Special Thanks to the Gen-X

Original FD Thread
Fixed Deposit Rates in Malaysia v2
Fixed Deposit Rates in Malaysia v3
Fixed Deposit Rates in Malaysia v4
Fixed Deposit Rates in Malaysia v5
Fixed Deposit Rates in Malaysia v6.1
Fixed Deposit Rates in Malaysia v7
Fixed Deposit Rates in Malaysia v8
Fixed Deposit Rates in Malaysia v9

Notice / Disclaimer:-
Call & Visit the respective banks for confirmation & latest promotion.
We are not liable to any misinformation which might cause any financial or opportunity loss (which include FD rates & any others information).

Malaysia Major Commercial Banks and Foreign Banks Fixed Deposit / Time Deposit Rates as of 10 October 2015.

Bank	1 month	3 months	6 months	12 months	Remarks
Affin Bank	3.25%	3.3%	3.40%	3.7%
Alliance Bank	3.15%	3.2%	3.25%	3.3%	FD Gold 12 months 3.40% (Interest paid monthly)
AmBank	3.15	3.2%	3.25%	3.35%
Citibank	2.95%	3.10%	3.10%	3.20%
CIMB Bank	3.15%	3.2%	3.25%	3.30%
Hong Leong Bank	2.95%	3.00%	3.10%	3.30%
HSBC Bank	3.00%	3.10%	3.15%	3.30%
Maybank	3.15%	3.20%	3.25%	3.30%
OCBC Bank	2.90%	3.00%	3.05%	3.25%
RHB Bank	3.15%	3.20%	3.25%	3.45%
Public Bank	3.15%	3.20%	3.30%	3.35%	PB Golden 50 Plus 12 months 3.45%
Standard Chartered Bank	2.95%	3.10%	3.15%	3.25%
UOB Bank	3.05%	3.10%	3.10%	3.30%

Fixed / Time Deposit and Savings Account Promotions November 2015.
Please call the nearest bank to reconfirm the rates (go to the bank website for bank contact number where you can also get the contact number of the branch nearest to you) before going to the bank to check if promotions are still valid.

*
Affin Bank - Minimum Fresh Fund RM10K. Promo until end of December 2015. - Contributed by wil-i-am.

4-6 months - 4.00%p.a.
12 months - 4.20%p.a.

*
Affin Bank Year End Fixed Deposit Bonanza 2015 - Minimum Fresh Fund RM10K. Promo until end of December 2015. - Contributed by nbi

1 month - 4.05% pa
2 months - 4.10% pa
15 months - 4.60% pa



*
Alliance Bank - e-Alliance Term Deposit-i. Minimum Fresh Fund RM10K. Promo until 31 December 2015. - Contributed by wil-i-am.

6 months - 4.05%p.a.
9 months - 4.15%p.a.

Terms & Conditions



*
Alliance Bank - Fixed Deposit & e-Fixed Deposit Campaign. Minimum Fresh Fund RM25K. Promo until 31 March 2016. - Contributed by ??!!

6 months - 4.25%p.a.
9 months - 4.35%p.a.

Fixed Deposit Campaign T&C | e-Fixed Deposit Campaign T&C



*
CIMB Unfixed Deposit Special Interest Rates, Minimum Fresh Fund RM10K. Valid until 31 December 2015 - Contributed by poorman & cklimm

3 months - 4.10%p.a.
6 months - 4.20%p.a.
12 months - 4.30%p.a.

CIMB Page | Terms & Conditions



*
Hong Leong Bank Year End Fixed Deposit Promotion, Minimum Fresh Fund RM10K. Valid until 31 December 2015 - Contributed by cybpsych

1 month - 3.40%p.a.
3 months - 3.95%p.a.
12 months - 4.23%p.a.

*
Hong Leong Islamic Bank Term Deposit-i Promotion, Minimum Fresh Fund RM10K. Valid until 31 December 2015 - Contributed by cybpsych

6 months 4.05%p.a.
12 months 4.20%p.a.

*
Mach by Hong Leong FD. Minimum Fresh Fund RM10K. Valid until 31 December 2015. - Contributed by cklimm

1 month 3.40%p.a.
3 months 3.95%p.a.

Terms & Conditions



*
HSBC Advance Term Deposit-i - Minimum Fresh Fund RM5K, Maximum RM30K. Valid until 31 December 2015 - Contributed by cklimm

3 Months - 5% p.a.

Terms & Conditions



This post has been edited by Ah SiAnG: Dec 4 2015, 06:10 PM

*
MAYBANK - Minimum Fresh Fund RM10K. Valid until 15 January 2016.
- Not covered by PIDM and the capital is not guaranteed.

12 months - 4.5%p.a.

Campaign Fact Sheet | Terms & Conditions | Product Disclosure Sheet




*
MAYBANK - Minimum Fresh Fund RM25K. Valid until 31 December 2015.
-Contributed by cybpsych

1 month - 3.6%p.a.

*
MAYBANK - Minimum Fresh Fund RM10K. Valid until 31 December 2015.
-Contributed by wil-i-am

6 months - 4.17%p.a.

*
OCBC Bank - FD Promos. Minimum Fresh Fund RM10K. Valid until 31 December 2015. - Contributed by familyfirst

6 months - 4.3% p.a.
12 months - 4.5% p.a.

Terms & Conditions



*
PUBLIC BANK - PB Bonus Reward Campaign. Minimum Fresh Fund RM10K. Valid until 31 December 2015. Contributed by Nom-el

4 months - 4.175% p.a.

Terms & Conditions for customers who participate from 11 November 2015 onwards

Terms & Conditions for customers who participated prior to 11 November 2015



*
PB FD XTRA Campaign. Minimum Fresh Fund RM20K. Valid until 31 December 2015 - Contributed by starry & cybpsych

12 months - 4.3%p.a.

*
RHB Bank. Minimum Fresh Fund RM10K. - Contributed by Avangelice

3 Months - 4.2% p.a. - Valid until 31 January 2016
15 months - 4.4% p.a. - Valid until 31 March 2016



*
UOB BANK - FD Promos. Minimum Fresh Fund RM10K. Valid until 31 December 2015. Contributed by bbgoat.

3 months - 3.85% p.a.
5 months - 4.0% p.a.
8 months - 4.1% p.a.
12 months - 4.25% p.a.

Flyer

*
UOB BANK - FD Promos Contributed by cherroy.

6 months - 4.2% p.a.
12 months - 4.4% p.a.

*
UOB BANK - FD Promos.Minimum Fresh Fund RM10K. Valid until 31 December 2015. Contributed by Nom-el.

3 months - 4.15% p.a.

*
Bank Simpanan Nasional FD. Valid until 31 December 2015 - Contributed by cklimm

1 month - 3.2% p.a.
6 months - 3.3% p.a.
9 months - 3.5% p.a.
12 months - 4.0% p.a.



*
Bank Rakyat FD. Fresh Fund RM10k. Valid until 6 January 2016 - Contributed by cklimm

12 months for 4.15% p.a.

Terms & Conditions



*
Bank Muamalat Fixed Term Account-i (FTA-i) Short-Term Campaign : “Wang Besar!2 – Step Up” AND “Wang Besar!2 – 3o6” - Valid until 11 January 2016 - Contributed by cklimm

WB2-Step Up - 6 Months effective rate = 3.95%p.a.
Minimum Fresh Fund: RM1,000 up to RM4,999,999.99

1st 3 months Placement - 3.90%
Next 3 months Placement - 4.00%

WB2-3o6
Minimum Fresh Fund: RM5,000,000

3 months Placement - 3.95%
6 months Placement - 4.10%

Terms and Conditions | PIDM Register



*
MBSB - Minimum Fresh Fund RM1K. Valid until 31 December 2015.

18 months - 4.5%p.a.

*
Bank Rakyat Term Deposit Account-i - Minimum Fresh Fund RM20K. Valid until 31 December 2015. - Contributed by wil-i-am & bbgoat

12 months - 4.3%p.a.



This post has been edited by Ah SiAnG: Dec 5 2015, 01:05 PM

*
BANK RAKYAT - NOT Eligible for PIDM

If you are willing to go deposit with a non PIDM member, then check out Bank Rakyat Deposit Account -i which is based on Islamic Principles and like all Islamic banks' products, the profit rate cannot be guaranteed.



Thanks to all members who highlighted that deposit more than RM5K with BR is now eligible for monthly dividend. However, please note that many members here reported that their monthly dividends were not be credited monthly but they have to call up BR staff to have it done manually every month!!!
Special thanks to bbgoat for reporting the tenure to be eligible for monthly dividend:-



eFD or eTD.Contributed by Nom-el



Contributed by ikanbilis


Bank Rakyat introduces Xclusive membership card - New added by okuribito on 20 November



Banks that pay interest for non-working days
OCBC
Bank Rakyat
UOB
May Bank (Need to remind May bank staff to add interest)
Affin Bank - updated by cybpscyh on 12 Dec 2014
Alliance Bank
Kuwait Finance House

Banks that do not pay interest for non-working days(after FD maturity date eg Saturday, Sunday & Public Holidays)
Am Bank
RHB
Standard & Chartered Bank

Bank that non-voluntary credit interest unless appeal
Public Bank (Need to complain to BNM then only pay interest)

Charges for issuance of Banker's cheque - Contributed by bbgoat



New IBG Transfer Timing - Updated by gchowyh on 16 December 2014



List Of Banks With Survivorship Clause - Updated by magika on 16 November 2014
1. OCBC
2. RHB
3. Alliance
4. Ambank
5. Cimb
6. Hlb
7. Affin
8. MBB



A simple FD calculator to help you - by Human Nature on 13 January 2015
http://www.miniwebtool.com/fixed-deposit-calculator/

This post has been edited by Ah SiAnG: Nov 25 2015, 08:20 PM

at last a proper thread, do update regularly

This post has been edited by cklimm: Oct 5 2015, 08:36 PM

-Parking-

Parking too

Ah SiAnG, you forget to add cimb efd 3 months at 4%. Min rm10k. Don't know until when.

Alredy add la...

Wa, you guys are fast. Anyway today I did go into the MBB 12 mth 4.5% deal.

cool, and i just back from OCBC, claimed my Hugo Boss Pen for FD promo in july


the box


opening


warranty card and stuffs

guys, so now the best fd is MBB ?

Unker no scared meh? Capital and returns not guaranteed. Later no CD because of Maybank.

Capital and returns not guaranteed. Short term cimb efd at 4% for 3 months.

Maybank furnish cert or agrt for the placement?

For HL 15 mth 4.26%, the minimum was raised to 50k (from 10k). Got the news from the HL branch that I placed the FD.

Heard it is very popular so they raised the minimum deposit.

This post has been edited by bbgoat: Oct 5 2015, 10:23 PM

What are the TnC to get this pen? Any website link?

Tun scare meh ?

Tun still playing ASNB, not scare meh ?

ASNB risk will be higher than the MBB GIA-i. Ha ha ha. Then you will lose your student fees and have to work with the CD's.

This promo was held in July, its expired.
But there is a FD promo for luggage though
https://ringgitplus.com/en/fixed-deposit/OC...posit-Deal.html

bbgoat RHB got promo for 15 months @ 4.26%p.a.?
or you meant HLBB?

It is a new account. But can deposit the monthly interest into my Wadiah account. Yes a cert was given. No profit rate shown just profit ratio of 30/70 shown.

Those that are scare of this one, still can go into ASNB.

If MBB or its Islamic subsidiary can get into problem, what of other banks in M'sia. Ha ha ha !

Oh, boy, it is HL.

Updated at Post #2
Thanks

Today was in RHB (no wonder mentioned them ) to uplift FD. The BC costs me RM5.80 !

MBB allowed me to add in personal cheque with the BC for the 4.5% promo. Effective date today.

Thanks for the earlier correction (my error).

But as to raise to 50k, not sure it is the Penang branch that I am using. This HL promotion seems to be special as not all branches are having it. So just be aware of it but can always ask the branch that nears you, maybe they are still using 10k as minimum.

Thanks for the update. You collected it from the branch ? They called you I presume.

Then have to go and get mine also.

Did u check with the BM whether the response is gud or bad?

Ah SiAnG - fantastic job on Post#1, 2 and 3.

Er, unkle goat, didn't you know PNB just recently declare asnb "national intereet". I play only ASX FP.

If Unker scared, Unker can always play ASX FP, for one month. Put in 1 month before dividend declare (say date of supposed declare = 1/4/2016) Put in no later than 1/3/2016. In one month time dividend profit of 6.X%. After that just leave rm100 inside there. Withdraw the rest out.

This post has been edited by Ramjade: Oct 6 2015, 05:14 AM

Gen-X thanks Captain Gen-X, appreciate it

Am Bank FD Promo
(1) 2 months 3.7% - end Nov
(2) 5 months 4.0% - end Nov
(3) 12 months 4.2% - end Nov
(4) 5 years 4.55% with semi annual interest - end Oct

All min RM 10k

For (3) & (4), 50 years old and above can get monthly interest

This post has been edited by BoomChaCha: Oct 6 2015, 08:41 AM

Received 5.2% return (every 3 mths) from CIMB Callable Klibor.

So far so good.

unkle goat, did u hear a kiddo saying u no scare meh?

Haiyoo, Unker goat hnwi, that one little bit of money to him. Like drop in the ocean. So what to scared. Poor fag like me ya la scared.

Mine one already being recalled prematurely by the bank.

This is the disadvantage of invested into "callable" product.

5 years 4.55%p.a with pidm, gonna beat the crap outta BR and BSN

Nice

Noob here. How this work? Saw from the web min 65k and add up 5k in future?
Care to explain?

ya ya, the fag that makes lots of noise here an there. sometimes wrong info pula!

May i know what's the name of the FD?

This post has been edited by Clement1001: Oct 6 2015, 12:09 PM

some one calculated 4.2% yearly interest compounded to 5 years is 4.5% also, rite?

Tun, did you sense that I am scared ??

If you are a real student, which I doubt, you better go and do more study first. Ha ha ha. You have been spending too much time in forums !!

Actually I was hoping that they would recall mine also ! 10 years and now about 3 years passed only. The previous one with return of 5.6% (I think) was recalled after 1 year plus.

It is not an FD so I should not spent too much time in here on it. It was discussed few times here in previous versions. There is a risk as well that you may not get any interest (hearing someone saying, you no scare meh ).

This post has been edited by bbgoat: Oct 6 2015, 12:18 PM

Like I said, Unker not scared what. The amount is like a drop in the ocean for Unker goat.

Actually you are right. I spend too much time in LYN forum. Already said student. But up to Unker want to believe or not.

This post has been edited by Ramjade: Oct 6 2015, 12:27 PM

Lol. Investment always come with a risk.
I'm fine with it..tell me more lol.

5 years 4.55% + monthly interest means we can uplift anytime with very minimal loss on the interest (the most lose 1 month). This is better than SCB 4.5% promo!

If only 1 joint account holder is above 50 years old, still can get monthly interest?

This post has been edited by Human Nature: Oct 6 2015, 12:50 PM

Like that sure bank will deduct your principal.

Unless there is a term specifying so

Is the 5 years one for priority customer the rates?

Banks will not let you win. Sure got some way for them to cover their loss. Like that people remove after 1 year, sure rugi. FDs are liabilities to banks.

let me try to email CS for the T&C..will share here if they reply

Nope as it open to all

Yes

Last week Thursday when I placed for the AmBank 12 mth 4.2%, the 5 yr 4.55% was not announced yet. Last Dec to Jan 2015 I have already placed for their 3 years 4.5% FD.

Wonder if I should lock in for the 5 years one. So far do not have 5 yrs one.

This post has been edited by bbgoat: Oct 6 2015, 02:58 PM

kawan, rajin belajar lah! Nanti guru marah!

Wow , not bad...

I asked the mbb gia thing already. The assistant manager say capital guarantee LOL!

I did mention that one of the branch told me capital guaranteed by MBB. But another branch's manager told me it is not. Anyway it shows how diff branch sometimes interpret promotions differently.

They have a 4 or 5 page "internal use only" document and some MBB staff may interpret it differently. I showed one page 2 days ago.

This post has been edited by bbgoat: Oct 6 2015, 05:33 PM

nice. waiting them to call me

The principal r not guarantee
http://www.maybank2u.com.my/WebBank/giai300915_PDSterm.pdf

I have mentioned before that the capital and return is NOT guaranteed.

I think this is not the one (attached pdf) that is currently promoted, but similar in nature. MBB manager told me the current one is the highest return so far at 12 mth and effective rate of 4.5%.

This post has been edited by bbgoat: Oct 6 2015, 07:49 PM

what is meant by semi annual interest?

2 separate fd promo, similarly but not same?

hmm I heard mbb published heavily on newspaper too. same rate as published.

= interest every 6 months

This post has been edited by cybpsych: Oct 6 2015, 10:33 PM

The current one is 12 mth eff rate 4.5% (step-up).



This post has been edited by bbgoat: Oct 6 2015, 10:40 PM

Cimb eFD 3 months 4%, anyone have the full tnc?

Read tis
http://www.cimbclicks.com.my/form/T&C_eFD_...PA_Campaign.pdf

the one you attached also GIA and step-up wor. what are the differences leh?

Gia = step up 4.5%

Ai, no difference lah. MBB is currently promoting GIA-i step-up 12 mth 4.5% (diff from other FD product that are currently being promoted by MBB). No complication.

The one Wiliam attached I think is a similar GIA-i product but I think it is for illustration only, probably an older product.

This post has been edited by bbgoat: Oct 7 2015, 08:50 AM

orite gonna visit mbb soon

If you can take some risk slightly higher than FD (FD also have small risk especially if the capital is >250k in one single acct ), then I think it is a good deal. Also short term and can terminate any month within the 12 mth period.

This post has been edited by bbgoat: Oct 7 2015, 09:22 AM

Gonna park some money with CIMB, eFD hassle free too...

T&C below:
The Promotional Rate is applicable for one (1) cycle of 3 Month eFD placement only.

I assume this means i can only place one time irregardless of the amount... is my interpretation correct?

Yes

since it's from Maybank, i think still acceptable for the slightly higher risk.

the campaign target is RM3bil, may increase to RM5bil if the campaign is successful. they have RM3bil stake to achieve capital preservation and steady returns.

just a noobie view.

No,
placed few with cimb eFD and they give 4%.
i think what they meant is the next renewal will return to normal rate.

Can we set the instructions to auto credit to our account upon maturity?

U can call their customer service for clarification

The CIMB e-FD not necessary fresh fund. Can be taken from your own CIMB account to create the FD cert

But can auto credit to our account upon maturity?

since u always promote cimb efd @ 4% 3mth why not u try the page in cimb clicks?

the cimb wan a.. 3 month later can withdraw or need to put 1 year but only 1st 3 month is 4% there rest is 3.2%?

read the T&Cs.

4% is for 3-month tenure only. upon maturity, renew again to board rate, 3.2%