U may consider Maybank which offer 3.60%

if it is 3 months into fd and no interest given, going to 4.33% still a loss.

If more than 3 mths, u will get 50% of [assume RM10k * 4% * 33/48 mths]

why 33/48 months in your calculation???

tun said into 3 months, not sure if >3 months. if <3 months, no interest.

dun think he made a gain switching 12 month 3.7% to 15 month 4.33%. losing 3 month interest is not worth it. he should be able to do some calculation.

This post has been edited by yygo: Dec 5 2015, 07:36 PM

M refer to pre-mature withdrawal of FD at BR
As long as hold FD > 3 mths, u will get 50% of 'deem int'

which 1 month fd is the best? got more than >3.8%p.a. ?

Best one month efd is maybank Islamic efd at 3.25%. Don't expect so high. I heard that if you are vip member of cimb, can get 3.7% for their efd. But you better confirm with the bank. Don't take my word for it.

This post has been edited by Ramjade: Dec 5 2015, 09:06 PM

Affin can uplift online?

Nope.

Don't you only get half if you terminate?

I got some. But all that's history. Now waiting patiently for the balance of my FD to matured.

I think I will just give up now lol.

If you are ok with GIA, you can go for maybank GIA step up. 1st-6th month is 4%. So after 1 month, withdraw, you still get the 4% unlike traditional fd. If after a month you don't need the money can continue keep.

However, if $10-20k for 1 month, I prefer efd, not worth the effort & time to go counter. Maybank efd easy and convenient.

Who already receive the free gift (Car air purifier or 20" trolley bag) from OCBC FD placement before November? Anyone? Thanks

From Maybank website on information on GIA FD offering
GIA FD T&C
GIA FD Product Disclosure

Some questions to those who have this type of FD
Can this GIA FD be uplift via online?
If uplift early, say, after 1 month and 5 days into the tenure, will you still get 1 month and 5 days interest (or hibah) of 4% assuming that 4% is the given rate.

TIA

Yes, purifier

Not able to uplift online.
Only entitle for 4%pa pro-rated. 5 day is not count.

Can't uplift online but you can get 1 month and 5 days 4% full rate interest.
I uplifted mine 5 days after I opened the account . Got the 4% interest for 5 days.

This post has been edited by starry: Dec 6 2015, 02:11 PM

When u get the gift bro? I received the message from ocbc, now still waiting the call from branch.

Thanks for the information/confirmation