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

Deposit now for greater returns on your 3-month Fixed Deposit. This offer is applicable for fresh fund placements made over the counter at any Maybank and Maybank Islamic Branches in Malaysia.

3 months Step-up
1st and 2nd month @ 3.60% p.a.
3rd month @ 4.60% p.a.

Effective rate 3.93% p.a.

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.

Yes. Can Max RM60k/year

What is the best FD rate right now? AMbank? If I do not have any account with ambank can I do the online FD with them?

Ambank 4.55% for 5 years. Monthly interest will be given. for those above >50 years You can use in combination with ambank Truesavers 2.8% account to boost the effective interest rate that you received. At the end of 5 years, your effective interest rates will be more than 4.55%

now looking for best rate for 6mths (to spread the timing risk) hopefully can be as close as possible to 4.5% with pidm, any suggestion? best if interest paid monthly add into principal, no need casa, and pay interest on weekends/holiday.

you are the best, Ambank should hire you.

think i decided to go for half mbb 4.5% 12m no pidm, another half for ambank 4.55% 60m pidm +trusaver, and split to smallest fd notes for liquidity purpose.

Bye bye RHB and Affin.

Any tips on how to nego for higher rates?

If we already passed the banker's cheque to the teller, he/she would know that most likely we will make placement there so less chance to nego.

No RM.

Don't think mbsb will win cause previously one guy showed a 4.2% FD if compounded yearly can win against bsn 4.5%. Differences between them are 0.3%. Here mbsb 4.7% vs ambank 4.55%,  differences is only 0.15 and one gets interest compounded monthly if one >50 years old. So if 4.2% can win against 4.5%, I don't see why 4.55% cannot win against 4.7%. Best is calculate ourself manually using pen and paper.

maybank 4.5%pa

Every bank has different structured products with interest ranging from 7% upwards provided you must be high net worth individual. Otherwise investing in stable REIT is also a good option to FD.

ha I think you guys need to give Tun a break. Healthy competition generally will be good for us normal consumers. If the banks keep vying to give out the highest interest to us, it should be a win situation for us 

Oh yeah. They have. My mistake. I just check the news

Cimb is rm50k then you become preferred customer. There are few "levels" one can upgrade. But the general level is >RM250k to qualify.

Some depend on amount of loans with them, some depend on how much you spend on with their credit card.

Nope. No joke. That's cimb. Is like economy class of business class, then first class of business class and finally business class of the business class. kalau tak salah, cimb ada 3 level, preferred customre (yg paling bawa), priority customer and private customer

Fastest way to become hnwi with them is dump >RM250k into any bank, automatically you become vip customer. Tak perlu beli product mereka.  Dari beli product mereka dan kena charge tax for it lebih baik diy sendiri guna fsm.

Wah... joke of the century

HNWI is only >250k.. u are insulting many HNWI individual here.. lolz.

HNWI is those with 3m in net asset.. not 250k.

50k is only entitled for prime banking
250k is cimb preferred
3m is for private banking of HNWI.. unfortunately, cimb level for Private Banking is only Rm 1m and above.

Ini ramjade simply ram answer one.. lolz

There you go. That's the answer.
Really I thought hnwi is if one have minimum rm1m with the bank?

Ah SiAnG, sorry. Misinterpreted. Well I was closed.
Rm50k, RM250k.

Do you have the source of what you are saying?

so far i only heard of cimb prime(>RM50k), cimb preferred (>RM250K) and cimb private banking (Advisory Portfolio >RM3,000,000 & Discretionary Portfolio >RM5,000,000).

there are all priority customers.

and please, always check and verify the information you are posting and stop misleading others. be responsible of what you are posting.
this is not the first time you have misguided others and corrected by others.   

Well I was close for cimb. Rm50k, RM250k. Just got my names mixed up.