if pure fd, near to ur dream of 5.5% but i doubt so

yes, not so fast. some dreamer dreaming & dreaming

I took the picture quietly without flash light lah.. 
But I think the OCBC Leng Lui in the picture maybe suspect me to take
picture.. 

Actually there were 2 more OCBC Leng Lui but unfortunately
because of the angle problem, I was unable to take the picture,
next time will try again if got chance..

Oh... If OCBC find out I take picture in side the bank, will OCBC call police
to put me in custody..?

Dear all,

My mistake. I understand it wrongly. It has to go with their endowment plan (placement of 14K per year for 5 years, maturity of a total 12 years). Fort his, you will enjoy the 6 months FD @ 5.1%.

Again, thousand apologies for confusing you.

tai ko bones, u are saying 6% why change to 5%?

if cannot reach 6%, i will strip u bones clean!  
if u can consistently get 10% return in few days, u wud have been billionaires soon enugh.

why come here?

next year 5% may not be big surprise, 6% wud be BIG surprise, unkle bones!

laff with loudspeker, call unkle mata mata to give u free nasi curry.

dun bull la, unker!

anyway in 2016 6% not likely. lets see by dec 2016. mark my word, unker bones.

oic, thats why taikor bones dream for 6% next year?  

those rich unker like u hope for 6% fd next year. poor ones like me cry as loan >6%.

30 years housing loan, how to get rid? unkle? oh no unkle, no loan, rich young fax?

 

u no loan meh?  

1997, 98 10% rate, you <13 yrs old? talk wiith unkle @gsc. he knows better.

After reading the postings here, decided that HLB 4.5% was the FD to get since my SCB 15mth FD matured today. So hurriedly I uplift my SCB FD and proceed to HLB Bkt Tinggi, Klang branch which was near my office. The HLB branch there was quite busy with many people. My turn came and I proceeded to inform the counter girl that I want to place FD on the promotional 4.5% rate for 6 months. The counter girl ask if I have a saving account with the branch, I say no but I do have a a savings account with another branch. She says cannot, I have to open another account with the branch in order for me to place the FD. I need to take another que number to open the account. Got fedup, took my money and proceeded to Affin Bank. There I was greeted like an old friend, attended to immediately by a middle age lady (no leng lui here...sigh) and she proceed to explain to me on the promotional rate of 4.6% where by 20% of it need to be placed in either a 1 month (4.05%), 2 months (4.10%) or 3 months (4.3%) FD while the balance 80% will enjoy the 4.6% pa interest. She advised me to take up the 3 months FD @ 4.3%. After making some rough calculations, the first 3 months interest came out more that than the HLB 4.5% FD (3 months period). After that, I can take the 20% and find other FD to put (hopefully can find a better rate) while the balance 80% can enjoy the 4.6% interest.
I find that the customer service experience at Affin bank so much more better, we are really being treated as customers instead of being treated like livestocks at HLB.

Your were lucky to have your placement without fuss at HLB.

But to me, it might be blessing in disguise as maybe after 3 months, when my 20% placement matures, there might be better FD rates for me to take advantage of.
But I have to take my hat off to the Affin Bank service. Even if it is a FD, savings or current account, it is done be the same officer who is serving you. There is no need to queue for individual type of account. But then again, there isn't much of traffic volume in the bank, hence they can afford to do it this way.

That's HLB is like that. Wait damn long.

Glad you like affin bank. Told you guys is like vip service without the need to have any "priority status" with them.

They dont want to open FD for you using your existing saving account because that saving account is registered under other branch, if they proceed to open for you, the FD placement will be registered under the branch from your saving account, not under their branch. So they dont want to waste their time and energy for you.

I encountered the same with public bank. I placed once before at different branch and on the FD slip, its stated that the placement is made under my saving acc's branch, not where the branch i placed. Go back again to place some more after that, they dont let anymore.

Just a little info on HLB. You can only uplift the money from the  branch you place your FD. Kena once before. Place a fd in KL. Upon maturity, told me cannot remove from Klang. Need to go back original branch

Nope. Ambank is still my go to bank for SA (no banks giving >2.8% interest for SA yet without complicated terms. Still waiting.)

Affin was my favourite depositing place for FDs. Just left a few more cert with them. Should be able to move everything out by year end next year. Totally no certs with HLB at all due to their past pathetic rates.

I might be wrong with HLB, but this is how it works for public bank based on my experience.