (5) Public Bank 12 months at 4.3% - valid until end of Dec --> I think no need |
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Dec 4 2015, 05:37 PM
Show posts by this member only | IPv6 | Post
#2376
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Senior Member
3,968 posts Joined: Nov 2007
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i believe opr sure naik sikit, thats why banks giving 4.5.. will wait till last minute to decide. if opr naik better to park the money in housing loan =/
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Dec 4 2015, 05:41 PM
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All Stars
24,334 posts Joined: Feb 2011
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QUOTE(BoomChaCha @ Dec 4 2015, 05:31 PM) (1) Affin 15 months at 4.6% - valid until end of Dec --> I think no need Affin bank usually requires casa for deposit interest l. So many times already. But maybe this time no need. Better check the brochure.(2) OCBC 12 months at 4.5% - valid until end of Dec --> No need (3) UOB 12 months at 4.4% - valid until end of Dec --> No need (4) RHB 15 months at 4.4% - valid until March 2016 --> I think need (5) Public Bank 12 months at 4.3% - valid until end of Dec --> I think no need |
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Dec 4 2015, 05:56 PM
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Junior Member
515 posts Joined: Jan 2003
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QUOTE(mamamia @ Dec 3 2015, 07:33 PM) Not sure anyone share this. Sorry about the misinformation yesterday.Went to Hong Leong Bank today. This promotion is still valid.  |
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Dec 4 2015, 06:06 PM
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Senior Member
6,614 posts Joined: Mar 2011
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The Affin 15 mth 4.6% FD that I placed, interest pay out on maturity. Principle and interest both credit to SA. That means require SA.
Did not enquire if there is other options on maturity.This post has been edited by bbgoat: Dec 4 2015, 06:10 PM |
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Dec 4 2015, 06:34 PM
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Senior Member
28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(BoomChaCha @ Dec 4 2015, 05:23 PM) The main issue is will Bank Negara follow US Federal Reserve to Yea..raise Malaysia OPR or not..?? So? Better to place FD in short term first? Like 3 months?.. In my opinion 3 to 6 mths also not too bad.. |
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