Anyone signed up for this yet?

5 years 4.55% with semi annual interest - end Oct

hope to see some of the rational of signing up and review of experience..

I am guessing it will be deposited to your CASA. If they deposit into your principle, sure they rugi la. Banks don't do rugi business.

Here you go if you exit in 2 years.

Ai.. Uncle scared mah..
But recently uncle is very hard to fall in sleep after see these 2 sexy
leng lui. Now quite regret did not take the picture.. 
Yes.. will do it next time if got a change like this again..
By the way, when I withdrew my OCBC FD this afternoon, I noticed I got
a blinking "PB" status in OCBC computer. According to OCBC staff, my PB
status is forever shown in OCBC system even my AUM drops below RM 300K.

OCBC staff: Oh.. Mr Boom, why don't you go inside the PB room? Staff in PB room can
work faster for you.

Me: Hah..? You mean the Premier Room? I am not a premier customer anymore

OCBC staff: You see here (turned the monitor screen to me..), you have a PB status here..

Me: Oh.. you mean this blinking PB..? I thought my PB status has been terminated since I have only RM 20K FD in OCBC?

OCBC staff: No lah.. OCBC will not simply terminate PB status, you are a PB, Mr. Boom.

Me: Oh... I see

OCBC staff: So next time Mr. Boom can go to Premier Room? This will save your time.

Me: No need lah...I like here better

OCBC staff: Why leh..? You do not like the service in Premier room?

Me: Not really lah... This is because Premier Room gives me a lot of pressure wor..

OCBC staff: Ha ha.. understood

OCBC staff: Mr. Boom, your IC is quite old, your IC numbers look so blur lah ..Oh.. very hard to see, is your IC number starts with 51?

Me: Yes, it is. But I wish it started with 81..

OCBC staff:  Ha ha ha..(a very big laugh.... next counter staffs & customers also turned their heads to us..)  Mr . Boom, you like to make joke,  ..but unfortunately we cannot stop us to become old..

Me.. Ya lah..I know.. just a wish only mah, cannot meh..?? 

I have 6 separate >RM100k CIMB eFD getting 3.7% (monthly), one of it not even eFD just branch FD but auto renewed to promotional rate ... but somehow the 7th eFD is just normal rate (3.15%). Maybe there is an upper cap?

It is per account entity, not number of account.

check list of pidm banks:
http://www.pidm.gov.my/For-Public/About-De...ce/Member-Banks

yes sir! 2 mil!  

seem to be slightly lower thn last month??
the rate over the counter last month for cimb when i ask seem to be
1 mo 3.9%
3 mo 4.25%
6 mo 4.3%
12 mo 4.35%

Bro don't underestimate the Rm5. Rm5 can buy breakfast for 3 people or one meal of mixed rice. Like I said banks are within walking distance. So why choose 0.1% over 0.15%. If far away, forget it. Not worth.

cherroy
If like that then how those people working in the private sector place FD at promo rates? No time to come out unless you count lunch hour and most banks are close on weekends.

kochin
Actually you didn't get con. With eFD, you don't need to burn petrol and parking. So 4% for 3 months eFD is worth it.

i am not sure about the rate, I did walk in to a branch last month and asked for their rate. gave me lower than the rate mentioned, even lower than efd.
Mind you it is over 5 figure...

If the rate is right, I'll ban the branch, simply give rate without checking!

Complain to the branch manager, if no action threaten to complain to BNM. But you must be certain that you have proof that you are entitled to higher rates. Previous flyer/brochure stating the rates. If you got proof, banks usually able to correct it (you will get the actual promised rates upon maturity). Hope this helps.